Credit union · NCUA insured
Highmark Federal Credit Union Savings Rates
Highmark Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Primary & Special Shares. Rates checked October 22, 2026.
How Highmark Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Rapid City, SD, where Highmark Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Highmark Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Kasasa Saver
2nd-highest rate
Aspen Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
3rd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Highmark Federal Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0002.99%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Highmark Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Kasasa Saver
Up to 3.00%APY
Must have a Kasasa Cash or Kasasa Cash Back account to open. Earned checking rewards are automatically transferred into the Kasasa Saver. Base rate applies if qualifications are not met. Qualifications per cycle: at least 12 debit card purchases, at least 1 direct deposit/ACH credit/ACH payment transaction, and enrolled in e-statements. Qualifying period is last day of a month through second-to-last day of the following month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000If monthly qualifications are met on linked Kasasa Cash or Kasasa Cash Back account. Compounded and paid monthly based on daily average balance. | 3.00% | $300 | If monthly qualifications are met on linked Kasasa Cash or Kasasa Cash Back account. Compounded and paid monthly based on daily average balance. |
| Over $0Base rate on all balances if monthly qualifications are not met. | 0.05% | $5 | Base rate on all balances if monthly qualifications are not met. |
| $100,000 and upOn balances over $100,000 if monthly qualifications are met. Compounded and paid monthly based on daily average balance. | 0.25% | — | On balances over $100,000 if monthly qualifications are met. Compounded and paid monthly based on daily average balance. |
Sources (3)
- highmarkfcu.com/personal/save/kasasa-saver
- highmarkfcu.com/personal/save/personal-savings
- highmarkfcu.com/personal/save/rates
All captured Oct 4, 2026
Smart Choice Money Market
0.75%APY
Minimum $25 required to open. Rates are tiered.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance tier: $25 - $2,500 | 2.99% | — | Balance tier: $25 - $2,500 |
| $2,500 – $25,000Balance tier: $2,500.01 - $25,000 | 0.75% | $75 | Balance tier: $2,500.01 - $25,000 |
| $25,000 – $50,000Balance tier: $25,000.01 - $50,000 | 0.25% | — | Balance tier: $25,000.01 - $50,000 |
| $50,000 – $100,000Balance tier: $50,000.01 - $100,000 | 0.20% | — | Balance tier: $50,000.01 - $100,000 |
| Over $100,000Balance tier: $100,000.01 or more | 0.15% | — | Balance tier: $100,000.01 or more |
Sources (1)
- highmarkfcu.com/personal/save/money-market-savings · captured Sep 19, 2026
Performance Account
Up to 2.50%APY
$25,000 minimum balance to open. Rates are tiered.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $100,000Balance tier: $25,000.01 - $100,000 | 1.00% | — | Balance tier: $25,000.01 - $100,000 |
| $100,000 – $250,000Balance tier: $100,000.01 - $250,000 | 1.50% | — | Balance tier: $100,000.01 - $250,000 |
| Over $250,000Balance tier: $250,000.01 or more | 2.50% | — | Balance tier: $250,000.01 or more |
Sources (1)
- highmarkfcu.com/personal/save/money-market-savings · captured Sep 19, 2026
Primary & Special Shares
0.05%APY
Establishes membership with Highmark Credit Union. Automatic deposit available via Direct Deposit or Payroll Deduction.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Money Mammals Kids Club
1.00%APY
Designed for children ages 0-12. A parent or legal guardian must be a joint owner on the account (does not need to be a member of Highmark). Minimum balance to earn dividends is $25.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 1.00% | $100 |
Sources (4)
- highmarkfcu.com
- highmarkfcu.com/personal/save/youth
- highmarkfcu.com/personal/save/personal-savings
- highmarkfcu.com/personal/save/rates
All captured Oct 4, 2026
Teen Club Account
1.00%APY
Designed for teens ages 13-19. For teens under 18, a parent or legal guardian must be a joint account holder (does not need to be a member of Highmark). Minimum balance to earn dividends is $25.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 1.00% | $100 |
Sources (4)
- highmarkfcu.com
- highmarkfcu.com/personal/teen-club-account
- highmarkfcu.com/personal/save/personal-savings
- highmarkfcu.com/personal/save/rates
All captured Oct 4, 2026
Christmas/Vacation Clubs
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.50% | $50 |
Sources (1)
- highmarkfcu.com/personal/save/rates · captured Oct 4, 2026
IRA Share Account
0.35%APY
Offered as Traditional, Roth, and Educational (Coverdell Education Savings Accounts) IRAs in the form of Share Accounts. Can assist with IRA rollover or transfer from another institution.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.35% | $35 |
Sources (2)
All captured Oct 4, 2026
Who can join Highmark Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work, worship, or attend school in Butte, Custer, Fall River, Harding, Lawrence, Meade, or Pennington County, South Dakota, or Campbell, Crook, Niobrara, or Weston County, Wyoming.
Family and household
- Membership is open to anyone who has an immediate family member that is a member of Highmark Credit Union.
Membership information collected October 4, 2026.