Credit union · NCUA insured
Hughes Federal Credit Union Savings Rates
Hughes Federal Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Hughes Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Tucson, AZ, where Hughes Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hughes Federal Credit Union
1.01%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $101
Money Market Savings
Top rate
Vantage West Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Hughes Federal Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.01%
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 Hughes 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.
Money Market Savings
1.01%APY
Savings dividends are compounded daily and credited quarterly. Rates and terms are variable and subject to change at any time after the account is opened. Fees may reduce earnings.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $1,000 – $75,000Minimum balance required to open an account and earn the posted APY. · $1,000 to open | 1.01% | $1,000 | $101 | Minimum balance required to open an account and earn the posted APY. |
| $75,000 – $150,000Minimum balance required to open an account and earn the posted APY. · Unknown to open | 1.26% | Unknown | — | Minimum balance required to open an account and earn the posted APY. |
| $150,000 – $250,000Minimum balance required to open an account and earn the posted APY. · Unknown to open | 1.51% | Unknown | — | Minimum balance required to open an account and earn the posted APY. |
| $250,000 and upMinimum balance required to open an account and earn the posted APY. · Unknown to open | 1.77% | Unknown | — | Minimum balance required to open an account and earn the posted APY. |
Sources (2)
All captured Oct 15, 2026
Daily Savings
0.05%APY
Designed for members who want regular ATM/POS access and overdraft protection for checking accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends are compounded daily and credited quarterly.Over $0 | 0.05% | $5 | Dividends are compounded daily and credited quarterly. |
Sources (3)
- hughesfcu.org/financial-guide/rates-and-fees
- hughesfcu.org/products/detail/daily-savings-account
- hughesfcu.org/banking/savings-accounts
All captured Oct 22, 2026
Main Share Savings
0.05%APY
Establishes membership at Hughes Federal Credit Union. Requires a $5 minimum initial deposit and a daily minimum balance of $5 to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are compounded daily and credited quarterly.$5 and up | 0.05% | $5 | Dividends are compounded daily and credited quarterly. |
Sources (3)
- hughesfcu.org/financial-guide/rates-and-fees
- hughesfcu.org/products/detail/main-share-account
- hughesfcu.org/banking/savings-accounts
All captured Oct 22, 2026
You Name It Savings
0.05%APY
Customizable goal-based savings accounts with no service charges, withdrawal fees, or restrictions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends are compounded daily and credited quarterly.Over $0 | 0.05% | $5 | Dividends are compounded daily and credited quarterly. |
Sources (3)
- hughesfcu.org/financial-guide/rates-and-fees
- hughesfcu.org/banking/savings-accounts
- hughesfcu.org/products/detail/you-name-it-savings
All captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
2.02%APY
Available under Traditional, Roth, and SEP IRA structures with identical minimum balance and dividend rate terms.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAvailable as Traditional, Roth, or SEP IRA. Dividends are compounded daily and credited quarterly. Government penalties may apply for early withdrawal.$100 and up | 2.02% | $202 | Available as Traditional, Roth, or SEP IRA. Dividends are compounded daily and credited quarterly. Government penalties may apply for early withdrawal. |
Holiday Club Savings
0.05%APY
Funds are automatically transferred to checking or savings on October 1. Any withdrawal results in account closure until the next cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds automatically transfer on October 1. Dividends are compounded daily and credited quarterly.Any balance | 0.05% | $5 | Funds automatically transfer on October 1. Dividends are compounded daily and credited quarterly. |
Sources (3)
- hughesfcu.org/financial-guide/rates-and-fees
- hughesfcu.org/products/detail/holiday-club-savings
- hughesfcu.org/banking/savings-accounts
All captured Oct 22, 2026
Who can join Hughes Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.