Credit union · NCUA insured
Inspire Federal Credit Union Savings Rates
Inspire Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Inspire Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Inspire Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Inspire Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $150
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
Inspire Federal Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0003.10%
- QualifiedQualified1.50%
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 Inspire 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
1.50%APY
Rates are variable. Once a particular balance range is met, the dividend rate and APY for that range will apply to the full balance of the account. Up to six (6) transfers and withdrawals per month without a fee; exceeding six may be subject to a fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Balances of $0-$4,999.99 earn 0.00% APY. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated. | 0.00% | — | Balances of $0-$4,999.99 earn 0.00% APY. If the minimum average daily balance requirement is not met, you will not earn the annual percentage yield stated. |
| $5,000 – $50,000 | 1.50% | $150 | |
| $50,000 and up | 3.10% | — |
Premium Purple Savings
0.10%APY
Requires a minimum opening deposit of $5,000 in new money (funds not already on deposit at Inspire FCU). $15 maintenance/minimum balance fee applies if average daily balance falls below $5,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $50,000Minimum deposit of $5,000 in new money to open. $15 maintenance/minimum balance fee if average daily balance falls below $5,000. | 0.10% | $10 | Minimum deposit of $5,000 in new money to open. $15 maintenance/minimum balance fee if average daily balance falls below $5,000. |
| $50,000 – $200,000Minimum deposit of $5,000 in new money to open. $15 maintenance/minimum balance fee if average daily balance falls below $5,000. | 1.25% | — | Minimum deposit of $5,000 in new money to open. $15 maintenance/minimum balance fee if average daily balance falls below $5,000. |
| $200,000 and upMinimum deposit of $5,000 in new money to open. $15 maintenance/minimum balance fee if average daily balance falls below $5,000. | 1.50% | — | Minimum deposit of $5,000 in new money to open. $15 maintenance/minimum balance fee if average daily balance falls below $5,000. |
Sources (2)
All captured Oct 6, 2026
Round Up Savings
0.10%APY
Paired with an Everyday Checking account. Debit card purchases are rounded up to the next whole dollar amount and excess is transferred to Round Up Savings. $100 minimum balance. 100% match on round up amounts for the first 90 days of opening a new Everyday Checking account (one-time feature; existing or converted accounts are not eligible).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires pairing with Everyday Checking and $100 minimum balance. 100% match on round up amounts for the first 90 days of opening a new Everyday Checking account (one-time feature; existing or converted accounts not eligible). Minimum balance of $25 required to earn dividends.$25 and up | 0.10% | $10 | Requires pairing with Everyday Checking and $100 minimum balance. 100% match on round up amounts for the first 90 days of opening a new Everyday Checking account (one-time feature; existing or converted accounts not eligible). Minimum balance of $25 required to earn dividends. |
Sources (2)
All captured Oct 6, 2026
Regular Share Savings
0.05%APY
Primary basic savings account representing credit union membership share. No monthly service charge. Account may be accessed via ATM if linked to an active checking account and debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25 is required to earn dividends. Rates are variable.$25 and up | 0.05% | $5 | Minimum balance of $25 is required to earn dividends. Rates are variable. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA (Traditional, Roth, ESA)
0.10%APY
Tiered-rate retirement savings account available as Traditional IRA, Roth IRA, or Coverdell ESA. No annual fee and no minimum balance to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Minimum balance of $25 required to earn dividends. No annual fee and no minimum balance to open. | 0.10% | $10 | Minimum balance of $25 required to earn dividends. No annual fee and no minimum balance to open. |
| $50,000 – $200,000No annual fee and no minimum balance to open. | 1.25% | — | No annual fee and no minimum balance to open. |
| $200,000 and upNo annual fee and no minimum balance to open. | 1.50% | — | No annual fee and no minimum balance to open. |
Sources (3)
- inspirefcu.org/personal-banking/retirement-accounts
- inspirefcu.org/savings-rates
- inspirefcu.org/traditional-ira
All captured Oct 6, 2026
Secondary Savings, Vacation, & Christmas Club
0.05%APY
Short-term savings accounts including Secondary Savings, Vacation Club, and Holiday/Christmas Club. No minimum balance to open. Holiday Club balance will be transferred to another account of yours on or after October 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance of $25 is required to earn dividends. No minimum balance to open.$25 and up | 0.05% | $5 | Minimum balance of $25 is required to earn dividends. No minimum balance to open. |
Sources (2)
All captured Oct 6, 2026
Youth Savings
0.05%APY
$5 minimum deposit to open account. Designed to help develop saving and account management skills.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$5 minimum deposit to open account. Minimum balance of $25 required to earn disclosed dividend. Dividends paid monthly.$25 and up | 0.05% | $5 | $5 minimum deposit to open account. Minimum balance of $25 required to earn disclosed dividend. Dividends paid monthly. |
Sources (3)
- inspirefcu.org/personal-banking/youth-accounts
- inspirefcu.org/personal-banking/savings-accounts
- inspirefcu.org/savings-rates
All captured Oct 6, 2026
Who can join Inspire Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.