Credit union · NCUA insured
Instep Credit Union Savings Rates
Top CarrotInstep Credit Union’s best savings rate is 0.40% APY on $10,000, with its Regular Share. Rates checked October 16, 2026.
How Instep Credit Union’s savings rates compare
Compared with banks and credit unions near New Orleans, LA, where Instep Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Instep Credit Union
0.40%APY
- Minimum
- $5
- Earns on $10,000 a year
- $40
Regular Share
Top rate
Keesler Federal Credit Union
3.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
Instep Credit Union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
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 Instep 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.
Regular Share
0.40%APY
Instep CU membership required. $6 minimum deposit to open for new members ($1 to join + $5 minimum balance). Dividends compounded and posted monthly on daily balances of $50.00 and above. Up to 3 free withdrawals per month ($3 fee per additional withdrawal).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $150,000Tiered dividends paid monthly on minimum balances of $50.00 and above.Up to $150,000 | 0.40% | $40 | Tiered dividends paid monthly on minimum balances of $50.00 and above. |
Special-purpose accounts
Instep Kids & Teen Savings
4.09%APY
For ages 17 and under with an adult 18+ as joint account holder. Automatically converts to a regular savings account on 18th birthday. Dividends compounded and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly on balances of $0.01 and above ($5.00 and above per page terms). No monthly service fee.Over $0 | 4.09% | $409 | Dividends paid monthly on balances of $0.01 and above ($5.00 and above per page terms). No monthly service fee. |
Christmas Club
3.05%APY
Funds released first week of November. $50 fee for withdrawals made before scheduled disbursement. Dividends compounded and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly on balances of $0.01 and above ($5.00 and above per page terms). Penalty for early withdrawals.Over $0 | 3.05% | $305 | Dividends paid monthly on balances of $0.01 and above ($5.00 and above per page terms). Penalty for early withdrawals. |
Sources (1)
- instepmembers.com/club-accounts · captured Oct 5, 2026
Summer Club
3.05%APY
Funds disbursed first week of July. $50 fee for withdrawals made before scheduled disbursement. Dividends compounded and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly on balances of $0.01 and above ($5.00 and above per page terms). Penalty for early withdrawals.Over $0 | 3.05% | $305 | Dividends paid monthly on balances of $0.01 and above ($5.00 and above per page terms). Penalty for early withdrawals. |
Sources (1)
- instepmembers.com/club-accounts · captured Oct 5, 2026
IRA
1.26%APY
Variable rate account. Dividends posted monthly based on daily balance and compounded monthly. Early withdrawal penalties may apply.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $10,000Tier 1: balances from $0.01 to $10,000.00. · $0.01 to open | 1.26% | $0.01 | $126 | Tier 1: balances from $0.01 to $10,000.00. |
| $10,000 – $20,000Tier 2: balances from $10,000.01 to $19,999.99. · $10,000.01 to open | 1.51% | $10,000.01 | — | Tier 2: balances from $10,000.01 to $19,999.99. |
| $20,000 and upTier 3: balances of $20,000.00 and above. · $20,000 to open | 1.76% | $20,000 | — | Tier 3: balances of $20,000.00 and above. |
Sources (1)
- instepmembers.com/rates · captured Oct 5, 2026
Who can join Instep Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.