Credit union · NCUA insured
Interior Federal Savings Rates
Interior Federal’s best savings rate is 0.65% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Interior Federal’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Interior Federal has the most branches. $10,000, best rate first.
This credit union’s best
Interior Federal
0.65%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $65
Money Market Account
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
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Interior Federal savings score
82
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.51%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.85%
- QualifiedQualified0.65%
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 Interior Federal 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 Account
0.65%APY
Competitive dividends on average daily balance of $1,000 or more. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $5,000 | 0.51% | — |
| $5,000 – $10,000 | 0.60% | — |
| $10,000 – $25,000 | 0.65% | $65 |
| $25,000 – $50,000 | 0.70% | — |
| $50,000 – $75,000 | 0.75% | — |
| $75,000 – $100,000 | 0.80% | — |
| $100,000 and up | 0.85% | — |
Sources (1)
- interiorfederal.org/invest/money-market-accounts · captured Oct 3, 2026
Primary Savings Account
0.20%APY
Required to become an Interior Federal member; maintain a $25 balance to remain a member.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,499 | 0.15% | — |
| $1,500 and up | 0.20% | $20 |
Sources (1)
- interiorfederal.org/spend-save/savings-accounts · captured Oct 22, 2026
Secondary Savings Account
0.20%APY
Closed if balance remains zero for 18 months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,499 | 0.15% | — |
| $1,500 and up | 0.20% | $20 |
Sources (1)
- interiorfederal.org/spend-save/savings-accounts · captured Oct 22, 2026
Special-purpose accounts
IRA Account
0.25%APY
Available as Traditional IRA or Roth IRA. Must have earned income to contribute.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit.Any balance | 0.25% | $25 | No minimum deposit. |
Sources (1)
- interiorfederal.org/invest/iras · captured Oct 22, 2026
Holiday Club Savings
0.20%APY
Funds become available each year on October 1st; early withdrawal penalty fee of $10 prior to October 1.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- interiorfederal.org/spend-save/savings-accounts · captured Oct 22, 2026
Little Buffalos Primary Savings for Kids
0.20%APY
Designed for children aged 12 and under. Must maintain a $25 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,499Must maintain a minimum balance of $25. | 0.15% | — | Must maintain a minimum balance of $25. |
| $1,500 and upMust maintain a minimum balance of $25. | 0.20% | $20 | Must maintain a minimum balance of $25. |
Sources (1)
- interiorfederal.org/spend-save/kids-accounts · captured Oct 22, 2026
Vacation Club Savings
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- interiorfederal.org/spend-save/savings-accounts · captured Oct 22, 2026
Who can join Interior Federal
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can become eligible by joining partner association Public Lands Foundation at no cost.
Employers and groups
- Available to members/employees of Public Lands Alliance (PLA) as a Select Employee Group.
- Available to non-DOI employees, volunteers, and retirees (and members where designated) of specified partner organizations.
Military, government and schools
- Available to DOI on-site contractors.
- Available to DOI employees nationwide.
- Available to all DOI retirees.
2 more ways to join
Military, government and schools
- Available to volunteers for a DOI organization or national park.
Family and household
- Available to spouses, children, siblings, parents, grandparents, grandchildren, and household members living in the same residence who maintain a single economic unit.
Cost to join
- Submit $25 for your membership share through your funding choice.
Membership information collected October 4, 2026.