Credit union · NCUA insured
Internationalites Federal Credit Union Savings Rates
Internationalites Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Savings Accounts. Rates checked October 22, 2026.
How Internationalites Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Carlsbad, NM, where Internationalites Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Internationalites Federal Credit Union
0.30%APY
- Minimum
- $30
- Earns on $10,000 a year
- $30
Savings Accounts
Top rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
2nd-highest rate
Artesia Credit Union
0.75%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Internationalites Federal Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 Internationalites 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.
Savings Accounts
0.30%APY
Dividends are compounded and credited monthly using the average daily balance method. A minimum of 6 shares at $5.00 par value ($30.00) is required for credit union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $201 | 0.00% | — |
| $201 – $5,000 | 0.10% | — |
| $5,000 – $10,000 | 0.20% | — |
| $10,000 and up | 0.30% | $30 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Christmas Club
0.60%APY
Withdrawal limitations apply. Entire balance transferred to another account on the Monday before Thanksgiving.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAccount withdrawal limitations apply.Any balance | 0.60% | $60 | Account withdrawal limitations apply. |
Sources (2)
All captured Sep 16, 2026
Who can join Internationalites Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Mosaic Potash Carlsbad Inc., Intrepid Potash, 4 Elements Oilfield Services LLC, or SIMCO (Salado Isolation Mining Contractors) are eligible for membership.
- Employees of International Minerals Carlsbad (IMC), Intrepid Potash, Pro Control Well Services LLC, or SIMCO (Salado Isolation Mining Contractors)/WIPP are eligible for membership.
Military, government and schools
- Employees of the City of Carlsbad are eligible for membership.
Family and household
- Parents, brothers, sisters, sons, daughters, grandparents, grandchildren, step-parents, and step-children of eligible employees or their spouses are eligible for membership.
Cost to join
- Members must purchase six shares at $5.00 each ($30.00 total) and maintain a $30.00 share balance, which is refundable upon termination if the account remains open in good standing for at least 90 days.
Membership information collected October 4, 2026.