Credit union · NCUA insured
Jefferson Credit Union Savings Rates
Jefferson Credit Union’s best savings rate is 1.10% APY on $10,000, with its Prosperity Money Market Account. Rates checked October 22, 2026.
How Jefferson Credit Union’s savings rates compare
Compared with banks and credit unions near Birmingham, AL, where Jefferson Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Jefferson Credit Union
1.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $110
Prosperity Money Market Account
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Jefferson Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.10%
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 Jefferson 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.
Prosperity Money Market Account
1.10%APY
Variable rates. Dividend payment frequency is monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Variable rate; dividend payment frequency is monthly. | 1.00% | — | Variable rate; dividend payment frequency is monthly. |
| $10,000 – $25,000Variable rate; dividend payment frequency is monthly. | 1.10% | $110 | Variable rate; dividend payment frequency is monthly. |
| $25,000 – $50,000Variable rate; dividend payment frequency is monthly. | 1.25% | — | Variable rate; dividend payment frequency is monthly. |
| $50,000 – $100,000Variable rate; dividend payment frequency is monthly. | 1.50% | — | Variable rate; dividend payment frequency is monthly. |
| $100,000 and upVariable rate; dividend payment frequency is monthly. | 2.00% | — | Variable rate; dividend payment frequency is monthly. |
Sources (1)
- jeffersoncreditunion.org/rates · captured Sep 19, 2026
My Choice Savings
0.10%APY
No minimum balance, no monthly fees; interest earned on average daily balance; up to 6 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid monthly. Rate applies to balances of $25.00 and up.$25 and up | 0.10% | $10 | Dividends paid monthly. Rate applies to balances of $25.00 and up. |
Sources (2)
All captured Sep 19, 2026
Regular Share Savings
0.10%APY
Minimum opening deposit of $5.00 establishes membership; up to 6 withdrawals per month; dividends declared and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid quarterly. Rate applies to balances of $25.00 and up.$25 and up | 0.10% | $10 | Dividends paid quarterly. Rate applies to balances of $25.00 and up. |
Sources (2)
All captured Sep 19, 2026
SmartChange Savings
0.10%APY
Rounds up debit card purchases to next dollar and deposits spare change into savings; requires maintaining a $25.00 balance; up to 6 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid monthly. Rate applies to balances of $25.00 and up.$25 and up | 0.10% | $10 | Dividends paid monthly. Rate applies to balances of $25.00 and up. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly. Rate applies to balances of $0.01 and up.Over $0 | 0.10% | $10 | Dividends paid monthly. Rate applies to balances of $0.01 and up. |
Sources (1)
- jeffersoncreditunion.org/rates · captured Sep 19, 2026
IRA Share Account
0.10%APY
Available as Traditional, Roth, and Coverdell Education Savings accounts; separately insured by NCUA up to $250,000 per member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly. Rate applies to balances of $100.00 and up.$100 and up | 0.10% | $10 | Dividends paid quarterly. Rate applies to balances of $100.00 and up. |
Sources (2)
All captured Sep 19, 2026
Jefferson Kids Club
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly. Rate applies to balances of $5.00 and up.$5 and up | 0.10% | $10 | Dividends paid monthly. Rate applies to balances of $5.00 and up. |
Sources (1)
- jeffersoncreditunion.org/rates · captured Sep 19, 2026
Who can join Jefferson Credit Union
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