Credit union · NCUA insured
Keesler Federal Credit Union Savings Rates
Top CarrotKeesler Federal Credit Union’s best savings rate is 3.25% APY on $10,000, with its HIMMA Premier High Interest Money Market Account. Rates checked October 22, 2026.
How Keesler Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Gulfport, MS, where Keesler Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Keesler Federal Credit Union
3.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $325
HIMMA Premier High Interest Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Navigator Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $325
Keesler Federal Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0003.25%
- $10,000 balance$10,0003.25%
- $100,000 balance$100,0003.25%
- QualifiedQualified3.25%
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 Keesler 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.
HIMMA Premier High Interest Money Market Account
3.25%APY
Rate available on new deposits only. Account can be opened online, by phone, or in branch. At the end of six months, balance can be rolled into a regular HIMMA account, share/checking account, or certificate. Limit 6 pre-authorized withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNew deposits only. Rate applies for the first 6 months.Any balance | 3.25% | $325 | New deposits only. Rate applies for the first 6 months. |
Sources (1)
- kfcu.org/rates · captured Sep 26, 2026
Smart Change
2.00%APY
Savings feature that rounds up debit card purchases to the nearest dollar and transfers the difference into savings. Requires an eligible Keesler Federal checking account and debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns dividends at 2% APY on rounded-up debit card purchase deposits. Requires eligible Keesler Federal checking account and debit card.Any balance | 2.00% | $200 | Earns dividends at 2% APY on rounded-up debit card purchase deposits. Requires eligible Keesler Federal checking account and debit card. |
Sources (2)
All captured Sep 24, 2026
Checking Saver
Up to 1.00%APY
Free savings account with no minimum balance that earns dividends when meeting monthly qualifications of linked Keesler Federal checking account. Automatically moves rewards into savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $150,000Qualified: when monthly qualifications of linked checking account are met. Rate applies to balances up to $150,000. | 1.00% | $100 | Qualified: when monthly qualifications of linked checking account are met. Rate applies to balances up to $150,000. |
| Any balanceNon-Qualified: earned on all balances when checking qualifications are not met. | 0.05% | $5 | Non-Qualified: earned on all balances when checking qualifications are not met. |
| $150,000 and upQualified: when monthly qualifications of linked checking account are met. Blended APY ranges from 1.00% to 0.76% depending on account daily balance. | 0.40% | — | Qualified: when monthly qualifications of linked checking account are met. Blended APY ranges from 1.00% to 0.76% depending on account daily balance. |
Sources (4)
- kfcu.org/personal-banking/checking
- kfcu.org/personal-banking/checking/checking-saver
- kfcu.org/personal-banking/savings
- kfcu.org/rates
All captured Sep 24, 2026
High Interest Money Market Account (HIMMA)
0.30%APY
Minimum $2,500 deposit to open account and earn dividends. Automatic transfers limited to six per month. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.30% | — |
| $10,000 – $50,000 | 0.30% | $30 |
| $50,000 – $100,000 | 0.35% | — |
| $100,000 and up | 0.40% | — |
Sources (1)
- kfcu.org/rates · captured Sep 26, 2026
Alternate Share Savings
0.20%APY
Earn quarterly dividends; 0.15% for balances less than $5,000, 0.20% for balances $5,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Paid quarterly; balances less than $5,000. | 0.15% | — | Paid quarterly; balances less than $5,000. |
| $5,000 and upPaid quarterly; balances $5,000 or more. | 0.20% | $20 | Paid quarterly; balances $5,000 or more. |
Primary Share Savings
0.20%APY
Earn quarterly dividends; 0.15% for balances less than $5,000, 0.20% for balances $5,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Paid quarterly; balances less than $5,000. | 0.15% | — | Paid quarterly; balances less than $5,000. |
| $5,000 and upPaid quarterly; balances $5,000 or more. | 0.20% | $20 | Paid quarterly; balances $5,000 or more. |
Special-purpose accounts
IRA Savings
0.65%APY
IRS early withdrawal penalties on IRA withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.65% | $65 |
Sources (1)
- kfcu.org/rates · captured Sep 24, 2026
Christmas Share Savings
0.30%APY
Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid quarterly.Any balance | 0.30% | $30 | Paid quarterly. |
Who can join Keesler Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in, as well as businesses and legal entities located in specified census tracts in Mobile County, Alabama, are eligible for membership.
- Individuals who live, work, worship, or attend school in select census tracts across specified Louisiana parishes are eligible for membership.
- Individuals who live, work, worship, or attend school in specified Mississippi counties or select census tracts are eligible for membership.
Employers and groups
- Employees of one of over 300 Select Employee Groups are eligible for membership.
Military, government and schools
- Military who can use the services at Keesler Air Force Base or at Royal Air Force Bases in the UK are eligible for membership.
Family and household
- Individuals with an immediate family member who is already a Keesler Federal member are eligible to join.
Membership information collected October 4, 2026.