Credit union · NCUA insured
Keystone Credit Union Savings Rates
Keystone Credit Union’s best savings rate is 1.24% APY on $10,000, with its Share Account. Rates checked October 16, 2026.
How Keystone Credit Union’s savings rates compare
Compared with banks and credit unions near Tyler, TX, where Keystone Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Keystone Credit Union
1.24%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $124
Share Account
Top rate
Altra Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Keystone Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.24%
- $100,000 balance$100,0003.09%
- QualifiedQualified1.24%
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 Keystone 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.
Share Account
1.24%APY
Must live, work, or worship in Smith County and establish membership with Keystone Credit Union. $5 minimum deposit and balance in primary share (savings) account required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum balance to establish membership/earn dividends is $5.00. | 0.25% | — | Minimum balance to establish membership/earn dividends is $5.00. |
| $10,000 – $50,000 | 1.24% | $124 | |
| $50,000 and up | 3.09% | — |
Special-purpose accounts
IRA Share Account
1.24%APY
Must be a member of Keystone Credit Union. Share-based Traditional and Roth IRAs; not certificate-based and has no time-deposit penalty.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Can be started with as little as $250. | 0.25% | — | Can be started with as little as $250. |
| $10,000 – $50,000Can be started with as little as $250. | 1.24% | $124 | Can be started with as little as $250. |
| $50,000 and upCan be started with as little as $250. | 3.09% | — | Can be started with as little as $250. |
Who can join Keystone Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in Smith County can become a member.
- Individuals who live, work, or worship in Tyler, or live within a 10-mile radius, are eligible for membership.
Family and household
- Individuals who have a relative or family member with an existing membership are eligible to join.
Cost to join
- Membership requires providing ID, signature, and paying a $5.00 fee to purchase a share of the credit union.
Membership information collected October 5, 2026.