Credit union · NCUA insured
Light Commerce Credit Union Savings Rates
Light Commerce Credit Union’s best savings rate is 0.40% APY on $10,000, with its Special Share. Rates checked October 16, 2026.
How Light Commerce Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Light Commerce Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Light Commerce Credit Union
0.40%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $40
Special Share
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
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Light Commerce Credit Union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.28%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
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 Light Commerce 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.
Special Share
0.40%APY
Minimum opening deposit of $25.00. Minimum daily balance of $100.00 required to avoid a service fee and to earn the stated APY. Tiered rate account where the dividend rate and APY for the met balance range apply to the full balance. Account transfer and withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Tier 1: Daily balance of $100.00 to $9,999.99 earns 0.28% dividend rate and 0.28% APY. Whole balance applies once tier is met. Minimum daily balance of $100.00 to avoid a service fee. | 0.28% | — | Tier 1: Daily balance of $100.00 to $9,999.99 earns 0.28% dividend rate and 0.28% APY. Whole balance applies once tier is met. Minimum daily balance of $100.00 to avoid a service fee. |
| $10,000 and upTier 2: Daily balance of $10,000.00 or greater earns 0.40% dividend rate and 0.40% APY. Whole balance applies once tier is met. | 0.40% | $40 | Tier 2: Daily balance of $10,000.00 or greater earns 0.40% dividend rate and 0.40% APY. Whole balance applies once tier is met. |
Sources (1)
- lightcommercecu.org/files/ligh…MEMBERSHIP_AGREEMENT.pdf · captured Oct 16, 2026
52 Week Savings
0.28%APY
Weekly savings challenge over 52 weeks. Minimum opening deposit is $1.00. Daily balance of $100.00 required to earn stated APY. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires minimum daily balance of $100.00 to earn stated APY. Account transfer and withdrawal limitations apply.$100 and up | 0.28% | $28 | Requires minimum daily balance of $100.00 to earn stated APY. Account transfer and withdrawal limitations apply. |
Sources (2)
- lightcommercecu.org/files/ligh…MEMBERSHIP_AGREEMENT.pdf
- lightcommercecu.org/services/membership-services
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.28%APY
Minimum opening deposit $50.00. Entire balance may remain in account or be transferred on or after November 1. Withdrawals charged a fee unless within 7 days of opening. Up to 6 transfers/withdrawals per month allowed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Account transfer and withdrawal limitations apply. Early withdrawal subject to fee unless within 7 days of opening.Any balance | 0.28% | $28 | Dividends compounded and credited monthly. Account transfer and withdrawal limitations apply. Early withdrawal subject to fee unless within 7 days of opening. |
Sources (2)
- lightcommercecu.org/files/ligh…MEMBERSHIP_AGREEMENT.pdf
- lightcommercecu.org/services/membership-services
All captured Oct 16, 2026
Vacation Club
0.28%APY
Minimum opening deposit $50.00. Entire balance may remain in account or be transferred on or after May 1. Withdrawals charged a fee unless within 7 days of opening. Account withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Account withdrawal limitations apply. Early withdrawal subject to fee unless within 7 days of opening.Any balance | 0.28% | $28 | Dividends compounded and credited monthly. Account withdrawal limitations apply. Early withdrawal subject to fee unless within 7 days of opening. |
Sources (2)
- lightcommercecu.org/files/ligh…MEMBERSHIP_AGREEMENT.pdf
- lightcommercecu.org/services/membership-services
All captured Oct 16, 2026
Who can join Light Commerce Credit Union
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