Credit union · NCUA insured
Lone Star Credit Union Savings Rates
Lone Star Credit Union’s best savings rate is 1.16% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How Lone Star Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Lone Star Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lone Star Credit Union
1.16%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $116
Money Market Checking
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
Lone Star Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.16%
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 Lone Star 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.
Money Market Checking
1.16%APY
Minimum daily balance of $2,500 required to avoid service charges. Dividends compound and credit monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $14,999Dividends compound and credit monthly. No service charge when maintaining a daily account balance of $2,500. | 1.16% | $116 | Dividends compound and credit monthly. No service charge when maintaining a daily account balance of $2,500. |
| $15,000 and upDividends compound and credit monthly. No service charge when maintaining a daily account balance of $2,500. | 1.26% | — | Dividends compound and credit monthly. No service charge when maintaining a daily account balance of $2,500. |
Sources (2)
All captured Oct 6, 2026
Regular Savings
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.$100 and up | 0.25% | $25 | Minimum balance to earn APY is $100. |
Sources (1)
- lonestarcu.org/loans/rates · captured Oct 6, 2026
Save to Win Savings Account
0.25%APY
Prize-linked savings account for Lone Star Credit Union members. Every $25 increase in monthly balance earns entries into monthly and quarterly cash prize drawings. Interest compounds quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRates as high as 0.25% APY. Dividends earned on balances over $100.$100 and up | 0.25% | $25 | Rates as high as 0.25% APY. Dividends earned on balances over $100. |
Sources (3)
- lonestarcu.org/accounts/savings
- lonestarcu.org/accounts/savings/compare-savings-accounts
- lonestarcu.org/accounts/savings/save-to-win
All captured Oct 6, 2026
Special Savings
0.25%APY
Customizable sub-account to dedicate for specific savings goals. Interest compounds monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.00. No minimum deposit.$100 and up | 0.25% | $25 | Minimum balance to earn APY is $100.00. No minimum deposit. |
Special-purpose accounts
Youth Savings
0.25%APY
For kids aged 12 and under. Includes membership in Penny's Pals Savings Club. Free account with no fees or penalties.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Tier 1: $100.00 to $2,499.99. | 0.35% | — | Tier 1: $100.00 to $2,499.99. |
| $2,500 and upTier 2: greater than $2,500.00. | 0.25% | $25 | Tier 2: greater than $2,500.00. |
Sources (3)
- lonestarcu.org/loans/rates
- lonestarcu.org/accounts/savings
- lonestarcu.org/accounts/savings/youth-accounts
All captured Oct 6, 2026
Holiday Club Account
0.25%APY
Balance is automatically released/deposited into savings or checking account on October 1. Transfers prior to October 1 incur a $5 fee each and must be made by phone or in person. Dividends compound and are paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates as high as 0.25% APY. No monthly service charge. No maximum balance limits.Any balance | 0.25% | $25 | Rates as high as 0.25% APY. No monthly service charge. No maximum balance limits. |
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalance to earn APY is $100.00.$100 and up | 0.10% | $10 | Balance to earn APY is $100.00. |
Sources (1)
- lonestarcu.org/loans/rates · captured Oct 6, 2026
Who can join Lone Star Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school within Collin or Ellis County are eligible for membership.
- Persons who live or work within the Texas counties of Delta, Hopkins, Hunt, Kaufman, Rains, or Rockwall are eligible for membership.
- Persons who live or work within a 10-mile radius of the Dallas branch are eligible for membership.
Employers and groups
- Employees of a business served by Lone Star Credit Union are eligible for membership.
Family and household
- Family members of individuals who are eligible for membership (or members) are eligible to join.
Cost to join
- A $25 opening deposit into a Savings account is required to become a member.
Membership information collected October 5, 2026.