Credit union · NCUA insured
Loyalty CU Savings Rates
Loyalty CU’s best savings rate is 0.72% APY on $10,000, with its Money Market Accounts. Rates checked October 15, 2026.
How Loyalty CU’s savings rates compare
Compared with banks and credit unions near Pensacola, FL, where Loyalty CU has the most branches. $10,000, best rate first.
This credit union’s best
Loyalty CU
0.72%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $72
Money Market Accounts
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Loyalty CU savings score
82
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.72%
- $100,000 balance$100,0000.72%
- QualifiedQualified0.72%
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 Loyalty CU 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 Accounts
0.72%APY
Requires a balance of $2,500 to remain open and earn higher dividends. Higher balances earn higher dividends. No early withdrawal fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.72% | $72 |
Regular Shares
0.30%APY
Dividends paid quarterly on average daily balance. Valid picture ID and proof of residence required to establish membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.30% | $30 |
Special (You Name It) Savings Account
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Special-purpose accounts
IRA Accumulator
0.90%APY
Dividends compounded monthly and paid monthly. Once balance reaches $250.00, funds may be invested into an IRA Term Share Certificate of Deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $40 and up | 0.90% | $90 |
Holiday Club
0.30%APY
Funds are available in early November each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (3)
All captured Sep 18, 2026
Vacation Club
0.30%APY
Dividends paid quarterly on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (3)
All captured Sep 18, 2026
Who can join Loyalty CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Citizens of Escambia, Santa Rosa, Okaloosa, Walton, Washington, Bay, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson, and Duval counties are eligible for membership.
Cost to join
- Opening an account requires a $5.00 deposit into a savings account.
Membership information collected October 5, 2026.