Credit union · NCUA insured
My Credit Union Savings Rates
My Credit Union’s best savings rate is 0.25% APY on $10,000, with its Share Savings. Rates checked October 16, 2026.
How My Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where My Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
My Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Share Savings
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
My Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 My 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 Savings
0.25%APY
Dividends are not paid on accounts under the minimum balance indicated ($20.00). Savings dividend rates are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.10% | — |
| $500 – $5,000 | 0.15% | — |
| $5,000 – $10,000 | 0.25% | — |
| $10,000 and up | 0.25% | $25 |
Sources (1)
- mycutx.com/Rates/Share-Rates.aspx · captured Sep 17, 2026
Tax/Escrow Savings
0.10%APY
Dividends are not paid on accounts under the minimum balance indicated ($5.00). Savings dividend rates are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (1)
- mycutx.com/Rates/Share-Rates.aspx · captured Sep 17, 2026
Special-purpose accounts
Christmas Club/Vacation Club
0.10%APY
Dividends are not paid on accounts under the minimum balance indicated ($5.00). Savings dividend rates are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (1)
- mycutx.com/Rates/Share-Rates.aspx · captured Sep 17, 2026
Youth Club (kids 16 & Under)
0.10%APY
For kids 16 and under. Dividends are not paid on accounts under the minimum balance indicated ($5.00). Savings dividend rates are declared monthly by the Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFor kids 16 & Under.$5 and up | 0.10% | $10 | For kids 16 & Under. |
Sources (1)
- mycutx.com/Rates/Share-Rates.aspx · captured Sep 17, 2026
Who can join My Credit Union
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