Credit union · NCUA insured
My Pensacola Credit Union Savings Rates
My Pensacola Credit Union’s best savings rate is 0.30% APY on $10,000, with its Savings (Share) Accounts. Rates checked October 15, 2026.
How My Pensacola Credit Union’s savings rates compare
Compared with banks and credit unions near Pensacola, FL, where My Pensacola Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
My Pensacola Credit Union
0.30%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $30
Savings (Share) 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
My Pensacola Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 Pensacola 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.
Savings (Share) Accounts
0.30%APY
Membership eligibility required. Variable rate account adjusting monthly based on Credit Union earnings. Becoming a member automatically opens a Share Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance to earn dividends is $100.$100 and up | 0.30% | $30 | Minimum daily balance to earn dividends is $100. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club (Share) Account
0.30%APY
Membership eligibility required. Variable rate account adjusting monthly. Funds automatically deposit into share account on November 1st of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompetitive dividends earned on entire balance. No minimum deposit required to open. A $10 early withdrawal penalty applies if funds are withdrawn before November 1st of each year.Any balance | 0.30% | $30 | Competitive dividends earned on entire balance. No minimum deposit required to open. A $10 early withdrawal penalty applies if funds are withdrawn before November 1st of each year. |
Sources (2)
All captured Oct 5, 2026
IRA Passbook
0.30%APY
Membership eligibility required. Variable rate account that can adjust daily based on Credit Union earnings. Available as Traditional IRA, Roth IRA, or Coverdell ESA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to open. Early withdrawal penalties apply to Traditional and Roth IRAs.Any balance | 0.30% | $30 | No minimum deposit required to open. Early withdrawal penalties apply to Traditional and Roth IRAs. |
Sources (2)
All captured Oct 5, 2026
Kids "Clubhouse" Club (Share) Account
0.30%APY
Membership eligibility required. Variable rate account adjusting monthly based on Credit Union earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.$100 and up | 0.30% | $30 | Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 5, 2026
Special Savings Club (Share) Account
0.30%APY
Membership eligibility required. Variable rate account adjusting monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirements and no minimum deposit required to open. Competitive dividends earned on entire balance.Any balance | 0.30% | $30 | No minimum balance requirements and no minimum deposit required to open. Competitive dividends earned on entire balance. |
Sources (2)
All captured Oct 5, 2026
Teens Club (Share) Account
0.30%APY
Membership eligibility required. Variable rate account adjusting monthly based on Credit Union earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.$100 and up | 0.30% | $30 | Minimum balance to earn dividends is $100. |
Sources (2)
All captured Oct 5, 2026
Who can join My Pensacola Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.