Credit union · NCUA insured
NAFT Federal Credit Union Savings Rates
Top CarrotNAFT Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How NAFT Federal Credit Union’s savings rates compare
Compared with banks and credit unions near McAllen, TX, where NAFT Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NAFT Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
PlainsCapital Bank
3.40%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $340
2nd-highest rate
Rally Credit Union
3.30%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $330
NAFT Federal Credit Union savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 NAFT Federal 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 Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upDividends paid monthly. Minimum balance to earn stated APY is $2,000.00.$2,000 and up | 0.50% | $50 | Dividends paid monthly. Minimum balance to earn stated APY is $2,000.00. |
Sources (2)
All captured Sep 17, 2026
Savings Account
0.10%APY
Opening deposit of $20 plus a $5 membership fee required. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Dividends paid monthly; $5 fee applies at opening. | 0.10% | — | Dividends paid monthly; $5 fee applies at opening. |
| $500 – $2,000Dividends paid monthly; $5 fee applies at opening. | 0.10% | — | Dividends paid monthly; $5 fee applies at opening. |
| $2,000 and upDividends paid monthly; $5 fee applies at opening. | 0.10% | $10 | Dividends paid monthly; $5 fee applies at opening. |
Sources (2)
All captured Sep 17, 2026
Special Savings & Escrow
0.10%APY
Opening deposit is optional. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Dividends paid monthly. | 0.10% | — | Dividends paid monthly. |
| $500 – $2,000Dividends paid monthly. | 0.10% | — | Dividends paid monthly. |
| $2,000 and upDividends paid monthly. | 0.10% | $10 | Dividends paid monthly. |
Sources (1)
- naftfcu.coop/rates/deposit-rates · captured Sep 17, 2026
Trust Account
0.10%APY
Opening deposit of $20 plus a $5 fee. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Dividends paid monthly; $5 fee applies at opening. | 0.10% | — | Dividends paid monthly; $5 fee applies at opening. |
| $500 – $2,000Dividends paid monthly; $5 fee applies at opening. | 0.10% | — | Dividends paid monthly; $5 fee applies at opening. |
| $2,000 and upDividends paid monthly; $5 fee applies at opening. | 0.10% | $10 | Dividends paid monthly; $5 fee applies at opening. |
Sources (1)
- naftfcu.coop/rates/deposit-rates · captured Sep 17, 2026
Special-purpose accounts
Christmas Club
0.65%APY
Opening deposit is optional. Earns on any balance. Dividends paid monthly. An early withdrawal penalty of $25.00 applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns on any balance. Dividends paid monthly. Early withdrawal penalty applies.Any balance | 0.65% | $65 | Earns on any balance. Dividends paid monthly. Early withdrawal penalty applies. |
Sources (2)
All captured Sep 17, 2026
Who can join NAFT Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Hidalgo or Cameron County is eligible to join NAFT Federal Credit Union.
Membership information collected October 5, 2026.