Credit union · NCUA insured
National Police FCU Savings Rates
Top CarrotNational Police FCU’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How National Police FCU’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where National Police FCU has the most branches. $10,000, best rate first.
This credit union’s best
National Police FCU
0.50%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
National Police FCU savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.26%
- 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 National Police FCU 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
Dividends paid quarterly and reflected on statement. $15 monthly fee if average daily balance falls below $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $24,999Fee waived if average daily balance is $500 or higher. | 0.50% | $50 | Fee waived if average daily balance is $500 or higher. |
| $25,000 – $49,999Fee waived if average daily balance is $500 or higher. | 0.60% | — | Fee waived if average daily balance is $500 or higher. |
| $50,000 and upFee waived if average daily balance is $500 or higher. | 1.26% | — | Fee waived if average daily balance is $500 or higher. |
Sources (2)
All captured Oct 6, 2026
Share Savings
0.05%APY
Minimum initial share deposit of $10 to open and become a member. Dividends paid quarterly (posted March 31st, June 30th, September 30th, and December 31st).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $3,000 | 0.03% | — |
| $3,000 – $25,000 | 0.05% | $5 |
| $25,000 and up | 0.09% | — |
Sources (3)
- nationalpolicefcu.com/resources/rates
- nationalpolicefcu.com/share-savings
- nationalpolicefcu.com/banking/products/savings
All captured Oct 6, 2026
Special-purpose accounts
Share IRA
3.30%APY
Available as Roth, Traditional, and Education IRA. Minimum initial deposit is $25.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.30% | $330 |
Sources (3)
- nationalpolicefcu.com/resources/rates
- nationalpolicefcu.com/banking/products/savings
- nationalpolicefcu.com/ira
All captured Oct 6, 2026
Christmas Savers
1.01%APY
Runs October 1 through September 30; funds automatically transfer on October 1 into regular Savings or Checking account. Minimum $50 balance required to obtain disclosed APY. Interest compounds daily; dividends paid quarterly. Closing before dividends are paid forfeits accrued interest for that quarter. Two withdrawals per year allowed ($5 early withdrawal fee applies).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum $50 balance required to obtain the disclosed APY.$50 and up | 1.01% | $101 | Minimum $50 balance required to obtain the disclosed APY. |
Sources (3)
- nationalpolicefcu.com/resources/rates
- nationalpolicefcu.com/banking/products/savings
- nationalpolicefcu.com/christmas-savers-club
All captured Oct 6, 2026
Who can join National Police FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active dues paying members of any Fraternal Order of Police Lodge are eligible for membership.
Military, government and schools
- Active or retired First Responders are eligible for membership.
- Active or retired civilian employees of eligible departments or associations qualify for membership.
Family and household
- Family members or members of household of eligible individuals qualify for membership.
Membership information collected October 5, 2026.