Credit union · NCUA insured
New Horizons Credit Union Savings Rates
New Horizons Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How New Horizons Credit Union’s savings rates compare
Compared with banks and credit unions near Mobile, AL, where New Horizons Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New Horizons Credit Union
1.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $100
Kasasa Saver
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
New Horizons Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.45%
- QualifiedQualified1.00%
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 New Horizons 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.
Kasasa Saver
Up to 1.00%APY
Base rate for accounts that do not meet qualifications is 0.05% APY. APY for balances > $25,000 ranges from 1.00% to 0.40%.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase rate for accounts that do not meet qualifications | 0.05% | $5 | Base rate for accounts that do not meet qualifications |
| Up to $25,000Qualifying rate on balance tier $0.01 - $25,000 | 1.00% | $100 | Qualifying rate on balance tier $0.01 - $25,000 |
| $25,000 and upQualifying rate for balances over $25,000; APY ranges from 1.00% to 0.40% | 0.40% | — | Qualifying rate for balances over $25,000; APY ranges from 1.00% to 0.40% |
Sources (1)
- newhcu.org/accounts/deposit-account-rates · captured Oct 15, 2026
Money Market Account
0.20%APY
Must join/be a member of New Horizons Credit Union. Variable rates subject to change monthly. Fees may reduce earnings. Low balance fees and other conditions per Truth-In-Savings Disclosure. Minimum to open is $2,500.00. A maximum of three transfers may be by check, draft, or similar order payable to a third party.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. | 0.10% | — | Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. |
| $10,000 – $24,999Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. | 0.20% | $20 | Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. |
| $25,000 – $49,999Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. | 0.30% | — | Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. |
| $50,000 – $99,999Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. | 0.40% | — | Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. |
| $100,000 and upVariable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. | 0.45% | — | Variable rate subject to change monthly. May incur a fee for low balances and other conditions. Fees may reduce earnings. |
Sources (3)
- newhcu.org/accounts/deposit-account-rates
- newhcu.org/accounts/investments
- newhcu.org/accounts/savings-rates
All captured Oct 5, 2026
Savings Account
0.10%APY
Initial minimum deposit of $5 required to establish account and membership. Share account rates are variable and subject to change. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Sources (3)
- newhcu.org/accounts/deposit-account-rates
- newhcu.org/accounts/savings-accounts
- newhcu.org/accounts/savings-rates
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Accounts
0.20%APY
IRA Share Accounts. Share account rates are variable and subject to change monthly. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 15, 2026
Christmas Account
0.10%APY
Annual balance transfer to primary account occurs the first week in November. Withdrawals made prior to the November transfer date incur an early withdrawal fee. Account subject to automatic closure if no deposit is made in the 12-month period following transfer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- newhcu.org/accounts/deposit-account-rates
- newhcu.org/accounts/savings-accounts
- newhcu.org/accounts/savings-rates
All captured Oct 15, 2026
Vacation Accounts
0.10%APY
Funds earn dividends and can be accessed/transferred at any time. Subject to closing if $0 balance and no transactions in 12 months, or dormant account fees if positive balance with no transactions in 12 months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- newhcu.org/accounts/deposit-account-rates
- newhcu.org/accounts/savings-accounts
- newhcu.org/accounts/savings-rates
All captured Oct 15, 2026
Who can join New Horizons Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Mobile, Baldwin, Washington, Clarke, Monroe, or Escambia counties in Alabama, or Escambia, Santa Rosa, or Okaloosa counties in Florida are eligible for membership.
Employers and groups
- Employees of a member company are eligible for membership.
Family and household
- Persons related to a current member are eligible for membership.
Cost to join
- A $5 minimum deposit to open and maintain a primary savings (Share) account is required for membership.
Membership information collected October 4, 2026.