Credit union · NCUA insured
North Alabama Educators Credit Union Savings Rates
North Alabama Educators Credit Union’s best savings rate is 1.51% APY on $10,000, with its Super Share Account. Rates checked October 22, 2026.
How North Alabama Educators Credit Union’s savings rates compare
Compared with banks and credit unions near Huntsville, AL, where North Alabama Educators Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Alabama Educators Credit Union
1.51%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $151
Super Share Account
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Avadian Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
North Alabama Educators Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0001.86%
- QualifiedQualified1.51%
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 North Alabama Educators 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.
Round Up Accounts
Up to 0.35%APY
Debit card transaction round-up savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Prospective dividend rate & APY: December 31, 2026. Rate on Average Daily Balance of $0.01-$2,500.00 for Debit Card Transactions round up. | 2.27% | — | Prospective dividend rate & APY: December 31, 2026. Rate on Average Daily Balance of $0.01-$2,500.00 for Debit Card Transactions round up. |
| Up to $2,500Last dividend declaration date: September 30, 2026. Rate on Average Daily Balance of $0.01-$2,500.00 for Debit Card Transactions round up. | 2.25% | — | Last dividend declaration date: September 30, 2026. Rate on Average Daily Balance of $0.01-$2,500.00 for Debit Card Transactions round up. |
| Over $2,500Prospective dividend rate & APY: December 31, 2026. Rate on Average Daily Balance of $2,500.01 and above for Debit Card Transactions round up. | 0.35% | $35 | Prospective dividend rate & APY: December 31, 2026. Rate on Average Daily Balance of $2,500.01 and above for Debit Card Transactions round up. |
| Over $2,500Last dividend declaration date: September 30, 2026. Rate on Average Daily Balance of $2,500.01 and above for Debit Card Transactions round up. | 0.25% | $25 | Last dividend declaration date: September 30, 2026. Rate on Average Daily Balance of $2,500.01 and above for Debit Card Transactions round up. |
Sources (1)
- naecu.org/savings-dividend-rates · captured Oct 22, 2026
Super Share Account
Up to 1.51%APY
Secondary savings account that allows earning a higher dividend if the daily balance is $2,000 or more. Balances that drop below the $2,000 minimum earn the normal savings account rate. Dividends paid quarterly. Minimum deposit of $100 required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Prospective dividend rate & APY: December 31, 2026. Rate based on Average Daily Balance over Period of $2,000 to $9,999.99. Dividends paid quarterly. | 1.35% | — | Prospective dividend rate & APY: December 31, 2026. Rate based on Average Daily Balance over Period of $2,000 to $9,999.99. Dividends paid quarterly. |
| $2,000 – $10,000Last dividend declaration date: September 30, 2026. Rate based on Average Daily Balance over Period of $2,000 to $9,999.99. Dividends paid quarterly. | 1.26% | — | Last dividend declaration date: September 30, 2026. Rate based on Average Daily Balance over Period of $2,000 to $9,999.99. Dividends paid quarterly. |
| $10,000 – $25,000Prospective dividend rate & APY: December 31, 2026. Rate based on Average Daily Balance over Period of $10,000 to $24,999.99. Dividends paid quarterly. | 1.51% | $151 | Prospective dividend rate & APY: December 31, 2026. Rate based on Average Daily Balance over Period of $10,000 to $24,999.99. Dividends paid quarterly. |
| $10,000 – $25,000Last dividend declaration date: September 30, 2026. Rate based on Average Daily Balance over Period of $10,000 to $24,999.99. Dividends paid quarterly. | 1.41% | $141 | Last dividend declaration date: September 30, 2026. Rate based on Average Daily Balance over Period of $10,000 to $24,999.99. Dividends paid quarterly. |
| $25,000 – $50,000Prospective dividend rate & APY: December 31, 2026. Rate based on Average Daily Balance over Period of $25,000 to $49,999.99. Dividends paid quarterly. | 1.61% | — | Prospective dividend rate & APY: December 31, 2026. Rate based on Average Daily Balance over Period of $25,000 to $49,999.99. Dividends paid quarterly. |
| $25,000 – $50,000Last dividend declaration date: September 30, 2026. Rate based on Average Daily Balance over Period of $25,000 to $49,999.99. Dividends paid quarterly. | 1.51% | — | Last dividend declaration date: September 30, 2026. Rate based on Average Daily Balance over Period of $25,000 to $49,999.99. Dividends paid quarterly. |
| $50,000 and upProspective dividend rate & APY: December 31, 2026. Rate based on Average Daily Balance over Period of $50,000 and above. Dividends paid quarterly. | 1.86% | — | Prospective dividend rate & APY: December 31, 2026. Rate based on Average Daily Balance over Period of $50,000 and above. Dividends paid quarterly. |
| $50,000 and upLast dividend declaration date: September 30, 2026. Rate based on Average Daily Balance over Period of $50,000 and above. Dividends paid quarterly. | 1.76% | — | Last dividend declaration date: September 30, 2026. Rate based on Average Daily Balance over Period of $50,000 and above. Dividends paid quarterly. |
Savings Account
Up to 0.35%APY
Establishes member ownership/share in the credit union. Requires $5.00 minimum deposit to join. An average daily balance of $100 or more during the dividend period is required to earn dividends. Dividends paid quarterly. Must be opened for access to any other member accounts or services.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upProspective dividend rate & APY: December 31, 2026. $100 minimum Average Daily Balance to earn dividends. Dividends paid quarterly.$100 and up | 0.35% | $35 | Prospective dividend rate & APY: December 31, 2026. $100 minimum Average Daily Balance to earn dividends. Dividends paid quarterly. |
| $100 and upLast dividend declaration date: September 30, 2026. $100 minimum Average Daily Balance to earn dividends. Dividends paid quarterly.$100 and up | 0.25% | $25 | Last dividend declaration date: September 30, 2026. $100 minimum Average Daily Balance to earn dividends. Dividends paid quarterly. |
Special-purpose accounts
Christmas Club Accounts
Up to 0.75%APY
Savings account for holiday season. Payroll deduction, counter, and mail deposits available. Dividends paid annually prior to balance being transferred to savings or share draft account during the first week of November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLast declared dividend rate & APY for October 31, 2025. Dividends paid annually.Any balance | 0.75% | $75 | Last declared dividend rate & APY for October 31, 2025. Dividends paid annually. |
| Any balanceProspective dividend rate & APY: October 31, 2026. Dividends paid annually.Any balance | 0.65% | $65 | Prospective dividend rate & APY: October 31, 2026. Dividends paid annually. |
Club Accounts
Up to 0.35%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceProspective dividend rate & APY: December 31, 2026.Any balance | 0.35% | $35 | Prospective dividend rate & APY: December 31, 2026. |
| Any balanceLast dividend declaration date: September 30, 2026.Any balance | 0.25% | $25 | Last dividend declaration date: September 30, 2026. |
Who can join North Alabama Educators Credit Union
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