Credit union · NCUA insured
NPTFCU Savings Rates
NPTFCU’s best savings rate is 1.36% APY on $10,000, with its Shares. Rates checked October 16, 2026.
How NPTFCU’s savings rates compare
Compared with banks and credit unions in Texas, where NPTFCU has the most branches. $10,000, best rate first.
This credit union’s best
NPTFCU
1.36%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $136
Shares
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
NPTFCU savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0001.21%
- $10,000 balance$10,0001.36%
- $100,000 balance$100,0002.73%
- QualifiedQualified1.36%
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 NPTFCU 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.
Shares
1.36%APY
Membership requires a minimum deposit of $25.00 into shares and a $5.00 membership fee. Membership is open to employees, retirees, and their immediate families of specified school systems. All share rates are subject to change monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Dividend rate for September 2026. | 1.21% | — | Dividend rate for September 2026. |
| $10,000 – $25,000Dividend rate for September 2026. | 1.36% | $136 | Dividend rate for September 2026. |
| $25,000 – $50,000Dividend rate for September 2026. | 2.22% | — | Dividend rate for September 2026. |
| $50,000 and upDividend rate for September 2026. | 2.73% | — | Dividend rate for September 2026. |
Who can join NPTFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees and retirees of specified school systems are eligible for membership.
Family and household
- Immediate family members of eligible school employees may become members.
Cost to join
- A $5.00 membership fee is required to open an account and become a member.
- A minimum deposit of $25.00 into shares is required to open an account and become a member.
Membership information collected October 5, 2026.