Credit union · NCUA insured
OAS Federal Credit Union Savings Rates
OAS Federal Credit Union’s best savings rate is 3.05% APY on $10,000, with its Share Certificate. Rates checked October 22, 2026.
How OAS Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where OAS Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OAS Federal Credit Union
3.05%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $305
Share Certificate
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
OAS Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.05%
- $10,000 balance$10,0003.05%
- $100,000 balance$100,0003.05%
- QualifiedQualified3.05%
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 OAS 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.
Share Certificate
Up to 3.05%APY · 2 terms
Regular share certificates available with fixed terms from 6 months to 60 months. Minimum deposit and balance to earn APY ranges from $500 to $100,000 depending on term and jumbo tier. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 month term; dividend rate and APY shown | 2.79% | $139 |
| 12 months12 month term; dividend rate and APY shown | 3.05% | $305 |
Sources (1)
- oasfcu.org/media/tbyavp4t/oas-…th-in-savings_040126.pdf · captured Oct 15, 2026
RoundUp Savings
0.10%APY
Enrolls and links to OAS FCU Debit Card and Share Draft Checking Account. Each debit card purchase automatically rounds up to the nearest dollar (or $5, $10) and spare change transfers to RoundUp Savings at the end of each day. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No minimum balance to open; must maintain daily balance of at least $0.01 on the last day of each quarter to earn disclosed APY. If account is closed before dividends are credited, accrued dividends will not be received.Over $0 | 0.10% | $10 | No minimum balance to open; must maintain daily balance of at least $0.01 on the last day of each quarter to earn disclosed APY. If account is closed before dividends are credited, accrued dividends will not be received. |
Share Savings
0.10%APY
Must purchase and maintain a $5 member share in the Credit Union to become a member-owner and maintain membership. No monthly fees. Dividends are declared quarterly by the Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a minimum daily balance of $5 in this account each day to obtain the disclosed APY. If account is closed before dividends are credited, accrued dividends will not be received.$5 and up | 0.10% | $10 | Must maintain a minimum daily balance of $5 in this account each day to obtain the disclosed APY. If account is closed before dividends are credited, accrued dividends will not be received. |
Special-purpose accounts
Holiday Club Account
0.35%APY · 1 term
No monthly service fees. Maximum deposit limit of $1,000 per month. Funds plus dividends automatically transfer to Share Savings on the maturity date (second Friday of November). Early withdrawals incur a penalty equal to that quarter's dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMonthly deposits up to $1,000. No minimum opening deposit; must maintain daily balance of at least $0.01 on the last day of each quarter to earn APY. Dividends compounded daily and credited quarterly. Accrued dividends for the quarter are forfeited if account is closed before crediting | 0.35% | $35 |
Tax Club Account
0.35%APY · 1 term
No monthly service fees. No deposit limits or early withdrawal penalty. Funds remain in account until a written request for disbursement is submitted.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMonthly deposits with no transaction limits. No minimum balance to open; must maintain daily balance of at least $0.01 on the last day of each quarter to earn APY. Dividends compounded daily and credited quarterly. Accrued dividends for the quarter are forfeited if account is closed before crediting | 0.35% | $35 |
Traditional IRA
0.35%APY
Available to U.S. citizens or legal residents with a valid Social Security Number. Offers tax-deferred growth and potential tax deductions. Early withdrawals may be penalized.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum deposit to open is $0; minimum balance of $2,500 required to earn stated APY/dividend rate.$2,500 and up | 0.35% | $35 | Minimum deposit to open is $0; minimum balance of $2,500 required to earn stated APY/dividend rate. |
Vacation Club Account
0.35%APY · 1 term
No monthly service fees. Maximum deposit limit of $1,000 per month. Funds plus dividends automatically transfer to Share Savings on the maturity date (second Friday of May). Early withdrawals incur a penalty equal to that quarter's dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMonthly deposits up to $1,000. No minimum opening deposit; must maintain daily balance of at least $0.01 on the last day of each quarter to earn APY. Dividends compounded daily and credited quarterly. Accrued dividends for the quarter are forfeited if account is closed before crediting | 0.35% | $35 |
Closed to new customers
Money Market Club Account
0.35%APY
Dividends are compounded daily and credited quarterly. No minimum balance requirement to open; must maintain a daily balance of at least one cent ($0.01) on the last day of each quarter to earn the disclosed APY. No new deposits are permitted (only withdrawals). No withdrawal penalties; account closes when balance reaches $0. No maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Prospective dividend rate of 0.35% (0.35% APY) for the quarter starting April 1, 2026 (declared rate for quarter ending March 31, 2026 was 0.35% dividend rate, 0.35% APY), determined quarterly by the Board of Directors. Dividends compounded daily and credited quarterly; if account is closed before dividends are credited, accrued dividends will not be received. Must maintain the daily balance of at least one cent on the last day of each quarter to earn the disclosed APY. No new deposits permitted.Over $0 | 0.35% | $35 | Prospective dividend rate of 0.35% (0.35% APY) for the quarter starting April 1, 2026 (declared rate for quarter ending March 31, 2026 was 0.35% dividend rate, 0.35% APY), determined quarterly by the Board of Directors. Dividends compounded daily and credited quarterly; if account is closed before dividends are credited, accrued dividends will not be received. Must maintain the daily balance of at least one cent on the last day of each quarter to earn the disclosed APY. No new deposits permitted. |
Sources (1)
- oasfcu.org/media/tbyavp4t/oas-…th-in-savings_040126.pdf · captured Oct 15, 2026
Who can join OAS Federal Credit Union
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