Credit union · NCUA insured
Ocala Community Credit Union Savings Rates
Ocala Community Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Accounts. Rates checked October 15, 2026.
How Ocala Community Credit Union’s savings rates compare
Compared with banks and credit unions near Ocala, FL, where Ocala Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ocala Community Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Accounts
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Gala Bank
2.58%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $258
Ocala Community Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.70%
- 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 Ocala Community 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.
Money Market Accounts
0.50%APY
The rate is established monthly on the 1st of each month. Unlimited personal withdrawals, limit of 6 telephone or Internet transfers per month with minimum transfer $500, and no more than 3 transfers may be made by check. Monthly service charge of $15.00 applies if daily minimum balance of $2,500 is not maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,499Rate established monthly on the 1st of each month. Monthly service charge waived if daily balance of $2,500 maintained (otherwise $15.00). Limit of 6 telephone/Internet transfers per month (min $500 transfer) and max 3 by check. | 0.20% | — | Rate established monthly on the 1st of each month. Monthly service charge waived if daily balance of $2,500 maintained (otherwise $15.00). Limit of 6 telephone/Internet transfers per month (min $500 transfer) and max 3 by check. |
| $2,500 – $10,000Rate established monthly on the 1st of each month. No monthly service charge when maintaining $2,500 daily minimum balance. | 0.40% | — | Rate established monthly on the 1st of each month. No monthly service charge when maintaining $2,500 daily minimum balance. |
| $10,000 – $25,000Rate established monthly on the 1st of each month. No monthly service charge when maintaining $2,500 daily minimum balance. | 0.50% | $50 | Rate established monthly on the 1st of each month. No monthly service charge when maintaining $2,500 daily minimum balance. |
| $25,000 – $50,000Rate established monthly on the 1st of each month. No monthly service charge when maintaining $2,500 daily minimum balance. | 0.60% | — | Rate established monthly on the 1st of each month. No monthly service charge when maintaining $2,500 daily minimum balance. |
| $50,000 and upRate established monthly on the 1st of each month. No monthly service charge when maintaining $2,500 daily minimum balance. | 0.70% | — | Rate established monthly on the 1st of each month. No monthly service charge when maintaining $2,500 daily minimum balance. |
Sources (1)
- ocalacommunitycu.com/rate-information · captured Sep 18, 2026
Savings Account
0.30%APY
Core membership account; requires maintaining a $5.00 balance at all times to remain a member in good standing. Accrues daily, compounded quarterly. Limit of 6 transfers/withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividend rate (A.P.R.) is 0.30% with 0.30% A.P.Y. Requires maintaining a $5.00 minimum balance.$5 and up | 0.30% | $30 | Dividend rate (A.P.R.) is 0.30% with 0.30% A.P.Y. Requires maintaining a $5.00 minimum balance. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Savings
3.80%APY
Available as Traditional IRA, ROTH IRA, Coverdell (Education) IRA, or SEP IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate (A.P.R.) 3.75%, APY 3.80%.Any balance | 3.80% | $380 | Dividend rate (A.P.R.) 3.75%, APY 3.80%. |
Sources (2)
All captured Sep 18, 2026
Christmas Club
0.30%APY
No minimum balance requirements. Dividends compounded and paid quarterly. Funds paid/transferred first week in October each year to savings or checking. Withdrawals not allowed; if closed, cannot reopen until October of following year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate (A.P.R.) 0.30%, APY 0.30%. No minimum balance required. Payout occurs the first week in October.Any balance | 0.30% | $30 | Dividend rate (A.P.R.) 0.30%, APY 0.30%. No minimum balance required. Payout occurs the first week in October. |
Sources (2)
All captured Sep 18, 2026
HSA
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate (A.P.R.) 0.10%, APY 0.10%.Any balance | 0.10% | $10 | Dividend rate (A.P.R.) 0.10%, APY 0.10%. |
Sources (1)
- ocalacommunitycu.com/rate-information · captured Sep 18, 2026
Who can join Ocala Community 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, or attend school in, and businesses and other legal entities located within Marion County, Florida are eligible for membership.
Family and household
- Immediate family members (parents, children, spouses or surviving spouses, or any other relative by blood, marriage, or adoption) and domestic partners of eligible persons are eligible for membership.
Cost to join
- Pay a $3.00 membership fee upon joining.
- Deposit $5.00 into a Share Savings account (representing one share) which remains on deposit as long as you are a member.
Membership information collected October 5, 2026.