Credit union · NCUA insured
Old West FCU Savings Rates
Old West FCU’s best savings rate is 0.30% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Old West FCU’s savings rates compare
Compared with banks and credit unions near Hermiston, OR, where Old West FCU has the most branches. $10,000, best rate first.
This credit union’s best
Old West FCU
2.02%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $202
Free Kasasa Saver
Top rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
STCU
2.79%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $279
Old West FCU savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified2.02%
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 Old West FCU 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.
Free Kasasa Saver
Up to 2.02%APY
Linked to free Kasasa Cash or Kasasa Cash Back account. To qualify for reward rates, complete at least 12 debit card purchases post/settle, be enrolled in e-statements, and have at least 1 direct deposit, automatic payment (ACH), or bill pay transaction post/settle per monthly qualification cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifications met in linked Kasasa checking account (12 debit card purchases, e-statements, 1 direct deposit/ACH/bill pay). | 2.02% | $202 | Qualifications met in linked Kasasa checking account (12 debit card purchases, e-statements, 1 direct deposit/ACH/bill pay). |
| Any balanceWhen qualifications are not met in linked Kasasa checking account. | 0.02% | $2 | When qualifications are not met in linked Kasasa checking account. |
| $25,000 and upQualifications met in linked Kasasa checking account; applies to portion of balance over $25,000 (resulting in an APY range from 0.60% to 2.02% depending on balance). | 0.25% | — | Qualifications met in linked Kasasa checking account; applies to portion of balance over $25,000 (resulting in an APY range from 0.60% to 2.02% depending on balance). |
Sources (3)
- oldwestfcu.org/rates.html
- oldwestfcu.org/accounts/savings
- oldwestfcu.org/accounts/savings/free-kasasa-saver.html
All captured Sep 15, 2026
Money Market Account
0.30%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLimit of 6 free electronic transfers or checks per month; unlimited in-person withdrawals.Any balance | 0.30% | $30 | Limit of 6 free electronic transfers or checks per month; unlimited in-person withdrawals. |
Sources (3)
- oldwestfcu.org/accounts/saving…oney-market-account.html
- oldwestfcu.org/rates.html
- oldwestfcu.org/accounts/savings
All captured Sep 15, 2026
Special-purpose accounts
Coverdell Education Savings Account (CESA)
3.04%APY
Designated beneficiary must be under 18 when contributions are made. $2,000 maximum annual contribution per child. Penalty for early withdrawal may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePenalty for early withdrawal may apply. Tax and penalty apply to earnings if not used for qualified education expenses or if not withdrawn by age 30.Any balance | 3.04% | $304 | Penalty for early withdrawal may apply. Tax and penalty apply to earnings if not used for qualified education expenses or if not withdrawn by age 30. |
Sources (3)
- oldwestfcu.org/accounts/saving…avings-account-cesa.html
- oldwestfcu.org/rates.html
- oldwestfcu.org/accounts/savings
All captured Sep 15, 2026
Individual Retirement Accounts (IRAs)
3.04%APY
Includes Traditional, Roth, and SEP IRA options. Penalty for early withdrawal may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePenalty for early withdrawal may apply.Any balance | 3.04% | $304 | Penalty for early withdrawal may apply. |
Sources (3)
- oldwestfcu.org/rates.html
- oldwestfcu.org/accounts/savings
- oldwestfcu.org/accounts/saving…ement-accounts-iras.html
All captured Sep 15, 2026
Christmas Club Savings
0.15%APY
Balances over $5,000 do not earn interest. In order to accrue dividends, a monthly deposit of at least $5.00 must be made prior to the end of each dividend period. Maximum of one withdrawal per month permitted. Funds automatically transferred into an Old West FCU account on November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Must make a monthly deposit of at least $5.00 prior to end of dividend period to accrue dividends. Max one withdrawal per month.Up to $5,000 | 0.15% | — | Must make a monthly deposit of at least $5.00 prior to end of dividend period to accrue dividends. Max one withdrawal per month. |
Sources (3)
- oldwestfcu.org/rates.html
- oldwestfcu.org/accounts/savings
- oldwestfcu.org/accounts/saving…istmas-club-savings.html
All captured Sep 15, 2026
Personal Savings
0.02%APY
$25 minimum balance requirement ($5 for members under 18 years of age). Limit 6 electronic transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.02% | $2 |
Sources (3)
- oldwestfcu.org/accounts/savings/personal-savings.html
- oldwestfcu.org/rates.html
- oldwestfcu.org/accounts/savings
All captured Sep 15, 2026
Who can join Old West FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, owns property, or worships in Morrow, Umatilla, Union, Wallowa, Wheeler, Grant, Baker, or Harney counties.
Family and household
- Membership is open to anyone who has an immediate family member residing in Morrow, Umatilla, Union, Wallowa, Wheeler, Grant, Baker, or Harney counties.
Cost to join
- Establish membership by opening a personal savings account with a minimum deposit of $5.
Membership information collected October 4, 2026.