Credit union · NCUA insured
On The Grid Financial Savings Rates
On The Grid Financial’s best savings rate is 0.85% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How On The Grid Financial’s savings rates compare
Compared with banks and credit unions near Atlanta, GA, where On The Grid Financial has the most branches. $10,000, best rate first.
This credit union’s best
On The Grid Financial
0.85%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $85
Money Market Account
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
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
On The Grid Financial savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.85%
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 On The Grid Financial 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 Account
0.85%APY
Requires a $10 Membership Account and membership eligibility. Interest/dividends compounded and credited monthly on daily balance. A $10.00 monthly fee applies if the minimum daily balance of $2,500.00 is not maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Monthly fee of $10.00 waived with minimum balance of $2,500.00; dividends calculated monthly on daily balance. | 0.75% | — | Monthly fee of $10.00 waived with minimum balance of $2,500.00; dividends calculated monthly on daily balance. |
| $10,000 – $25,000Monthly fee of $10.00 waived with minimum balance of $2,500.00; dividends calculated monthly on daily balance. | 0.85% | $85 | Monthly fee of $10.00 waived with minimum balance of $2,500.00; dividends calculated monthly on daily balance. |
| $25,000 – $100,000Monthly fee of $10.00 waived with minimum balance of $2,500.00; dividends calculated monthly on daily balance. | 0.95% | — | Monthly fee of $10.00 waived with minimum balance of $2,500.00; dividends calculated monthly on daily balance. |
| $100,000 and upMonthly fee of $10.00 waived with minimum balance of $2,500.00; dividends calculated monthly on daily balance. | 1.00% | — | Monthly fee of $10.00 waived with minimum balance of $2,500.00; dividends calculated monthly on daily balance. |
Regular Share Savings
0.15%APY
Membership eligibility is required. Requires a $10.00 Membership Account / Par Value of Membership Share. Dividends compounded and credited quarterly. Excess withdrawal fee $5.00 each for more than 3 withdrawals during calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upPaid quarterly on daily balances of $200.00 or more.$200 and up | 0.15% | $15 | Paid quarterly on daily balances of $200.00 or more. |
Special-purpose accounts
Accumulative IRA
1.50%APY
Can be opened as Traditional or Roth IRA; rollover from 401(k) permitted. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly on daily balance.Any balance | 1.50% | $150 | Quarterly on daily balance. |
Sources (3)
- cuonthegrid.com/checking-savings/iras
- cuonthegrid.com/rates/checking-saving-rates
- cuonthegrid.com/wp-content/upl…ee_Schedule-09.16.26.pdf
All captured Oct 22, 2026
Young Savers Account
1.50%APY
Available to members from birth through 25 years of age. Dividends compounded and credited monthly. Excess withdrawal fee $5.00 each for more than 1 withdrawal per calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upPaid monthly on daily balances of $100.00 or more.$100 and up | 1.50% | $150 | Paid monthly on daily balances of $100.00 or more. |
Sources (3)
- cuonthegrid.com/checking-savings/young-savers
- cuonthegrid.com/rates/checking-saving-rates
- cuonthegrid.com/wp-content/upl…ee_Schedule-09.16.26.pdf
All captured Oct 22, 2026
Young Savers Accumulative Education Account
1.50%APY
Accumulative education savings account. Dividends compounded and credited quarterly on daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly on daily balance.Any balance | 1.50% | $150 | Quarterly on daily balance. |
Sources (2)
All captured Oct 22, 2026
Christmas Club Savings
0.15%APY
Plan period begins around 11/11 through 11/10 each calendar year. Deposits allowed any time during plan year. All funds dispersed around 11/10 to Primary Share Account and account remains open. Dividends compounded and credited monthly. Excess withdrawal fee $5.00 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upPaid monthly on daily balances of $50.00 or more.$50 and up | 0.15% | $15 | Paid monthly on daily balances of $50.00 or more. |
Sources (3)
- cuonthegrid.com/checking-savings/club-accounts
- cuonthegrid.com/rates/checking-saving-rates
- cuonthegrid.com/wp-content/upl…ee_Schedule-09.16.26.pdf
All captured Oct 22, 2026
Vacation Club Savings
0.15%APY
One withdrawal per calendar quarter allowed with no fee; funds dispersed at member's request. Dividends compounded and credited monthly. Excess withdrawal fee $5.00 each.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upPaid monthly on daily balances of $50.00 or more.$50 and up | 0.15% | $15 | Paid monthly on daily balances of $50.00 or more. |
Sources (3)
- cuonthegrid.com/checking-savings/club-accounts
- cuonthegrid.com/rates/checking-saving-rates
- cuonthegrid.com/wp-content/upl…ee_Schedule-09.16.26.pdf
All captured Oct 22, 2026
Who can join On The Grid Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- People within the electric utilities industry in Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, or Virginia are eligible for membership.
- Persons retired as pensioners or annuitants from the electric utilities industry in eligible states are eligible for membership.
- Employees or members of eligible Select Employee Groups qualify for membership.
Family and household
- Members of immediate family or household of eligible electric utilities industry persons/retirees qualify for membership.
- Spouses of persons who passed away while within the credit union's field of membership qualify for membership.
Other ways
- Organizations of eligible persons qualify for membership.
Membership information collected October 4, 2026.