Credit union · NCUA insured
One Source Federal Credit Union Savings Rates
One Source Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How One Source Federal Credit Union’s savings rates compare
Compared with banks and credit unions near El Paso, TX, where One Source Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
One Source Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
One Source Federal Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.31%
- QualifiedQualified1.00%
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 One Source 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.
Money Market Account
1.00%APY
No account service fee. Maintaining at least $2,000 account balance pays higher dividend rates. Interest is paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $4,999Terms are 30 - 31 Days. Interest is paid monthly. | 0.80% | — | Terms are 30 - 31 Days. Interest is paid monthly. |
| $5,000 – $9,999Terms are 30 - 31 Days. Interest is paid monthly. | 0.90% | — | Terms are 30 - 31 Days. Interest is paid monthly. |
| $10,000 – $24,999Terms are 30 - 31 Days. Interest is paid monthly. | 1.00% | $100 | Terms are 30 - 31 Days. Interest is paid monthly. |
| $25,000 – $49,999Terms are 30 - 31 Days. Interest is paid monthly. | 1.11% | — | Terms are 30 - 31 Days. Interest is paid monthly. |
| $50,000 – $99,999Terms are 30 - 31 Days. Interest is paid monthly. | 1.21% | — | Terms are 30 - 31 Days. Interest is paid monthly. |
| $100,000 and upTerms are 30 - 31 Days. Interest is paid monthly. | 1.31% | — | Terms are 30 - 31 Days. Interest is paid monthly. |
Sources (2)
All captured Oct 6, 2026
Savings Account
0.05%APY
Minimum deposit required to open a savings account is $10, plus a $2 non-refundable new account / membership fee going to El Pasoans Fighting Hunger Food Bank. Dividends are paid quarterly. Allows borrowing against available balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026.Any balance | 0.05% | $5 | Dividends paid quarterly. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club
0.80%APY
Must have a One Source savings account. Cannot withdraw without withdrawing the entire amount; early withdrawal fee of $10 per withdrawal. Balance automatically deposited into savings or checking account on November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Balance disbursed November 1st. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026.Any balance | 0.80% | $80 | Dividends paid quarterly. Balance disbursed November 1st. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026. |
Sources (2)
All captured Oct 6, 2026
Vacation Club
0.80%APY
Must have a One Source savings account. Cannot withdraw without withdrawing the entire amount; early withdrawal fee of $10 per withdrawal. Balance automatically deposited into savings or checking account on June 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Balance disbursed June 1st. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026.Any balance | 0.80% | $80 | Dividends paid quarterly. Balance disbursed June 1st. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026. |
Sources (2)
All captured Oct 6, 2026
Individual Retirement Accounts (IRAs)
0.25%APY
Includes Traditional and Roth IRAs. Roth IRA allows post-tax contributions up to $2,000 for single filers earning under $95,000 or married couples earning under $150,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Includes Traditional and Roth IRAs. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026.Any balance | 0.25% | $25 | Dividends paid quarterly. Includes Traditional and Roth IRAs. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026. |
Sources (2)
All captured Oct 6, 2026
Stash & Cash Teen Account
0.05%APY
For teens ages 11 to 17. Minimum amount to maintain account open is $10 with a $2 membership fee going to El Pasoans Fighting Hunger Food Bank. Receives $12 deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026.Any balance | 0.05% | $5 | Dividends paid quarterly. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026. |
Sources (2)
All captured Oct 6, 2026
Super Source Kids Club
0.05%APY
For children ages 0 to 10. No minimum dollar amount required to open this account for your kids, just the $2 membership fee that will go directly to the El Pasoans Fighting Hunger Food Bank!
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026.Any balance | 0.05% | $5 | Dividends paid quarterly. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026. |
Sources (2)
All captured Oct 6, 2026
Youth Savings Account
0.05%APY
For kids and teens ages 17 and under. Parent or guardian required as joint account holder. No monthly service fee. Make deposits, withdrawals or transfers at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026.Any balance | 0.05% | $5 | Dividends paid quarterly. Rates and APYs accurate as of declaration date 09/24/2026, effective for the quarter ending 12/31/2026. |
Sources (2)
All captured Oct 6, 2026
Who can join One Source Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.