Credit union · NCUA insured
One South Federal Credit Union Savings Rates
One South Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Savings Accounts. Rates checked October 22, 2026.
How One South Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Natchez, MS-LA, where One South Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
One South Federal Credit Union
0.10%APY
- Minimum
- $25
- Earns on $10,000 a year
- $10
Savings Accounts
Top rate
Home Bank
3.04%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $304
2nd-highest rate
Concordia Bank & Trust Co.
0.50%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
One South Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 South 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.
Savings Accounts
0.10%APY
Quarterly service charge of $15 ($5 per month) waived if balance maintained over $100. Minimum balance to earn dividends is $500. Membership requires living, working, attending school or church in Concordia Parish, LA or Adams County, MS.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $3,499Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. | 0.10% | — | Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. |
| $3,500 – $6,499Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. | 0.10% | — | Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. |
| $6,500 – $9,999Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. | 0.10% | — | Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. |
| $10,000 and upDividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. | 0.10% | $10 | Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. |
Sources (3)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Accounts
0.20%APY
Regular and Roth IRAs available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to All IRA's (Regular and Roth IRAs). Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter.Any balance | 0.20% | $20 | Applies to All IRA's (Regular and Roth IRAs). Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. |
Christmas Club Accounts
0.00%APY
Club accounts mature the first week in October; no minimum requirements to contribute.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures the first week in October; no minimum requirements to contribute. Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter.Any balance | 0.00% | $0 | Matures the first week in October; no minimum requirements to contribute. Dividends (interest rates) are declared during the last monthly board meeting of each calendar quarter for that quarter. |
Who can join One South Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, attend school, or attend church in Concordia Parish, LA or Adams County, MS are eligible for membership.
Cost to join
- A $25 deposit is required to open a savings account.
Membership information collected October 4, 2026.