Credit union · NCUA insured
Options Credit Union Savings Rates
Top CarrotOptions Credit Union’s best savings rate is 1.20% APY on $10,000, with its High-Yield Options Account. Rates checked October 22, 2026.
How Options Credit Union’s savings rates compare
Compared with banks and credit unions near Denver, CO, where Options Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Options Credit Union
1.20%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $120
High-Yield Options Account
Top rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Solera
4.34%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $434
Options Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.20%
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 Options 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.
Simply Save
10.00%APY
Deposits can only be made to this account through the debit card round-up program. Compounds and pays monthly. No minimum balance required to open and earn. No withdrawal penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDeposits can only be made through the round up program. Compounds monthly. No minimum balance to open and earn. No withdrawal penalty.Any balance | 10.00% | $1,000 | Deposits can only be made through the round up program. Compounds monthly. No minimum balance to open and earn. No withdrawal penalty. |
Sources (2)
All captured Oct 22, 2026
High-Yield Options Account
1.20%APY
Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. This account is limited to a maximum account balance of $250,000. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $10,000Tier 1. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. | 1.00% | — | Tier 1. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. |
| $10,000 – $25,000Tier 2. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. | 1.20% | $120 | Tier 2. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. |
| $25,000 – $45,000Tier 3. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. | 1.25% | — | Tier 3. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. |
| $45,000 – $100,000Tier 4. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. | 1.75% | — | Tier 4. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. |
| $100,000 – $250,000Tier 5. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. | 2.25% | — | Tier 5. Variable rate account, with a minimum balance of $5,000 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Options accounts will be imposed a fee if more than one (1) withdrawal or transfer occurs per month. Limited to a maximum account balance of $250,000. |
Sources (3)
- optionscreditunion.com/account-options
- optionscreditunion.com/post/hi…t-earn-more-effortlessly
- optionscreditunion.com/deposit-rates
All captured Oct 22, 2026
High-Yield Options Account
1.20%APY
Variable rate account. Minimum balance of $5,000 required to open and earn; APY will be 0% if balance falls below $5,000. Maximum account balance is $250,000. One fee-free withdrawal or transfer allowed per month; fee applies if more than one withdrawal or transfer occurs per month. Compounds monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $10,000Tier 1 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. One withdrawal/transfer per month without fee. | 1.00% | — | Tier 1 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. One withdrawal/transfer per month without fee. |
| $10,000 – $25,000Tier 2 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. One withdrawal/transfer per month without fee. | 1.20% | $120 | Tier 2 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. One withdrawal/transfer per month without fee. |
| $25,000 – $45,000Tier 3 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. One withdrawal/transfer per month without fee. | 1.25% | — | Tier 3 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. One withdrawal/transfer per month without fee. |
| $45,000 – $100,000Tier 4 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. One withdrawal/transfer per month without fee. | 1.75% | — | Tier 4 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. One withdrawal/transfer per month without fee. |
| $100,000 – $250,000Tier 5 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. Maximum balance cap is $250,000. One withdrawal/transfer per month without fee. | 2.25% | — | Tier 5 rate. Minimum balance to open and earn is $5,000. APY is 0% if balance falls below $5,000. Maximum balance cap is $250,000. One withdrawal/transfer per month without fee. |
Money Market Accounts
0.05%APY
Variable rate account, with a minimum balance of $2,500 required to open and earn. If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Fees may reduce earnings. Unlimited withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $15,000If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Fees may reduce earnings. | 0.05% | $5 | If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Fees may reduce earnings. |
| $15,000 – $50,000If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Fees may reduce earnings. | 0.15% | — | If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Fees may reduce earnings. |
| $50,000 and upIf the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Fees may reduce earnings. | 0.25% | — | If the account falls below the minimum balance requirement the APY will be 0%. Compounds monthly. Fees may reduce earnings. |
Sources (1)
- optionscreditunion.com/deposit-rates · captured Oct 22, 2026
Membership Shares
0.03%APY
Standard account option with no monthly fee. Compounded quarterly. We reserve the right to require not less than seven, and up to sixty days, notice in advance of an early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum balance to earn stated APY. Compounded quarterly. No monthly fee.$5 and up | 0.03% | $3 | $5 minimum balance to earn stated APY. Compounded quarterly. No monthly fee. |
Sources (2)
All captured Oct 22, 2026
Sub Accounts
0.01%APY
Standard account option with no monthly fee. Compounded quarterly. We reserve the right to require not less than seven, and up to sixty days, notice in advance of an early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$0 minimum balance to earn stated APY. Compounded quarterly. No monthly fee.Any balance | 0.01% | $1 | $0 minimum balance to earn stated APY. Compounded quarterly. No monthly fee. |
Sources (2)
All captured Oct 22, 2026
Who can join Options Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of the Colorado Bar Association are eligible for membership.
- Members and employees of the Denver Bar Association are eligible for membership.
- Members and employees of GoWest Friends of the Foundation are eligible for membership.
- Members and employees of the Rocky Mountain Paralegal Association are eligible for membership.
Other ways
- Individuals not currently a member of a partner association can join Friends of the Foundation online and become eligible for membership if they reside in Colorado.
Membership information collected October 4, 2026.