Credit union · NCUA insured
Orion Financial Savings Rates
Top CarrotOrion Financial’s best savings rate is 3.35% APY on $10,000, with its High Yield Savings. Rates checked October 15, 2026.
How Orion Financial’s savings rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Orion Financial has the most branches. $10,000, best rate first.
This credit union’s best
Orion Financial
3.35%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $335
High Yield Savings
Top rate
Leaders Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
Orion Financial savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0003.35%
- $100,000 balance$100,0003.75%
- QualifiedQualified3.35%
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 Orion 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.
Premium Money Market
3.75%APY
Earn dividends on balances over $100,000. No monthly service fee. $100,000 minimum deposit to open account and earn advertised APY. Rate is variable and subject to change at any time. Dividends are credited on the last day of each month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 and upApplies to balances over $100,000. Rate is variable and subject to change at any time.$100,000 and up | 3.75% | — | Applies to balances over $100,000. Rate is variable and subject to change at any time. |
High Yield Savings
3.35%APY
Requires a minimum balance of $5,000 to earn dividends. Variable rate. Direct deposit recommended to maximize earnings. No limit on monthly transactions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upMinimum balance of $5,000 to earn dividends. Variable rate.$5,000 and up | 3.35% | $335 | Minimum balance of $5,000 to earn dividends. Variable rate. |
Money Market Account
0.05%APY
Dividend Rate and APY apply to the entire balance when the daily balance falls in the corresponding range. Deposit rates are variable and subject to change after account opening. Dividends are compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Rate applies to entire balance when daily balance is between $0 and $9,999. | 0.01% | — | Rate applies to entire balance when daily balance is between $0 and $9,999. |
| $10,000 – $24,999Rate applies to entire balance when daily balance is between $10,000 and $24,999. | 0.05% | $5 | Rate applies to entire balance when daily balance is between $10,000 and $24,999. |
| $25,000 – $49,999Rate applies to entire balance when daily balance is between $25,000 and $49,999. | 0.10% | — | Rate applies to entire balance when daily balance is between $25,000 and $49,999. |
| $50,000 – $99,999Rate applies to entire balance when daily balance is between $50,000 and $99,999. | 0.20% | — | Rate applies to entire balance when daily balance is between $50,000 and $99,999. |
| $100,000 and upRate applies to entire balance when daily balance is $100,000 and over. | 0.25% | — | Rate applies to entire balance when daily balance is $100,000 and over. |
Sources (1)
- orionfcu.com/personal-banking/rates · captured Oct 5, 2026
Miscellaneous Share Account
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- orionfcu.com/personal-banking/rates · captured Sep 18, 2026
Savings Accounts
0.01%APY
Primary share account/standard savings. Dividends calculated by daily balance method and compounded/credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club Account
2.00%APY
Fee-free withdrawals from October 1 through December 31. A $5 fee applies to withdrawals made between January 1 and September 30. Any remaining balance as of November 15 is automatically transferred to another designated Orion Financial account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFee-free withdrawals October 1 - December 31; $5 fee per withdrawal January 1 - September 30. Remaining balance automatically transferred on November 15.Any balance | 2.00% | $200 | Fee-free withdrawals October 1 - December 31; $5 fee per withdrawal January 1 - September 30. Remaining balance automatically transferred on November 15. |
Sources (3)
- orionfcu.com/personal-account-disclosures
- orionfcu.com/personal-banking/savings
- orionfcu.com/personal-banking/savings/christmas-club
All captured Sep 18, 2026
Youth Savings
2.00%APY
Designed for ages 0–15 with joint account options with parental oversight. Minor is primary account holder with parent or guardian as joint owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn 2.00% APY on any balance. No monthly service fees or minimum balance required.Any balance | 2.00% | $200 | Earn 2.00% APY on any balance. No monthly service fees or minimum balance required. |
Sources (1)
- orionfcu.com/personal-banking/youth-banking · captured Sep 18, 2026
IRA Savings Accounts
0.01%APY
Available as Roth, Traditional, and Coverdell Education IRAs. No maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (2)
All captured Sep 18, 2026
Who can join Orion Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.