Credit union · NCUA insured
OU Federal Credit Union Savings Rates
OU Federal Credit Union’s best savings rate is 3.66% APY on $10,000, with its Champion Savings. Rates checked October 15, 2026.
How OU Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Oklahoma City, OK, where OU Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OU Federal Credit Union
3.66%APY
- Earns on $10,000 a year
- $366
Champion Savings
Top rate
MidFirst Bank
4.00%APY
- Earns on $10,000 a year
- $400
2nd-highest rate
Communication Federal Credit Union
3.75%APY
- Earns on $10,000 a year
- $375
OU Federal Credit Union savings score
96
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0001.97%
- $10,000 balance$10,0003.66%
- $100,000 balance$100,0003.66%
- QualifiedQualified3.66%
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 OU 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.
Champion Savings
3.66%APY
Allows six (6) withdrawals or transfers to another account per month; $5 fee assessed for each withdrawal in excess of six per month. No minimum opening deposit and no minimum amount to maintain account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier applies to balances $0-$5,000. Maximum 6 withdrawals monthly without penalty. | 0.10% | — | Tier applies to balances $0-$5,000. Maximum 6 withdrawals monthly without penalty. |
| $5,000 and upTier applies to balances $5,000+. Maximum 6 withdrawals monthly without penalty. | 3.66% | $366 | Tier applies to balances $5,000+. Maximum 6 withdrawals monthly without penalty. |
Sources (2)
All captured Oct 5, 2026
Money Market Account
1.36%APY
Must purchase one share ($5.00 par value) to be a member and maintain accounts. Dividends compounded and credited monthly. Allows 6 withdrawals/transfers per month (max 3 by check/draft/electronic order to third parties); $15 fee for each excess withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Tier applies to $0 - less than $2,000 | 1.97% | — | Tier applies to $0 - less than $2,000 |
| $2,000 – $4,000Tier applies to $2,000.01 - less than $4,000 | 1.71% | — | Tier applies to $2,000.01 - less than $4,000 |
| $4,000 – $6,000Tier applies to $4,000.01 - less than $6,000 | 1.66% | — | Tier applies to $4,000.01 - less than $6,000 |
| $6,000 – $25,000Tier applies to $6,000.01 - less than $25,000 | 1.36% | $136 | Tier applies to $6,000.01 - less than $25,000 |
| $25,000 – $50,000Tier applies to $25,000.01 - less than $50,000 | 1.76% | — | Tier applies to $25,000.01 - less than $50,000 |
| $50,000 – $100,000Tier applies to $50,000.01 - less than $100,000 | 2.27% | — | Tier applies to $50,000.01 - less than $100,000 |
| Over $100,000Tier applies to $100,000.01 and greater | 2.79% | — | Tier applies to $100,000.01 and greater |
Sources (3)
- oufcu.com/wp-content/uploads/TIS-12_2025.pdf
- oufcu.com/wp-content/uploads/D…sit-Rates-09_17_2026.pdf
- oufcu.com/savings
All captured Sep 18, 2026
Share Savings
0.10%APY
Must purchase one share in the credit union ($5.00 par value) to be a member and maintain accounts. Open and maintain a Regular Share Savings account with a minimum balance of $5.00 as a condition of membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited monthly; minimum average daily balance required to maintain account and receive disclosed dividend yield is $5.00.$5 and up | 0.10% | $10 | Dividends compounded and credited monthly; minimum average daily balance required to maintain account and receive disclosed dividend yield is $5.00. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Entire balance will be transferred to another account of yours on or after November 1 and the account will remain open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. No minimum opening deposit and no minimum amount to maintain account to receive stated dividend.Any balance | 0.10% | $10 | Dividends compounded and credited monthly. No minimum opening deposit and no minimum amount to maintain account to receive stated dividend. |
Sources (2)
All captured Oct 5, 2026
Lil Boomer Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceChildren are eligible to open these accounts from birth to 12 years old. A US Social Security card is required.Any balance | 0.10% | $10 | Children are eligible to open these accounts from birth to 12 years old. A US Social Security card is required. |
Sources (3)
- oufcu.com/wp-content/uploads/TIS-12_2025.pdf
- oufcu.com/wp-content/uploads/D…sit-Rates-09_17_2026.pdf
- oufcu.com/savings/lil-boomer
All captured Oct 5, 2026
Sooner Teen Savings
0.10%APY
Open to individuals between ages 13-17. Account must be tied to a parent's account; primary members under age 18 must have an adult family member who is an existing credit union member be joint on the account. US Social Security card required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. No minimum opening deposit and no minimum amount to maintain account to receive stated dividend.Any balance | 0.10% | $10 | Dividends compounded and credited monthly. No minimum opening deposit and no minimum amount to maintain account to receive stated dividend. |
Sources (3)
- oufcu.com/wp-content/uploads/TIS-12_2025.pdf
- oufcu.com/wp-content/uploads/D…sit-Rates-09_17_2026.pdf
- oufcu.com/savings/sooner-teen-club
All captured Oct 5, 2026
Closed to new customers
Silver Schooner Club Savings
0.10%APY
As of April 1, 2014, new Silver Schooner share accounts are no longer available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. No minimum amount to maintain account to receive stated dividend.Any balance | 0.10% | $10 | Dividends compounded and credited monthly. No minimum amount to maintain account to receive stated dividend. |
Sources (2)
All captured Oct 5, 2026
Who can join OU Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Directors, officers, employees, and volunteers of the credit union are eligible for membership.
- Paid members of the Financial Cents Literacy Club are eligible for membership.
- Paid members of the University of Oklahoma Alumni Association in Norman, Oklahoma are eligible for membership.
Military, government and schools
- Employees of the Oklahoma Geological Survey who work in Norman, Oklahoma are eligible for membership.
- Employees of the University of Oklahoma who work at any of its campuses in Norman, Oklahoma City, Tulsa, or at Cameron University in Lawton, Oklahoma are eligible for membership.
- Graduate, senior, junior, sophomore, and freshman students of the University of Oklahoma are eligible for membership.
6 more ways to join
Military, government and schools
- Federal employees of the Oklahoma Postal Training Operation who work in Norman, Oklahoma are eligible for membership.
- Military personnel assigned to the Air Force ROTC, Army ROTC, or Naval ROTC at the University of Oklahoma in Norman, Oklahoma are eligible for membership.
Family and household
- Members of the immediate families of eligible persons are eligible for membership.
- Spouses of persons who were deceased while within the field of membership of the credit union are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Persons retired as pensioners and/or annuitants from eligible employment or service are eligible for membership.
Membership information collected October 4, 2026.