Credit union · NCUA insured
OUCU Financial Savings Rates
OUCU Financial’s best savings rate is 0.50% APY on $10,000, with its Money Max Savings. Rates checked October 16, 2026.
How OUCU Financial’s savings rates compare
Compared with banks and credit unions near Columbus, OH, where OUCU Financial has the most branches. $10,000, best rate first.
This credit union’s best
OUCU Financial
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Max Savings
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
OUCU Financial savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.85%
- QualifiedQualified0.50%
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 OUCU 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.
Money Max Savings
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Compounded monthly. | 0.50% | $50 | Compounded monthly. |
| $50,000 – $99,999Compounded monthly. | 0.70% | — | Compounded monthly. |
| $100,000 – $249,999Compounded monthly. | 0.85% | — | Compounded monthly. |
| $250,000 and upCompounded monthly. | 1.00% | — | Compounded monthly. |
Sources (1)
- oucu.org/rates · captured Oct 16, 2026
Money Max Savings Account
0.50%APY
Tiered savings account. Dividends compounded and credited monthly. No monthly service fee. Unlimited access to funds.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Dividends compounded and credited monthly. | 0.50% | $50 | Dividends compounded and credited monthly. |
| $50,000 – $99,999Dividends compounded and credited monthly. | 0.70% | — | Dividends compounded and credited monthly. |
| $100,000 – $249,999Dividends compounded and credited monthly. | 0.85% | — | Dividends compounded and credited monthly. |
| $250,000 and upDividends compounded and credited monthly. | 1.00% | — | Dividends compounded and credited monthly. |
Regular Share Savings
0.05%APY
Required for OUCU membership ($5 share maintains membership). Dividends compounded and credited quarterly. No monthly service fee. Unlimited withdrawals and transfers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Minimum to earn APY is $0.00.Any balance | 0.05% | $5 | Dividends compounded and credited quarterly. Minimum to earn APY is $0.00. |
Special-purpose accounts
IRA High Yield Savings
0.55%APY
Available in Traditional or Roth. No monthly fee or minimum deposit. Unlimited withdrawals and deposits up to IRS limits. Compounded and credited monthly. No term restrictions. Must meet IRA eligibility requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Compounded and credited monthly. | 0.55% | $55 | Compounded and credited monthly. |
| $25,000 and upCompounded and credited monthly. | 4.00% | — | Compounded and credited monthly. |
Sources (2)
All captured Oct 6, 2026
Coverdell Education Savings Account
0.10%APY
Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly. Minimum to earn APY is $0.00.Any balance | 0.10% | $10 | Dividends compounded quarterly. Minimum to earn APY is $0.00. |
Sources (1)
- oucu.org/rates · captured Oct 6, 2026
IRA Passbook Savings
0.10%APY
Traditional and Roth IRA Passbook accounts available. Dividends compounded and credited quarterly. Must meet IRA eligibility requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounding quarterly. Minimum to earn APY is $0.00.Any balance | 0.10% | $10 | Compounding quarterly. Minimum to earn APY is $0.00. |
Sources (2)
All captured Oct 6, 2026
Specialty Savings - Christmas Club
0.05%APY
Save in advance for holiday celebrations. $5 minimum balance required. No monthly maintenance fee. Compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 minimum balance required. Compounded quarterly. Minimum to earn APY is $0.00.Any balance | 0.05% | $5 | $5 minimum balance required. Compounded quarterly. Minimum to earn APY is $0.00. |
Specialty Savings - Vacation Club
0.05%APY
Save in advance for vacations. $5 minimum balance required. No monthly maintenance fee. Compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 minimum balance required. Compounded quarterly. Minimum to earn APY is $0.00.Any balance | 0.05% | $5 | $5 minimum balance required. Compounded quarterly. Minimum to earn APY is $0.00. |
Who can join OUCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Ohio residents outside the primary counties qualify for membership by joining the American Consumer Council at no cost.
Where you live or work
- Individuals who live, work, worship, or attend school in Athens, Fairfield, Hocking, Meigs, Morgan, Perry, Vinton, or Washington County are eligible for membership.
Employers and groups
- Individuals belonging to one of the qualifying association groups qualify for membership.
- Employees working for a select partner company qualify for membership.
Military, government and schools
- Active and retired employees, students, or alumni of Ohio University or Hocking College are eligible for membership.
Family and household
- Individuals who have a family member eligible for membership qualify to join.
Cost to join
- Membership in the American Consumer Council is free with no cost to join.
Membership information collected October 5, 2026.