Credit union · NCUA insured
Owensboro Federal Credit Union Savings Rates
Owensboro Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How Owensboro Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Owensboro, KY, where Owensboro Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Owensboro Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market Accounts
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Liberty FCU
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Owensboro Federal Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 Owensboro 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.
Money Market Accounts
0.25%APY
Rates subject to change monthly. Three withdrawals per month; $5.00 fee for each excessive share withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $5,000Tier 1. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal. | 0.10% | — | Tier 1. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal. |
| $5,000 – $10,000Tier 2. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal. | 0.10% | — | Tier 2. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal. |
| $10,000 – $15,000Tier 3. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal. | 0.25% | $25 | Tier 3. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal. |
| $15,000 and upTier 4. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal. | 0.25% | — | Tier 4. No penalty. Three withdrawals per month; $5.00 fee for each excessive share withdrawal. |
Sources (2)
All captured Sep 19, 2026
Regular Share Savings
0.05%APY
All members must have a regular share savings account and maintain a minimum balance of $5.00. Rates subject to change monthly. No penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates subject to change monthly. No penalty. Maintain a minimum balance of $5.00.Any balance | 0.05% | $5 | Rates subject to change monthly. No penalty. Maintain a minimum balance of $5.00. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Savings
0.50%APY
Traditional, Roth, and Coverdell Education Savings Plans available. 60 day interest penalty if not 59 1/2. Rates subject to change monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance60 day interest penalty if not 59 1/2. Rates subject to change monthly.Any balance | 0.50% | $50 | 60 day interest penalty if not 59 1/2. Rates subject to change monthly. |
Sources (2)
All captured Sep 19, 2026
Christmas Club Savings
0.05%APY
Special Club Savings account for Christmas shopping. Deposits can be made by payroll deduction or in person. Rates subject to change monthly. No penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates subject to change monthly. No penalty.Any balance | 0.05% | $5 | Rates subject to change monthly. No penalty. |
Sources (2)
All captured Sep 19, 2026
Vacation Club Savings
0.05%APY
Special Club Savings account to save for a special vacation. Deposits can be made by payroll deduction or in person. Rates subject to change monthly. No penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates subject to change monthly. No penalty.Any balance | 0.05% | $5 | Rates subject to change monthly. No penalty. |
Sources (2)
All captured Sep 19, 2026
Who can join Owensboro Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of 80 Special Employee Groups in Daviess County and the Owensboro and Madisonville areas are eligible for membership.
Family and household
- Anyone in the immediate family of an Owensboro Federal Credit Union member is eligible for membership.
Membership information collected October 4, 2026.