Credit union · NCUA insured
Oxford Federal Credit Union Savings Rates
Top CarrotOxford Federal Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Oxford Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where Oxford Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Oxford Federal Credit Union
2.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $200
Money Market
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Oxford Federal Credit Union savings score
89
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.00%
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 Oxford 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
2.00%APY
Open to members who live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York counties in Maine, or eligible family/household members. Requires maintaining a Share Savings account with a $5 minimum balance. Up to 3 withdrawals per month permitted.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 – $25,000Tier applies to balances from $2,500 to $25,000. · $2,500 to open | 2.00% | $2,500 | $200 | Tier applies to balances from $2,500 to $25,000. |
| $25,000 – $75,000Tier applies to balances over $25,000 to $75,000. · $25,000.01 to open | 2.25% | $25,000.01 | — | Tier applies to balances over $25,000 to $75,000. |
| Over $75,000Tier applies to balances over $75,000. · $75,000.01 to open | 2.50% | $75,000.01 | — | Tier applies to balances over $75,000. |
Savings Accounts
0.10%APY
Membership eligibility required. No minimum balance or monthly fees. Monthly dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special-purpose accounts
Club Accounts
0.10%APY
Help save for specific goals (holidays, vacation, etc.). Automatic transfers available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
IRA Shares
0.10%APY
Traditional or Roth IRAs. Annual contribution limits apply. Oxford FCU retirement accounts are insured up to $500,000. Penalties may apply for withdrawals before age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Youth Savings Account
0.10%APY
Available to eligible members under age 13. Offers the same dividend rates as a Share Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOffers the same dividend rates as a Share Savings Account.Any balance | 0.10% | $10 | Offers the same dividend rates as a Share Savings Account. |
Sources (3)
All captured Sep 19, 2026
Who can join Oxford Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or goes to school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York County in Maine.
Family and household
- Eligible if you are an immediate family member of someone who is already an OFCU member.
- Eligible if you share a residence with someone who is already an OFCU member.
Cost to join
- A $5 minimum deposit is required to open a Share Savings account.
Membership information collected October 4, 2026.