Credit union · NCUA insured
P&S Credit Union Savings Rates
Top CarrotP&S Credit Union’s best savings rate is 1.20% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How P&S Credit Union’s savings rates compare
Compared with banks and credit unions near Atlanta, GA, where P&S Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
P&S Credit Union
1.20%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $120
Money Market Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
P&S Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0002.75%
- QualifiedQualified1.20%
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 P&S 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 Savings
1.20%APY
$25 minimum deposit to open, no minimum balance requirements. Dividends earned on all average daily balances.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Dividends paid monthly. Dividends earned on all average daily balances. | 0.75% | — | Dividends paid monthly. Dividends earned on all average daily balances. |
| $5,000 – $9,999Dividends paid monthly. Dividends earned on all average daily balances. | 1.15% | — | Dividends paid monthly. Dividends earned on all average daily balances. |
| $10,000 – $19,999Dividends paid monthly. Dividends earned on all average daily balances. | 1.20% | $120 | Dividends paid monthly. Dividends earned on all average daily balances. |
| $20,000 – $49,999Dividends paid monthly. Dividends earned on all average daily balances. | 1.30% | — | Dividends paid monthly. Dividends earned on all average daily balances. |
| $50,000 – $99,999Dividends paid monthly. Dividends earned on all average daily balances. | 1.90% | — | Dividends paid monthly. Dividends earned on all average daily balances. |
| $100,000 and upDividends paid monthly. Dividends earned on all average daily balances. | 2.75% | — | Dividends paid monthly. Dividends earned on all average daily balances. |
Share Savings
0.10%APY
Primary account required to establish membership at P&S Credit Union. Free monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend earned on average daily balances over $100. Requires $25 minimum opening deposit / balance.$100 and up | 0.10% | $10 | Quarterly dividend earned on average daily balances over $100. Requires $25 minimum opening deposit / balance. |
Sources (3)
- pandscu.org/share-rates
- pandscu.org/share-savings-account
- pandscu.org/wp-content/uploads…/06/Truth-in-savings.pdf
All captured Sep 16, 2026
Union Member Vacation Savings
0.10%APY
Set up and designed specifically for UA Local 140 members. Select employers make monthly deposits for vacation pay.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly on the average daily balance.Any balance | 0.10% | $10 | Dividends paid quarterly on the average daily balance. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Apprentice Tuition Savings
0.10%APY
Designed specifically for Utah Career Center (UCC) members/apprentices saving for SLCC tuition and books. Requires an established primary Share Account with a $25 minimum balance deposit. Withdrawals for non-educational expenses incur a $10 penalty per instance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Earns 2.50% APY on balances up to $2,500; balances over that amount earn the regular savings rate. Dividends paid monthly. | 2.50% | — | Earns 2.50% APY on balances up to $2,500; balances over that amount earn the regular savings rate. Dividends paid monthly. |
| $2,500 and upBalances over $2,500 earn the regular share savings rate (0.10% APY). | 0.10% | $10 | Balances over $2,500 earn the regular share savings rate (0.10% APY). |
IRA Accumulator
1.25%APY
Traditional IRA share savings account with tax-deferred growth. No maintenance fee. Unlimited deposits up to legal limit. Dividends compounded and paid quarterly on average daily balance.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,500Dividends paid quarterly on average daily balance. · Unknown to open | 0.50% | Unknown | — | Dividends paid quarterly on average daily balance. |
| $2,500 – $10,000Dividends paid quarterly on average daily balance. · $5 to open | 1.00% | $5 | — | Dividends paid quarterly on average daily balance. |
| $10,000 – $25,000Dividends paid quarterly on average daily balance. · $5 to open | 1.25% | $5 | $125 | Dividends paid quarterly on average daily balance. |
| $25,000 – $50,000Dividends paid quarterly on average daily balance. · $5 to open | 1.50% | $5 | — | Dividends paid quarterly on average daily balance. |
| $50,000 and upDividends paid quarterly on average daily balance. · $5 to open | 1.60% | $5 | — | Dividends paid quarterly on average daily balance. |
Christmas Club Savings
0.10%APY
Does not allow regular withdrawals. Dividends paid annually on October 31st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned on average daily balance, paid annually on October 31st.Any balance | 0.10% | $10 | Dividends earned on average daily balance, paid annually on October 31st. |
Share Youth Savings
0.10%APY
For children 14 years old or younger (also known as Lil' Piper Youth Savings). Minors must have a joint account owner over 18. Requires average daily balance of $5 to maintain. Automatically converts to primary Share Savings account at age 15. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends quarterly on average daily balance once the balance reaches $100 or more.$100 and up | 0.10% | $10 | Earns dividends quarterly on average daily balance once the balance reaches $100 or more. |
Student Savings
0.10%APY
Designed for teens and young adults from 15 to 26 years old. No monthly/annual fee. Unlimited transactions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.10% | $10 | Dividends paid monthly. |
Who can join P&S 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 residents of Salt Lake County.
Employers and groups
- Membership is open to Boilermakers & Welders Local #182.
- Membership is open to former employees and their family of Elias Morris & Sons Co. (EMSCO).
- Membership is open to Heat & Frost Insulators Local #69.
- Membership is open to Iron Workers Local #27.
- Membership is open to U.A. Local 140 Pipefitters, Plumbers, HVAC & R.
4 more ways to join
Military, government and schools
- Membership serves Utah Career Center.
- Membership is open to Utah Prison Employees (Former UPECU Credit Union Members).
Family and household
- Membership is open to family members of current members.
- Membership is open to family members of Local Union members.
Cost to join
- A $25 Share (Savings) Account deposit is required to establish membership.
Membership information collected October 4, 2026.