Credit union · NCUA insured
Peach State Federal Credit Union Savings Rates
Top CarrotPeach State Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Peach State Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Atlanta, GA, where Peach State Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peach State Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
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
Peach State Federal Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.00%
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 Peach State 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 Account
1.00%APY
Avoid a monthly fee when you maintain a minimum daily balance of $2,500. Variable rate account; rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier I. Avoid monthly fee with a minimum daily balance of $2,500. | 0.50% | — | Tier I. Avoid monthly fee with a minimum daily balance of $2,500. |
| $10,000 – $25,000Tier II. Avoid monthly fee with a minimum daily balance of $2,500. | 1.00% | $100 | Tier II. Avoid monthly fee with a minimum daily balance of $2,500. |
| $25,000 – $100,000Tier III. Avoid monthly fee with a minimum daily balance of $2,500. | 1.25% | — | Tier III. Avoid monthly fee with a minimum daily balance of $2,500. |
| $100,000 and upTier IV. Avoid monthly fee with a minimum daily balance of $2,500. | 2.25% | — | Tier IV. Avoid monthly fee with a minimum daily balance of $2,500. |
Sources (1)
- peachstatefcu.org/money-market-account · captured Oct 5, 2026
Savings Account
0.15%APY
An initial deposit of $5 is required to maintain your stake in the credit union, along with a one-time membership fee ($5) and USA Patriot Act recovery fee ($5). Members must maintain a $5 balance to remain a member-owner. A minimum balance of $100 is required to earn dividends, which are paid monthly on the average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,000Tier I. | 0.15% | — | Tier I. |
| $2,000 – $10,000Tier II. | 0.15% | $15 | Tier II. |
| Over $10,000Tier III. | 0.15% | — | Tier III. |
Sources (1)
- peachstatefcu.org/savings-account · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account
2.75%APY
Available as Traditional IRA or Roth IRA, which can be opened as a certificate or club account. Subject to membership availability. Early distribution penalties may apply prior to age 59 1/2 unless an exemption applies. IRA Club Share Account allows ongoing deposits with no minimum opening balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA Club Share Account. Dividend rate 2.72%, APY 2.75%. No minimum to open an account. Ongoing deposits allowed. Dividends paid monthly.Any balance | 2.75% | $275 | IRA Club Share Account. Dividend rate 2.72%, APY 2.75%. No minimum to open an account. Ongoing deposits allowed. Dividends paid monthly. |
Sources (2)
All captured Oct 5, 2026
Kids Savings Account
0.33%APY on $10,000
Berenstain Bears Financial Literacy Program Cub Account for children from birth to age 13. Low $5 minimum balance requirement. Early withdrawal penalties may apply.
| Part of the balance | Rate on that part |
|---|---|
| Up to $100 | 2.96% |
| Over $100 | 0.25% |
| Over $100 | 0.05% |
On $10,000 the tiers blend to about 0.33% APY, earning $33 a year.
Sources (1)
- peachstatefcu.org/kids-savings-account · captured Oct 5, 2026
Club Accounts
0.15%APY
Club Accounts are special savings accounts you can open to save for a specific purpose or event. Christmas Club Accounts automatically transfer to another account at the end of October. Includes Christmas, Vacation, Student, and Other club accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceChristmas Club Account. Dividend Rate 0.15%, APY 0.15%. Automatically transfers to another account at the end of October.Any balance | 0.15% | $15 | Christmas Club Account. Dividend Rate 0.15%, APY 0.15%. Automatically transfers to another account at the end of October. |
Sources (2)
All captured Oct 5, 2026
Who can join Peach State Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.