Credit union · NCUA insured
Peak Credit Union Savings Rates
Peak Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Peak Credit Union’s savings rates compare
Compared with banks and credit unions near Olympia, WA, where Peak Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
Level Up Savings
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
3rd-highest rate
BECU
2.02%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $202
Peak Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.20%
- QualifiedQualified5.00%
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 Peak 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.
Level Up Savings
Up to 5.00%APY
Requires $10 minimum balance. Rate is determined by the number of qualifying loans held in good standing with balances over $10,000 (and up to 1 mortgage loan per tax reporting owner) at the end of the last day of the prior month; up to 5 qualifying loans. During the month of opening, earns the No qualifying loans rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires 5 qualifying loans.$10 and up | 5.00% | $500 | Requires 5 qualifying loans. |
| $10 and upRequires 4 qualifying loans.$10 and up | 4.00% | $400 | Requires 4 qualifying loans. |
| $10 and upRequires 3 qualifying loans.$10 and up | 3.00% | $300 | Requires 3 qualifying loans. |
| $10 and upRequires 2 qualifying loans.$10 and up | 2.00% | $200 | Requires 2 qualifying loans. |
| $10 and upRequires 1 qualifying loan.$10 and up | 1.00% | $100 | Requires 1 qualifying loan. |
| $10 and upNo qualifying loans. Rate applies during opening month and when no qualifying loans are held.$10 and up | 0.05% | $5 | No qualifying loans. Rate applies during opening month and when no qualifying loans are held. |
Peak Saver
4.00%APY on $10,000
Must be linked to a Peak High Yield Checking or Peak Cash Back checking account. Requires enrolling in eStatements and making 12 debit card transactions each month on the linked checking account. When qualifications are met, balances up to $100,000 earn 4.00% APY and balances over $100,000 earn 1.00% APY on the portion over $100,000. When qualifications are not met, all balances earn 0.05% APY. Rewards and refunded ATM fees from checking are automatically deposited into Peak Saver. Dividends credited by the first business day of the following Statement Cycle.
| Part of the balance | Rate on that part |
|---|---|
| Up to $100,000 | 4.00% |
| $100,000 and up | 1.00% |
On $10,000 the tiers blend to about 4.00% APY, earning $400 a year.
Sources (4)
- peakcu.org/checking/peak-high-yield-checking
- peakcu.org/rates
- peakcu.org/savings
- peakcu.org/savings/peak-saver
All captured Oct 15, 2026
Money Market Savings
0.25%APY
Available to Peak Credit Union members across Washington and Oregon. Rates may vary after account opening. $1,000 minimum deposit required for account opening, but minimum balance is not required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.15% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $1,000 – $10,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.15% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $10,000 – $25,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.25% | $25 | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $25,000 – $50,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.30% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $50,000 – $100,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.35% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $100,000 – $150,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 1.20% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $150,000 – $250,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 1.30% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $250,000 and upRates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 1.40% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
Prime/Regular Savings
0.05%APY
Requires $100.00 minimum daily balance to earn dividends. Dividends compounded monthly and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $100.00 minimum daily balance to earn dividends.$100 and up | 0.05% | $5 | Requires $100.00 minimum daily balance to earn dividends. |
Sources (1)
- peakcu.org/rates · captured Oct 15, 2026
Subsidiary Savings
0.05%APY
No minimum balance required to earn dividends. Dividends compounded monthly and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- peakcu.org/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Money Market Savings
0.25%APY
Rates may vary after account opening. $1,000 minimum deposit required for account opening, but minimum balance is not required to earn dividends. Accrued dividends will not be paid to any account closed prior to the end of the period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.15% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $1,000 – $10,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.15% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $10,000 – $25,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.25% | $25 | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $25,000 – $50,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.30% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $50,000 – $100,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 0.35% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $100,000 – $150,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 1.20% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $150,000 – $250,000Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 1.30% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
| $250,000 and upRates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. | 1.40% | — | Rates may vary after account opening. Dividends calculated by daily balance method and compounded/credited monthly. |
Sources (1)
- peakcu.org/savings/individual-retirement-account · captured Oct 4, 2026
Dollar Dog Kids Club Savings Account
0.05%APY
For kids aged 12 and younger. Automatically converts to Outfitters Savings at age 13. Adult joint owner required for members under 18. Adult joint owner can opt in to monthly drawings for $50 cash prize with monthly deposit of any amount. No minimum balance required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
All captured Oct 15, 2026
Holiday Savings
0.05%APY
No minimum balance required to earn dividends. Dividends compounded monthly and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- peakcu.org/rates · captured Oct 15, 2026
IRA Shares
0.05%APY
Can open with as little as $25. Traditional, Roth, and spousal IRAs offered. Accrued dividends not paid if closed prior to period end. Dividends compounded and credited monthly. NCUA insured up to $250,000 and $250,000 through Excess Share Insurance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
All captured Oct 15, 2026
Outfitter Savings Account
0.05%APY
For members 13 - 18 years old. Adult joint owner required for members under 18. Adult joint owner can opt in to monthly drawings for $50 cash prize with monthly deposit of any amount. No minimum balance required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
All captured Oct 15, 2026
Who can join Peak Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible to join if you live or work in select Oregon counties: Benton, Clackamas, Coos, Crook, Deschutes, Douglas, Jackson, Jefferson, Josephine, Klamath, Lane, Linn, Marion, Multnomah, or Washington County.
- You are eligible to join if you live, work, worship, or attend school in Washington.
Family and household
- You are eligible to join if you are an immediate family or household member of a current Peak Credit Union member.
Other ways
- You are eligible to join by making a $5 charitable donation to Relay for Life or Habitat for Humanity.
Cost to join
- A $5 charitable donation to Relay for Life or Habitat for Humanity qualifies an applicant for membership.
Membership information collected October 4, 2026.