Credit union · NCUA insured
PECU Savings Rates
Top CarrotPECU’s best savings rate is 0.55% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How PECU’s savings rates compare
Compared with banks and credit unions near Austin, TX, where PECU has the most branches. $10,000, best rate first.
This credit union’s best
PECU
2.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $250
Free ATX Saver
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
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
PECU savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0000.75%
- QualifiedQualified2.50%
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 PECU 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.
Free ATX Saver
Up to 2.50%APY
A High Interest checking account (with $25.00 opening deposit) is required to have a Free ATX Saver account. Limit 1 account per SSN/ITIN. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate on daily balances up to and including $50,000 when monthly qualifications (at least 1 direct deposit/ACH credit/payment, at least 15 debit card purchases, and eStatements enrollment) are met on the linked checking account. | 2.50% | $250 | Qualifying rate on daily balances up to and including $50,000 when monthly qualifications (at least 1 direct deposit/ACH credit/payment, at least 15 debit card purchases, and eStatements enrollment) are met on the linked checking account. |
| Any balanceNon-qualifying rate on entire daily balance when monthly qualifications are not met on the linked checking account. | 0.05% | $5 | Non-qualifying rate on entire daily balance when monthly qualifications are not met on the linked checking account. |
Sources (3)
- pecutx.org/bank/savings
- pecutx.org/bank/savings/free-atx-saver.html
- pecutx.org/services/helpful-links/rates.html
All captured Sep 25, 2026
Money Market
0.55%APY
Minimum required to open is $2,000.00. Must maintain a balance of at least $2,000.00 each day to earn interest and the disclosed annual percentage yield (APY). Interest is calculated on a daily balance method, credited as of the first of each month, and compounded monthly. Interest must remain in the account through the last day of the month to earn disclosed APY. Rates subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $25,000 | 0.55% | $55 |
| $25,000 – $75,000 | 0.65% | — |
| $75,000 – $125,000 | 0.75% | — |
| $125,000 – $200,000 | 1.00% | — |
| $200,000 and up | 1.26% | — |
Sources (2)
All captured Oct 16, 2026
Regular Savings
0.15%APY
Start membership with PECU with a $5.00 membership fee. Earn dividends on daily outstanding balance. Paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.15% | $15 | Dividends paid quarterly. |
Special-purpose accounts
Individual Retirement Account
0.40%APY
Federal IRA regulations apply. IRA accounts are unavailable for overdraft protection. Insured by NCUSIF up to $250,000 with additional $250,000 ESI coverage. Traditional, SEP, Roth, HSA and ESA Plans available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain a balance of at least $25.00 in account each day to earn the disclosed APY. Interest compounded and credited monthly.$25 and up | 0.40% | $40 | Must maintain a balance of at least $25.00 in account each day to earn the disclosed APY. Interest compounded and credited monthly. |
Sources (3)
All captured Oct 6, 2026
Club Bling Membership
0.20%APY
Savings and checking exclusively for teens 13 to 18. No minimum monthly balance or membership fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. No minimum monthly balance or membership fee. $5.00 minimum deposit to open.Any balance | 0.20% | $20 | Dividends paid quarterly. No minimum monthly balance or membership fee. $5.00 minimum deposit to open. |
Holiday Savings
0.20%APY
Funds automatically disburse the first business day in November. Any withdrawal of funds prior to the end of the term will result in a loss of all earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a balance of $5.00 in account each day to earn disclosed APY. Interest compounded monthly.$5 and up | 0.20% | $20 | Must maintain a balance of $5.00 in account each day to earn disclosed APY. Interest compounded monthly. |
Sources (3)
- pecutx.org/bank/youth/teen-accounts.html
- pecutx.org/bank/savings
- pecutx.org/bank/savings/holiday-savings.html
All captured Oct 6, 2026
Kids Savings Account
0.20%APY
Savings exclusively for kids 12 and under. Includes free pass to Austin Zoo and fun savings incentives. Waived membership fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Open with as little as $10.00 (or $5.00 on youth landing page). Waived membership fee.Any balance | 0.20% | $20 | Dividends paid quarterly. Open with as little as $10.00 (or $5.00 on youth landing page). Waived membership fee. |
Sources (3)
- pecutx.org/bank/youth
- pecutx.org/bank/youth/teen-accounts.html
- pecutx.org/bank/youth/kids-accounts.html
All captured Oct 6, 2026
Who can join PECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, or attends school within a 10-mile radius of any PECU office.
- Membership is open to anyone who lives, works, worships, or attends school in Travis County.
- Membership is open to anyone who lives, works, worships, or attends school in Williamson County.
- Membership is open to anyone who lives, works, worships, or attends school in Bastrop County and Hays County.
Membership information collected October 5, 2026.