Credit union · NCUA insured
Peoples Federal Credit Union Savings Rates
Peoples Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Regular Shares. Rates checked October 22, 2026.
How Peoples Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Charleston, WV, where Peoples Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peoples Federal Credit Union
0.15%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $15
Regular Shares
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
West Virginia National Guard FCU
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Peoples Federal Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 Peoples 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.
Regular Shares
0.15%APY
Requires membership with Peoples Federal Credit Union (living, working, worshiping, volunteering, or attending school in Kanawha, Mason, or Putnam counties in WV, or affiliated businesses/immediate family). Requires a $5.00 deposit (par value) to primary savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded daily and paid monthly.Any balance | 0.15% | $15 | Dividends are compounded daily and paid monthly. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Coverdell Educational Savings Account
0.75%APY
Coverdell Educational Savings share account. Peoples Preferred Club rate not applicable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceProspective rate quoted is compounded daily – Paid Monthly.Any balance | 0.75% | $75 | Prospective rate quoted is compounded daily – Paid Monthly. |
Sources (2)
All captured Sep 19, 2026
IRA
0.75%APY
Traditional and Roth IRA savings / share account options available. Peoples Preferred Club rate not applicable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceProspective rate quoted is compounded daily – Paid Monthly.Any balance | 0.75% | $75 | Prospective rate quoted is compounded daily – Paid Monthly. |
Sources (2)
All captured Sep 19, 2026
Money Club
0.65%APY
Tiered dividend account. Dividend is calculated on average daily balance and paid monthly. No minimum opening balance required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Rate quoted is for average daily balance, paid monthly. | 0.60% | — | Rate quoted is for average daily balance, paid monthly. |
| $5,000 – $25,000Rate quoted is for average daily balance, paid monthly. | 0.65% | $65 | Rate quoted is for average daily balance, paid monthly. |
| Over $25,000Rate quoted is for average daily balance, paid monthly. | 0.70% | — | Rate quoted is for average daily balance, paid monthly. |
Sources (2)
All captured Sep 19, 2026
Money Club
0.65%APY
No minimum opening balance required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Prospective rate quoted is average daily balance – Paid Monthly. | 0.60% | — | Prospective rate quoted is average daily balance – Paid Monthly. |
| $5,000 – $25,000Prospective rate quoted is average daily balance – Paid Monthly. | 0.65% | $65 | Prospective rate quoted is average daily balance – Paid Monthly. |
| Over $25,000Prospective rate quoted is average daily balance – Paid Monthly. | 0.70% | — | Prospective rate quoted is average daily balance – Paid Monthly. |
Sources (1)
- peoplesfcu.com/p/manage/current-rates · captured Sep 19, 2026
Christmas Club Accounts
0.35%APY
Pays out on October 1st; entire balance is transferred to primary account on or after the second Tuesday in October and remains open. Maximum 5 withdrawals per year (exceeding may close account). Maximum deposits per quarter may not exceed $2,500.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceProspective rate quoted is compounded daily – Paid Annually.Any balance | 0.35% | $35 | Prospective rate quoted is compounded daily – Paid Annually. |
Sources (2)
All captured Sep 19, 2026
Vacation Club Accounts
0.35%APY
Pays out on June 1st; entire balance is transferred to primary account on or after the second Tuesday in June and remains open. Maximum 5 withdrawals per year (exceeding may close account). Maximum deposits per quarter may not exceed $2,500.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceProspective rate quoted is compounded daily – Paid Annually.Any balance | 0.35% | $35 | Prospective rate quoted is compounded daily – Paid Annually. |
Sources (2)
All captured Sep 19, 2026
Who can join Peoples Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.