Credit union · NCUA insured
PEPCO Federal Credit Union Savings Rates
PEPCO Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Share/Savings Account. Rates checked October 22, 2026.
How PEPCO Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where PEPCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PEPCO Federal Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
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
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
PEPCO Federal Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0002.01%
- QualifiedQualified0.05%
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 PEPCO 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 Savings
Up to 2.01%APY
$250 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 – $1,000 | 0.05% | — |
| $1,001 – $4,999 | 0.10% | — |
| $5,001 – $9,999 | 0.15% | — |
| $10,001 – $49,999 | 0.40% | — |
| $50,001 and up | 2.01% | — |
Sources (1)
- pepcofcu.org/img/rates/PEPCO%2…hedule%20June%202025.pdf · captured Oct 15, 2026
Share/Savings Account
0.05%APY
Dividends are declared quarterly by the Board of Directors, computed based on the daily balance (day of deposit to day of withdrawal), paid and compounded quarterly. Dividends are credited on March 31, June 30, September 30, and December 31. Dividends will not be paid on accounts that are closed during the quarter.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Account
1.00%APY
Traditional, Roth, and SEP options available. Eligible for 2025/2026 contributions. Automatic payroll deductions available. Minimum balance of $25.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEligible for 2025/2026 contributions. Traditional, Roth and SEP.$25 and up | 1.00% | $100 | Eligible for 2025/2026 contributions. Traditional, Roth and SEP. |
Sources (2)
All captured Oct 15, 2026
Club Account
0.05%APY
Offered as Holiday Club Account and Vacation Club Account. Payments can be made by check, automatic transfer, or direct deposit. On the disbursement date, funds on deposit are automatically transferred to share account for withdrawal. Disbursement date for Holiday Club Account is the first week in November. For Vacation Club Account, two penalty-free withdrawals are allowed per year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 15, 2026
Who can join PEPCO Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Permanent full-time employees of PEPCO Federal Credit Union are eligible for membership.
- Permanent full time employees of the Potomac Electric Power Company, PHI, or its corporate Affiliates working in Washington D.C., Maryland, or Virginia are eligible for membership.
- Organizations composed exclusively of individuals within the Credit Union's field of membership are eligible.
- Members of PEPCO FCU who are no longer employed by Potomac Electric Power Company, PHI, its Corporate Affiliates, or PEPCO FCU and retain their membership remain eligible.
Family and household
- Family members of eligible persons, including parents, grandparents, husband, wife, children, grandchildren, brothers, and sisters, are eligible for membership.
Other ways
- Retirees are eligible for membership.
Membership information collected October 4, 2026.