Credit union · NCUA insured
Public Safety Credit Union Savings Rates
Top CarrotPublic Safety Credit Union’s best savings rate is 0.85% APY on $10,000, with its Smart Account. Rates checked October 16, 2026.
How Public Safety Credit Union’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Public Safety Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Public Safety Credit Union
0.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $85
Smart Account
Top rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Public Safety Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.85%
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 Public Safety 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.
Smart Account
0.85%APY
Minimum balance to earn interest is $2,500. Limit of six transactions per month. Rates are subject to change at any time without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Balance < $2,500. | 0.00% | — | Balance < $2,500. |
| $2,500 – $9,999Balance $2,500 - $9,999. | 0.80% | — | Balance $2,500 - $9,999. |
| $10,000 – $24,999Balance $10,000 - $24,999. | 0.85% | $85 | Balance $10,000 - $24,999. |
| $25,000 – $74,999Balance $25,000 - $74,999. | 0.90% | — | Balance $25,000 - $74,999. |
| $75,000 and upBalance > $75,000. | 1.00% | — | Balance > $75,000. |
Sources (2)
All captured Sep 17, 2026
Smart Account
0.85%APY
Must be eligible for membership. Rates are subject to change at any time without notice. Insured by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance < $2500 | 0.00% | — | Balance < $2500 |
| $2,500 – $9,999 | 0.80% | — | |
| $10,000 – $24,999 | 0.85% | $85 | |
| $25,000 – $74,999 | 0.90% | — | |
| Over $75,000Balance > $75,000 | 1.00% | — | Balance > $75,000 |
Sources (1)
- publicsafetycu.org/rates · captured Sep 17, 2026
Def Comp Accounts
0.20%APY
Must be eligible for membership. Insured by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- publicsafetycu.org/rates · captured Sep 17, 2026
General Shares
0.10%APY
Must be eligible for membership. Dividends paid monthly. Federally insured to at least $250,000 by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| $100 – $9,999 | 0.05% | — |
| $10,000 – $49,999 | 0.10% | $10 |
| $50,000 and up | 0.20% | — |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
IRA Share Account
0.30%APY
Available as Traditional, Roth, or Coverdell ESA wrappers. Must be eligible for membership. Insured by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (2)
All captured Sep 17, 2026
Christmas Club
0.00%APY
Non-interest bearing account. Funds are automatically transferred to your savings account on November 1st. Early withdrawal fee applies. Must be eligible for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds made available on November 1st; early withdrawal fee applies.Any balance | 0.00% | $0 | Funds made available on November 1st; early withdrawal fee applies. |
Sources (1)
- publicsafetycu.org/checking-savings/club-accounts · captured Sep 17, 2026
Income Tax Club
0.00%APY
Non-interest bearing account. Funds are automatically transferred to your savings account on February 1st. Early withdrawal fee applies. Must be eligible for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds made available on February 1st; early withdrawal fee applies.Any balance | 0.00% | $0 | Funds made available on February 1st; early withdrawal fee applies. |
Sources (1)
- publicsafetycu.org/checking-savings/club-accounts · captured Sep 17, 2026
Property Tax Club
0.00%APY
Non-interest bearing account. Funds are automatically transferred to your savings account on November 1st. Early withdrawal fee applies. Must be eligible for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds made available on November 1st; early withdrawal fee applies.Any balance | 0.00% | $0 | Funds made available on November 1st; early withdrawal fee applies. |
Sources (1)
- publicsafetycu.org/checking-savings/club-accounts · captured Sep 17, 2026
Vacation Club
0.00%APY
Non-interest bearing account. Funds are automatically transferred to your savings account on May 1st. Early withdrawal fee applies. Must be eligible for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds made available on May 1st; early withdrawal fee applies.Any balance | 0.00% | $0 | Funds made available on May 1st; early withdrawal fee applies. |
Sources (1)
- publicsafetycu.org/checking-savings/club-accounts · captured Sep 17, 2026
Who can join Public Safety Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of First Responder Agencies in Missouri and Kansas are eligible for membership.
- Employees of Public Safety Credit Union are eligible for membership.
- Employees of Private Security Agencies in Missouri and Kansas are eligible for membership.
Military, government and schools
- Employees of Kansas City Crime Commission, Kansas City Board of Police Commissioners, and KCMO Police Retirement Board are eligible for membership.
- Employees of Prosecuting Attorney offices in Missouri and Kansas are eligible for membership.
Family and household
- Family members of any eligible individual are eligible for membership.
1 more way to join
Other ways
- All active and retired First Responders in Kansas and Missouri are eligible for membership.
Membership information collected October 4, 2026.