Credit union · NCUA insured
Raiz Savings Rates
Raiz’s best savings rate is 0.15% APY on $10,000, with its Premier Savings Account. Rates checked October 6, 2026.
How Raiz’s savings rates compare
Compared with banks and credit unions near El Paso, TX, where Raiz has the most branches. $10,000, best rate first.
This credit union’s best
Raiz
0.15%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $15
Savings Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
Raiz savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.26%
- 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 Raiz 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.
Premier Savings Account
0.15%APY
Must be eligible for membership. Minimum deposit of $5 required to open account. Dividends paid and compounded quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust be eligible for membership. Dividends paid and compounded quarterly. | 0.15% | $15 | Must be eligible for membership. Dividends paid and compounded quarterly. |
| $2,500 and upMust be eligible for membership. Dividends paid and compounded quarterly. | 0.15% | $15 | Must be eligible for membership. Dividends paid and compounded quarterly. |
| $50,000 and upMust be eligible for membership. Dividends paid and compounded quarterly. | 0.35% | — | Must be eligible for membership. Dividends paid and compounded quarterly. |
| $100,000 and upMust be eligible for membership. Dividends paid and compounded quarterly. | 1.26% | — | Must be eligible for membership. Dividends paid and compounded quarterly. |
Sources (2)
All captured Sep 17, 2026
Savings Account
0.15%APY
Must be eligible for membership. Requires a $5 minimum balance/deposit to open. Balances over $100 earn dividends paid and compounded quarterly. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust be eligible for membership. Dividends paid and compounded quarterly. | 0.15% | $15 | Must be eligible for membership. Dividends paid and compounded quarterly. |
| $10,000 and upMust be eligible for membership. Dividends paid and compounded quarterly. | 0.15% | $15 | Must be eligible for membership. Dividends paid and compounded quarterly. |
| $25,000 and upMust be eligible for membership. Dividends paid and compounded quarterly. | 0.15% | — | Must be eligible for membership. Dividends paid and compounded quarterly. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Traditional and Roth IRAs
0.65%APY
Available to individuals with earned income or rolling over from another qualified retirement plan. Only one owner permitted per IRA. $1.00 minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upDividends are paid and compounded quarterly. Early withdrawal penalty may apply based on term if principal is withdrawn before maturity date.$1 and up | 0.65% | $65 | Dividends are paid and compounded quarterly. Early withdrawal penalty may apply based on term if principal is withdrawn before maturity date. |
Who can join Raiz
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, or worship in El Paso County.
Employers and groups
- Membership is open to Lifetime Members of the Underserved Communities Foundation.
Family and household
- Membership is open to family members of Raiz members.
Cost to join
- An initial deposit of $5 is required to open a Share Savings Account / new Raiz account.
Membership information collected October 5, 2026.