Credit union · NCUA insured
Rancho Federal Credit Union Savings Rates
Rancho Federal Credit Union’s best savings rate is 0.32% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Rancho Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where Rancho Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rancho Federal Credit Union
0.32%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $32
Money Market Account
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
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Rancho Federal Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.32%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.32%
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 Rancho 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 Account
0.32%APY
Members must maintain the required minimum balance tier to earn the stated dividend/apy. Dividends paid monthly. Minimum opening balance $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $50,000Minimum balance $2,500.00 to $49,999.99. | 0.32% | $32 | Minimum balance $2,500.00 to $49,999.99. |
| $50,000 – $99,999Minimum balance $50,000.00 to $99,999.00. | 0.60% | — | Minimum balance $50,000.00 to $99,999.00. |
| $100,000 – $249,999Minimum balance $100,000.00 to $249,999.00. Rate 0.59%, APY 0.60%. | 0.60% | — | Minimum balance $100,000.00 to $249,999.00. Rate 0.59%, APY 0.60%. |
| $250,000 and upMinimum balance $250,000.00 and over. | 0.80% | — | Minimum balance $250,000.00 and over. |
Savings & Special Savings
0.10%APY
Dividends paid on balances of $1,000 or higher. Membership begins with a small fee and a savings account opened with a minimum of $25.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $9,999Tier 1 ($1,000–$9,999) | 0.10% | — | Tier 1 ($1,000–$9,999) |
| $10,000 – $99,999Tier 2 ($10,000–$99,999) | 0.10% | $10 | Tier 2 ($10,000–$99,999) |
| $100,000 and upTier 3 ($100,000 and over) | 0.10% | — | Tier 3 ($100,000 and over) |
Special-purpose accounts
Christmas Club
0.10%APY
Automatic monthly deposits to reach savings goal; funds disbursed during the first week of November via check or transfer to checking account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Restricted Christmas Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ranchofcu.org/rates · captured Sep 16, 2026
Vacation Club
0.10%APY
Automatic monthly deposits to reach savings goal; funds disbursed during the first week of June via check or transfer to checking account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Who can join Rancho Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of eligible partner companies, unions, and organizations served by Rancho Federal Credit Union are eligible for membership.
- Retirees of eligible partner employer and union groups are eligible for membership.
Military, government and schools
- Los Angeles County employees working at Rancho Los Amigos National Rehabilitation Center, Los Amigos Research and Education Institute, or Internal Service Department Dept #300 are eligible for membership.
Family and household
- Immediate family members and household members of current Rancho Federal Credit Union members in good standing are eligible to join.
Cost to join
- An initial deposit of at least $25.00 into regular savings is required to establish membership.
- A one-time membership fee of $5.00 is required to join.
Membership information collected October 5, 2026.