Credit union · NCUA insured
Rave Financial Savings Rates
Top CarrotRave Financial’s best savings rate is 0.60% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Rave Financial’s savings rates compare
Compared with banks and credit unions near Beaumont, TX, where Rave Financial has the most branches. $10,000, best rate first.
This credit union’s best
Rave Financial
0.60%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $60
Money Market Account
Top rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
5Point Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Rave Financial savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.60%
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 Rave Financial 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
0.60%APY
Open online or in person with an investment of $2,000 or more. No minimum balance requirement. Dividends are compounded monthly and calculated on daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.40% | — |
| $10,000 – $25,000 | 0.60% | $60 |
| $25,000 and up | 0.80% | — |
Sources (2)
All captured Oct 6, 2026
Savings Account
0.20%APY
$5 deposit establishes lifetime membership and represents one share of ownership in the credit union, which must be maintained as long as you are a member of the credit union. No monthly fee. This savings account can be linked as an overdraft source for your checking account. Dividends are paid and compounded monthly on daily balance. Quarterly statements are provided showing all transactions and dividends earned.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly. Minimum balance to earn APY is $5. Opening minimum balance is $5. No monthly fee.$5 and up | 0.20% | $20 | Dividends paid monthly. Minimum balance to earn APY is $5. Opening minimum balance is $5. No monthly fee. |
Sources (3)
- bankwithrave.com/current-rates
- bankwithrave.com/personal/savi…estment/savings-accounts
- bankwithrave.com/share-savings…ounts-share-certificates
All captured Oct 16, 2026
Special-purpose accounts
Christmas Saver
0.20%APY
Open this account with a minimum of $25.00 anytime during the year. Deposits can be made in person, by payroll deduction, or by automatic transfer. Funds are automatically transferred to your share account on the first business day of November. Withdrawals are only allowed between November 1 and January 31 with no charge during this period. Dividends compounded and paid monthly on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid monthly. Minimum balance to earn APY is $25. Opening minimum balance is $25.00.$25 and up | 0.20% | $20 | Dividends paid monthly. Minimum balance to earn APY is $25. Opening minimum balance is $25.00. |
Sources (3)
- bankwithrave.com/current-rates
- bankwithrave.com/personal/savi…estment/savings-accounts
- bankwithrave.com/vacation-holiday-saver
All captured Oct 16, 2026
IRA Savings
0.20%APY
Available as Traditional, Roth, or SEP IRA. Dividends paid and compounded monthly on daily balance. Federally insured separately up to $250,000 by NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum balance to earn is $500.00 and over. Dividends paid monthly. Opening/minimum balance is $25.00.$500 and up | 0.20% | $20 | Minimum balance to earn is $500.00 and over. Dividends paid monthly. Opening/minimum balance is $25.00. |
Sources (2)
All captured Oct 16, 2026
Who can join Rave Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Jefferson, Chambers, Hardin, Jasper, Liberty, Newton, Orange, Tyler, Galveston, Harris, Montgomery, San Jacinto, Polk, Angelina, San Augustine, or Sabine County are eligible for membership.
Family and household
- Individuals related to an existing member are eligible for membership.
Cost to join
- Open a savings account and maintain a balance of $5.
Membership information collected October 5, 2026.