Credit union · NCUA insured
RECU Savings Rates
RECU’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How RECU’s savings rates compare
Compared with banks and credit unions near Albuquerque, NM, where RECU has the most branches. $10,000, best rate first.
This credit union’s best
RECU
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market
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
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
RECU savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.55%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.01%
- QualifiedQualified1.00%
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 RECU 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
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999 | 0.00% | — | |
| $1,000 – $9,999Dividend compounded monthly and credited monthly | 0.55% | — | Dividend compounded monthly and credited monthly |
| $10,000 – $24,999Dividend compounded monthly and credited monthly | 1.00% | $100 | Dividend compounded monthly and credited monthly |
| $25,000 – $49,999Dividend compounded monthly and credited monthly | 1.76% | — | Dividend compounded monthly and credited monthly |
| $50,000 and upDividend compounded monthly and credited monthly | 2.01% | — | Dividend compounded monthly and credited monthly |
Sources (1)
- recu.org/accounts · captured Sep 16, 2026
Special-purpose accounts
IRA Savings
1.15%APY
Traditional and Roth IRAs offered.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.15% | $115 |
Sources (1)
- recu.org/accounts · captured Sep 16, 2026
Little Engineers Savings Account
0.45%APY
Opening an account for only $5. Form requires uploading a photo ID/photo of child.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.35% | — |
| $10,000 – $75,000 | 0.45% | $45 |
| $75,000 and up | 0.55% | — |
Sources (1)
- recu.org/littleengineers · captured Sep 16, 2026
Savings Account
0.45%APY
$25 to open ($5 for minors).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$5 minimum opening deposit for minors. | 0.35% | — | $5 minimum opening deposit for minors. |
| $10,000 – $75,000$5 minimum opening deposit for minors. | 0.45% | $45 | $5 minimum opening deposit for minors. |
| $75,000 and up$5 minimum opening deposit for minors. | 0.55% | — | $5 minimum opening deposit for minors. |
Sources (1)
- recu.org/accounts · captured Sep 16, 2026
Who can join RECU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- BNSF Railway employees across the United States are eligible for membership.
Family and household
- Families of BNSF employees are eligible for membership.
Cost to join
- Opening a savings account requires $25 ($5 for minors).
Membership information collected October 4, 2026.