Credit union · NCUA insured
Red River Credit Union Savings Rates
Top CarrotRed River Credit Union’s best savings rate is 2.60% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Red River Credit Union’s savings rates compare
Compared with banks and credit unions near Texarkana, TX-AR, where Red River Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Red River Credit Union
2.60%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $260
Money Market
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
First National Bank Texas
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
Red River Credit Union savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.60%
- $100,000 balance$100,0003.50%
- QualifiedQualified2.60%
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 Red River 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.
High Yield Money Market
3.50%APY
Variable rate based on Wall Street Journal Prime Rate (WSJ Prime). $20,000 minimum balance required to open and maintain account to obtain APY; penalty imposed for below minimum balance. No maximum balance limit. Dividends credited/compounded monthly based on daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20,000 and upVariable rate tied to WSJ Prime. Penalty imposed for below minimum balance. Dividends credited/compounded monthly based on daily balance.$20,000 and up | 3.50% | — | Variable rate tied to WSJ Prime. Penalty imposed for below minimum balance. Dividends credited/compounded monthly based on daily balance. |
Sources (2)
All captured Oct 6, 2026
Money Market
2.60%APY
Minimum required balance is $2,500.00 to prevent a $5.00 minimum balance violation fee. Minimum check clearing amount is $500.00. Transaction violation fee of $35.00 for exceeding 6 Reg D transactions per month. Dividends credited/compounded monthly based on daily balance. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $100,000Dividends credited/compounded monthly. Rates based on daily balance. | 2.60% | $260 | Dividends credited/compounded monthly. Rates based on daily balance. |
| $100,000 – $250,000Dividends credited/compounded monthly. Rates based on daily balance. | 2.75% | — | Dividends credited/compounded monthly. Rates based on daily balance. |
| $250,000 and upDividends credited/compounded monthly. Rates based on daily balance. | 2.90% | — | Dividends credited/compounded monthly. Rates based on daily balance. |
Sources (3)
All captured Oct 6, 2026
Regular Savings
0.10%APY
Base savings (share) account required to maintain membership. Dividends credited/compounded quarterly based on daily balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Tax Savings
0.10%APY
Make deposits anytime throughout the year. Total balance transfers to Regular Savings on March 1st. Dividends credited/compounded quarterly based on daily balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special-purpose accounts
IRA Savings
3.00%APY
Traditional or Roth IRAs available. Dividends credited/compounded quarterly based on daily balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.00% | $300 |
Christmas Club Savings
0.10%APY
Make deposits anytime throughout the year. Total balance transfers to Regular Savings on November 1. Dividends credited/compounded quarterly based on daily balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Homer's Club Savings
0.10%APY
Available to members age 0–12. Membership fee is waived and no monthly fees. Base savings account option to maintain membership. Dividends credited/compounded quarterly based on daily balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Varsity Club Savings
0.10%APY
Strictly for teens age 13–17. Membership fee is waived and no monthly fees. Automatically transitions to Basic Savings/Checking at age 18. Base savings account option to maintain membership. Dividends credited/compounded quarterly based on daily balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Closed to new customers
HSA Savings
0.10%APY
HSA No Longer Available as of 09/14/2026. Dividends credited/compounded quarterly based on daily balances.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Who can join Red River Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.