Credit union · NCUA insured
Red River Federal Credit Union Savings Rates
Top CarrotRed River Federal Credit Union’s best savings rate is 1.36% APY on $10,000, with its Money Market Premium. Rates checked October 15, 2026.
How Red River Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Lawton, OK, where Red River Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Red River Federal Credit Union
1.36%APY
- Minimum
- —
- Earns on $10,000 a year
- $136
Money Market Premium
Top rate
Communication Federal Credit Union
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
All America Bank
3.60%APY
- Minimum
- $500
- Earns on $10,000 a year
- $360
Red River Federal Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.36%
- $100,000 balance$100,0001.46%
- QualifiedQualified1.36%
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 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 Premium
1.36%APY
Tiered account that earns higher-rate dividends. Requires a $10,000 daily balance to earn disclosed APY. $15.00 fee for manual withdrawals in excess of 3 per calendar month (automatic transfers, ACH, and ATM withdrawals exempt).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Daily balance of $10,000 required to earn APY; balances below $10,000 earn 0.00% APY / APR. | 0.00% | — | Daily balance of $10,000 required to earn APY; balances below $10,000 earn 0.00% APY / APR. |
| $10,000 – $25,000 | 1.36% | $136 | |
| $25,000 – $75,000 | 1.41% | — | |
| $75,000 and up | 1.46% | — |
Regular Savings
0.20%APY
Required for credit union membership. Free ATM card, free e-statements, free online banking, and free AD&D insurance included. Two free withdrawals per month ($1.00 each thereafter). Early closure fee of $5.00 applies if closed within six months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends with balance of $100+.$100 and up | 0.20% | $20 | Earns dividends with balance of $100+. |
Special-purpose accounts
Individual Retirement Account
1.16%APY
Accumulative IRAs with no term attached. Traditional and Roth options available. Traditional: earnings tax-deferred, contributions tax-deductible on current returns, no income limits, mandatory withdrawals begin at age 73. Roth: earnings 100% tax-free upon withdrawal, contributions not tax-deductible, income must be under $95,000 annually ($150,000 for married couples), no mandatory withdrawals. Penalty-free withdrawals on interest at age 59 1/2 (requires account open 5 years). $10 opening fee and $10 closing fee apply. Free AD&D insurance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA AccumulativeAny balance | 1.16% | $116 | IRA Accumulative |
Christmas Club Savings
0.20%APY
Withdrawals are not permitted; closing the account forfeits accrued, uncredited dividends unless closed within 7 days of opening. Funds are automatically transferred to regular savings on October 1. Can make monthly deposits by payroll deposit or pre-authorized transfer. Free e-statements, free online banking, and free AD&D insurance included.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends with balance of $100+.$100 and up | 0.20% | $20 | Earns dividends with balance of $100+. |
Sources (3)
- redriverfcu.com/accounts/savings
- redriverfcu.com/accounts/savings/christmas-club
- redriverfcu.com/accounts/savings/deposit-account-rates
All captured Oct 5, 2026
Who can join Red River Federal Credit Union
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 (or regularly conduct business in), worship, or attend school in, and businesses and other legal entities located in Beckham, Blaine, Caddo, Canadian, Cleveland, Comanche, Custer, Grady, Greer, Harmon, Jackson, Kiowa, McClain, Roger Mills, Tillman, and Washita Counties, OK; 41 census tracts in northwest Oklahoma County (Edmond/Deer Creek area), OK; and Wilbarger County, TX are eligible for membership.
Cost to join
- Opening a Regular Savings Account is required for membership, which requires a minimum opening deposit of $5.
Membership information collected October 4, 2026.