Credit union · NCUA insured
Redstone Federal Credit Union Savings Rates
Redstone Federal Credit Union’s best savings rate is 1.16% APY on $10,000, with its Endeavor Money Market. Rates checked October 22, 2026.
How Redstone Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Huntsville, AL, where Redstone Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Redstone Federal Credit Union
1.16%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $116
Money Market Account for Share and Trust Accounts
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Avadian Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
Redstone Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0004.06%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.20%
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 Redstone 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 for Share and Trust Accounts
1.16%APY
Consumer account rate sheet. A minimum balance of $1 is required to open the Money Market Share or Money Market Share Trust Account. A minimum daily balance of $2,000 is required to earn dividends. No dividends will be earned for the length of time your daily balance falls below $2,000. The minimum balance for a Money Market tier must be maintained to earn the stated APY for that tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $5,000 | 1.00% | — | |
| $5,000 – $50,000Dividends payable monthly. | 1.16% | $116 | Dividends payable monthly. |
| $50,000 – $100,000Dividends payable monthly. | 1.26% | — | Dividends payable monthly. |
| $100,000 – $250,000Dividends payable monthly. | 1.51% | — | Dividends payable monthly. |
| $250,000 – $500,000Dividends payable monthly. | 1.71% | — | Dividends payable monthly. |
| $500,000 – $1,000,000Dividends payable monthly. | 2.12% | — | Dividends payable monthly. |
| $1,000,000 and upDividends payable monthly. | 2.53% | — | Dividends payable monthly. |
Sources (1)
- redfcu.org/content/dam/rfcu/pd…FCU_AccountRateSheet.pdf · captured Oct 5, 2026
Money Market Share Account
1.16%APY
Membership required. Minimum daily balance of $2,000 is required to earn dividends. No dividends earned if daily balance falls below $2,000. Minimum balance for a Money Market tier must be maintained to earn the disclosed APY for that tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $5,000Minimum balance for tier must be maintained to earn disclosed APY. | 1.00% | — | Minimum balance for tier must be maintained to earn disclosed APY. |
| $5,000 – $50,000Minimum balance for tier must be maintained to earn disclosed APY. | 1.16% | $116 | Minimum balance for tier must be maintained to earn disclosed APY. |
| $50,000 – $100,000Minimum balance for tier must be maintained to earn disclosed APY. | 1.26% | — | Minimum balance for tier must be maintained to earn disclosed APY. |
| $100,000 – $250,000Minimum balance for tier must be maintained to earn disclosed APY. | 1.51% | — | Minimum balance for tier must be maintained to earn disclosed APY. |
| $250,000 – $500,000Minimum balance for tier must be maintained to earn disclosed APY. | 1.71% | — | Minimum balance for tier must be maintained to earn disclosed APY. |
| $500,000 – $1,000,000Minimum balance for tier must be maintained to earn disclosed APY. | 2.12% | — | Minimum balance for tier must be maintained to earn disclosed APY. |
| $1,000,000 and upMinimum balance for tier must be maintained to earn disclosed APY. | 2.53% | — | Minimum balance for tier must be maintained to earn disclosed APY. |
Endeavor Money Market
1.16%APY
The minimum balance required to open the Endeavor Money Market Account and earn dividends is $2,000. No dividends will be earned for the length of time the balance is below $2,000. The minimum balance for a tier must be maintained to earn the stated APY for that tier. Rates may change every month as determined by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $5,000 | 1.00% | — |
| $5,000 – $50,000 | 1.16% | $116 |
| $50,000 – $100,000 | 1.26% | — |
| $100,000 and up | 1.51% | — |
Sources (1)
- redfcu.org/personal/resources/rates · captured Oct 5, 2026
Brighter Day Savings Account
1.20%APY on $10,000
Only one Brighter Day Savings account is allowed per member. A $1 minimum deposit is required to open a Brighter Day Savings Account. No minimum balance is required to maintain the account. The stated dividend rate and APY will be paid only on the portion of your daily balance that falls within the applicable Brighter Day Savings Account tier. Rates may change monthly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 4.00% |
| Over $2,500 | 0.25% |
On $10,000 the tiers blend to about 1.20% APY, earning $120 a year.
Sources (3)
- redfcu.org/personal/savings
- redfcu.org/personal/resources/rates
- redfcu.org/content/dam/rfcu/pd…FCU_AccountRateSheet.pdf
All captured Oct 5, 2026
"You Name It" Savings Account
0.25%APY
There is a $1 minimum balance required to open the “You Name It” Savings Account. The minimum daily balance required to earn dividends and the stated APY is $500.00. No dividends will be earned for the length of time your daily balance falls below $500.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends paid monthly. Minimum daily balance of $500.00 required to earn dividends and disclosed APY.$500 and up | 0.25% | $25 | Dividends paid monthly. Minimum daily balance of $500.00 required to earn dividends and disclosed APY. |
Sources (3)
- redfcu.org/personal/savings
- redfcu.org/personal/resources/rates
- redfcu.org/content/dam/rfcu/pd…FCU_AccountRateSheet.pdf
All captured Oct 5, 2026
Estate Savings Account
0.25%APY
The minimum initial deposit to open is $5.00. There is no minimum balance to maintain an Estate Savings Account. There is no minimum balance to earn the stated APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends payable quarterly. There is no minimum balance required to earn stated APY.Any balance | 0.25% | $25 | Dividends payable quarterly. There is no minimum balance required to earn stated APY. |
Sources (1)
- redfcu.org/content/dam/rfcu/pd…FCU_AccountRateSheet.pdf · captured Oct 5, 2026
Regular Share Account
0.25%APY
Must be eligible for membership and open a share savings account to join RFCU. A $5.00 minimum balance is required to open and be maintained in the share savings account at all times. There is no minimum balance required to earn the disclosed APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Minimum initial deposit to open is $5.00; minimum daily balance of $5.00 must be maintained in the account. There is no minimum balance required to earn the disclosed APY.Any balance | 0.25% | $25 | Dividends paid quarterly. Minimum initial deposit to open is $5.00; minimum daily balance of $5.00 must be maintained in the account. There is no minimum balance required to earn the disclosed APY. |
Sources (4)
- redfcu.org
- redfcu.org/personal/savings
- redfcu.org/personal/resources/rates
- redfcu.org/content/dam/rfcu/pd…FCU_AccountRateSheet.pdf
All captured Oct 5, 2026
Share Account for Trust Funds
0.25%APY
There is a $1 minimum balance required to open the Share Account for Trust Funds Account. The minimum daily balance required to earn dividends and the stated APY is $500.00. No dividends will be earned for the length of time your daily balance falls below $500.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends payable monthly. Minimum daily balance of $500.00 required to earn dividends and stated APY.$500 and up | 0.25% | $25 | Dividends payable monthly. Minimum daily balance of $500.00 required to earn dividends and stated APY. |
Sources (1)
- redfcu.org/content/dam/rfcu/pd…FCU_AccountRateSheet.pdf · captured Oct 5, 2026
Special-purpose accounts
Christmas Club Share Account
0.25%APY
A minimum deposit of $1.00 is required to open a Christmas Club account. There is no minimum balance required to maintain the account or to earn the disclosed APY. Funds transferred to chosen account in November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. No minimum balance required to maintain account or earn disclosed APY.Any balance | 0.25% | $25 | Dividends paid quarterly. No minimum balance required to maintain account or earn disclosed APY. |
Sources (3)
- redfcu.org/personal/savings
- redfcu.org/personal/resources/rates
- redfcu.org/content/dam/rfcu/pd…FCU_AccountRateSheet.pdf
All captured Oct 5, 2026
Traditional and Roth Savings IRA
0.25%APY
A $5 deposit is required to open your IRA. You must maintain a minimum daily balance of $5 in the account at all times to earn the APY. There are no fees for establishing or maintaining a Traditional or Roth Savings IRA. Rates may change every month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upA $5 deposit is required to open your IRA. You must maintain a minimum balance of $5 in the account at all times to earn the APY. Rates may change every month. No fees for establishing or maintaining a Traditional or Roth Savings IRA.$5 and up | 0.25% | $25 | A $5 deposit is required to open your IRA. You must maintain a minimum balance of $5 in the account at all times to earn the APY. Rates may change every month. No fees for establishing or maintaining a Traditional or Roth Savings IRA. |
Who can join Redstone Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Individuals who join the Association of the United States Army/Redstone-Huntsville Chapter (AUSA), which is free and completed during the membership application process, are eligible for membership.
Employers and groups
- Individuals who work for or belong to one of Redstone's 1,800+ Membership Partner organizations, clubs, churches, or businesses are eligible for membership.
Military, government and schools
- Government employees and contractors on Redstone Arsenal and throughout Madison County are eligible for membership.
- Members of the National Guard in Madison, Morgan, and Limestone Counties in Alabama, and Lincoln County in Tennessee, are eligible for membership.
- Active or retired military service members and their dependents on Redstone Arsenal and throughout Madison County are eligible for membership.
- Reserve service members in Madison County are eligible for membership.
2 more ways to join
Family and household
- Individuals who have an immediate family member (spouse, parent, sibling, child, grandparent, grandchild, step-parent, step-child, or step-sibling) who is a Redstone member are eligible for membership.
- Individuals who live in the same house and share household expenses with a Redstone member are eligible for membership.
Cost to join
- Joining requires opening a share savings account with a $5.00 minimum balance maintained at all times.
Membership information collected October 4, 2026.