Credit union · NCUA insured
RTP Federal Credit Union Savings Rates
RTP Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Regular Savings. Rates checked October 22, 2026.
How RTP Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Raleigh, NC, where RTP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
RTP Federal Credit Union
0.20%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $20
Regular Savings
Top rate
Langley Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Coastal Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $325
RTP Federal Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 RTP 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.
Regular Savings
0.20%APY
Applies to balances $100 or greater.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies to balances $100 or greater.$100 and up | 0.20% | $20 | Rate applies to balances $100 or greater. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Accounts
1.01%APY
Available as Traditional, Roth, and Coverdell Education savings accounts. Interest compounded daily and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded daily and posted monthly. Rate applies to Traditional, Roth, and Education IRA savings.Any balance | 1.01% | $101 | Interest compounded daily and posted monthly. Rate applies to Traditional, Roth, and Education IRA savings. |
Sources (2)
All captured Oct 4, 2026
Christmas Club
0.25%APY
Dividends compounded daily and posted monthly. Funds transfer to Regular Savings at the beginning of November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded daily and posted monthly. Funds transfer to Regular Savings at the beginning of November.Any balance | 0.25% | $25 | Interest compounded daily and posted monthly. Funds transfer to Regular Savings at the beginning of November. |
Triangle Kids Savings Account
0.25%APY
Youth savings account for children. Dividends compounded daily and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily and posted monthly.Any balance | 0.25% | $25 | Dividends compounded daily and posted monthly. |
Sources (2)
All captured Oct 4, 2026
Triangle Teens Savings Account
0.25%APY
Youth savings account for teens. Dividends compounded daily and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily and posted monthly.Any balance | 0.25% | $25 | Dividends compounded daily and posted monthly. |
Sources (2)
All captured Oct 4, 2026
Vacation Club
0.25%APY
Dividends compounded daily and posted monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded daily and posted monthly.Any balance | 0.25% | $25 | Interest compounded daily and posted monthly. |
Who can join RTP 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, worship, work, or attend school in, and businesses and other legal entities located within specified community areas are eligible for membership.
Employers and groups
- Individuals associated with one of over 300 sponsored businesses and associations in the RTP and greater Triangle area are eligible for membership.
- Individuals are eligible for membership by joining the North Carolina Consumer Council.
Family and household
- Immediate family members of current RTP Federal Credit Union members (spouses, parents, children, brothers, sisters, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships) are eligible to join.
- Persons living in the same residence maintaining a single economic unit with a current member (including domestic partners, foster children, legal guardians, and roommates) are eligible to join.
Membership information collected October 4, 2026.