Credit union · NCUA insured
Sacramento Credit Union Savings Rates
Sacramento Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Sacramento Credit Union’s savings rates compare
Compared with banks and credit unions near Sacramento, CA, where Sacramento Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sacramento Credit Union
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Money Market
Top rate
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Sacramento Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.02%
- 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 Sacramento 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
1.00%APY
Money Market requires $2,500 to open. Dividends are compounded and credited monthly. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.15% | — |
| $10,000 – $24,999 | 1.00% | $100 |
| $25,000 – $49,999 | 1.00% | — |
| $50,000 – $99,999 | 1.76% | — |
| $100,000 – $249,999 | 2.02% | — |
| $250,000 – $499,999 | 2.50% | — |
| $500,000 and up | 3.51% | — |
Sources (3)
All captured Oct 16, 2026
Premium Money Market
Up to 3.51%APY
Premium Money Market requires $50,000 to open. Dividends are compounded and credited monthly. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50,000 – $99,999 | 1.76% | — |
| $100,000 – $249,999 | 2.02% | — |
| $250,000 – $499,999 | 2.50% | — |
| $500,000 and up | 3.51% | — |
Sources (2)
All captured Oct 16, 2026
Savings Accounts (All Types)
0.08%APY
Savings Account requires $25 to open. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 – $999Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.05% | — | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
| $1,000 – $4,999Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.05% | — | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
| $5,000 – $9,999Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.05% | — | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
| $10,000 – $99,999Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.08% | $8 | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
| $100,000 and upDividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.15% | — | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Accounts (All Types)
0.08%APY
Includes Traditional and Roth IRAs. Dividend Rate and APY may change anytime as determined by the credit union board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 – $999Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.05% | — | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
| $1,000 – $4,999Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.05% | — | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
| $5,000 – $9,999Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.05% | — | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
| $10,000 – $99,999Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.08% | $8 | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
| $100,000 and upDividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. | 0.15% | — | Dividends are compounded and credited monthly. Fees may reduce earnings. Dividend Rate and APY may change anytime as determined by the credit union board of directors. |
Sources (2)
All captured Oct 16, 2026
Who can join Sacramento Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
- Membership is open to anyone who regularly works in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
Other ways
- Membership is open to any business, corporation, or legal entity operating in El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, or Yuba County, California.
Cost to join
- Joining requires an initial deposit of at least $25 in cash or check ($50 if opening both a Savings and Checking Account).
Membership information collected October 5, 2026.