Credit union · NCUA insured
San Antonio Citizens Federal Credit Union Savings Rates
San Antonio Citizens Federal Credit Union’s best savings rate is 1.31% APY on $10,000, with its MONEY MARKET ACCOUNT. Rates checked October 5, 2026.
How San Antonio Citizens Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Tampa, FL, where San Antonio Citizens Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
San Antonio Citizens Federal Credit Union
1.31%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $131
MONEY MARKET ACCOUNT
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
San Antonio Citizens Federal Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.31%
- $10,000 balance$10,0001.31%
- $100,000 balance$100,0001.45%
- QualifiedQualified1.31%
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 San Antonio Citizens 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
1.31%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 1.31% | $131 |
| $50,000 and up | 1.36% | — |
| $100,000 and up | 1.45% | — |
| $250,000 and up | 1.23% | — |
| $500,000 and up | 0.75% | — |
Sources (1)
- sacfcu.org/rates · captured Sep 18, 2026
Additional Share Savings
0.10%APY
Additional Share accounts can be opened and assigned personalized names to segment savings goals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Membership Share Savings
0.10%APY
Initial deposit of $5.00 serves as share of ownership in credit union and is placed on hold throughout membership. Dividends calculated daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends calculated daily and credited monthly. Initial $5.00 deposit required for membership share.$5 and up | 0.10% | $10 | Dividends calculated daily and credited monthly. Initial $5.00 deposit required for membership share. |
Sources (4)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account
0.30%APY
No service charge and no minimum balance requirement. Initial minimum deposit to open is $5.00. Dividends calculated daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo service charge and no minimum balance requirement. Dividends calculated daily and credited monthly.Any balance | 0.30% | $30 | No service charge and no minimum balance requirement. Dividends calculated daily and credited monthly. |
Christmas Club
0.10%APY
Withdrawal restrictions apply; funds automatically transfer to checking account on November 1st. No minimum balance required to start saving and no monthly fees. Earns monthly dividends on balances over $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns monthly dividends on balances over $100 (calculated daily and credited monthly). Funds automatically transfer to checking on November 1st.$100 and up | 0.10% | $10 | Earns monthly dividends on balances over $100 (calculated daily and credited monthly). Funds automatically transfer to checking on November 1st. |
Who can join San Antonio Citizens 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
- Open to anyone who lives, works, worships, or attends school in Pasco and Hernando Counties.
Employers and groups
- Open to all businesses located in Pasco and Hernando County, as well as businesses located outside the field of membership owned by persons eligible for membership.
Family and household
- Open to immediate family members of all current or eligible members.
Cost to join
- Requires opening a Savings account with as little as $5.00 by visiting one of four offices.
Membership information collected October 5, 2026.