Credit union · NCUA insured
San Juan Mountains CU Savings Rates
Top CarrotSan Juan Mountains CU’s best savings rate is 1.46% APY on $10,000, with its High Yield Accounts. Rates checked October 22, 2026.
How San Juan Mountains CU’s savings rates compare
Compared with banks and credit unions near Montrose, CO, where San Juan Mountains CU has the most branches. $10,000, best rate first.
This credit union’s best
San Juan Mountains CU
1.46%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $146
High Yield Accounts
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
3rd-highest rate
BMO
0.80%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $80
San Juan Mountains CU savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0001.26%
- $10,000 balance$10,0001.46%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.46%
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 Juan Mountains CU 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.
High Yield Accounts
1.46%APY
Tiered rate account; if the account balance falls within the range applicable to a particular tier, the interest rate and Annual Percentage Yield for that tier apply to the full balance in the account. Dividends are compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $5,000Applicable for Regular High Yield tier. | 1.26% | — | Applicable for Regular High Yield tier. |
| $5,000 – $75,000Applicable for High Yield tier. | 1.46% | $146 | Applicable for High Yield tier. |
| Over $75,000Applicable for High Yield tier. | 1.76% | — | Applicable for High Yield tier. |
Sources (3)
- sjmcreditunion.org/s/Explanati…-SJMCU-07-01-25-ADA2.pdf
- sjmcreditunion.org/savings-rates
- sjmcreditunion.org/high-yield-accounts
All captured Sep 17, 2026
Regular Share Accounts
0.05%APY
All memberships start with a #1 Regular Share Account with a minimum $25.00 investment. Dividend rate and APY may change at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.05% | $5 |
Sources (3)
- sjmcreditunion.org/s/Explanati…-SJMCU-07-01-25-ADA2.pdf
- sjmcreditunion.org/savings-rates
- sjmcreditunion.org/share-accounts
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club Account
0.20%APY
Maximum account deposit is $3,000.00. The entire balance will be paid by check or transferred to another account on or after November 1, and the account remains open. A service charge applies if withdrawal is made before the end of the club term; transfers/withdrawals allowed in first 7 days without restriction.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $3,000 | 0.20% | — |
Sources (3)
- sjmcreditunion.org/s/Explanati…-SJMCU-07-01-25-ADA2.pdf
- sjmcreditunion.org/savings-rates
- sjmcreditunion.org/share-accounts
All captured Sep 17, 2026
Kids Club
0.15%APY
Tiered rate account. Maximum $1,000.00 balance; if balance exceeds $1,000.00, the interest rate reverts to that of a regular savings account. When the account owner reaches 18 years of age, funds are transferred to a regular savings account with a $25.00 minimum deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Rate applies to balances up to $1,000.00; balances above $1,000.00 revert to regular share rate.Up to $1,000 | 0.15% | — | Rate applies to balances up to $1,000.00; balances above $1,000.00 revert to regular share rate. |
Sources (3)
- sjmcreditunion.org/s/Explanati…-SJMCU-07-01-25-ADA2.pdf
- sjmcreditunion.org/savings-rates
- sjmcreditunion.org/share-accounts
All captured Sep 17, 2026
IRA Savings
0.04%APY
Dividends are compounded and paid monthly. Dividend rate and APY may change at any time as determined by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.04% | $4 |
Sources (2)
All captured Sep 17, 2026
Who can join San Juan Mountains CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Montrose, Gunnison, San Miguel, Hindsdale, Ouray, Delta, or Mesa County.
Employers and groups
- Eligibility is available through participating Select Employer Groups (SEGs).
Family and household
- All family members of an existing credit union member are eligible for membership.
Cost to join
- A $25.00 deposit is required to start a share account upon completing the membership new account card.
Membership information collected October 4, 2026.