Credit union · NCUA insured
Santa Barbara County Federal Credit Union Savings Rates
Top CarrotSanta Barbara County Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Santa Barbara County Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Santa Maria, CA, where Santa Barbara County Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Santa Barbara County Federal Credit Union
1.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
First Bank
2.90%APY
- Minimum
- $100
- Earns on $10,000 a year
- $290
Santa Barbara County Federal Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.30%
- 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 Santa Barbara County 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
1.00%APY
Tiered rates based on balance; requires SBCFCU membership.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Variable rate subject to change. | 1.00% | $100 | Variable rate subject to change. |
| $25,000 – $49,999Variable rate subject to change. | 1.20% | — | Variable rate subject to change. |
| $50,000 – $99,999Variable rate subject to change. | 2.00% | — | Variable rate subject to change. |
| $100,000 and upVariable rate subject to change. | 2.30% | — | Variable rate subject to change. |
Sources (1)
- sbcreditunion.com/savings · captured Oct 16, 2026
Non-Interest Share Account
0.00%APY
No dividends are paid on this account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo dividends are paid on this account. No minimum balance requirements apply.Any balance | 0.00% | $0 | No dividends are paid on this account. No minimum balance requirements apply. |
Sources (1)
- sbcreditunion.com/santa-barbara-credit-union · captured Sep 16, 2026
Who can join Santa Barbara County Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.