Credit union · NCUA insured
Santa Barbara Teachers FCU Savings Rates
Santa Barbara Teachers FCU’s best savings rate is 0.90% APY on $10,000, with its Share Savings. Rates checked October 16, 2026.
How Santa Barbara Teachers FCU’s savings rates compare
Compared with banks and credit unions near Santa Maria, CA, where Santa Barbara Teachers FCU has the most branches. $10,000, best rate first.
This credit union’s best
Santa Barbara Teachers FCU
0.90%APY
- Minimum
- —
- Earns on $10,000 a year
- $90
Share Savings
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 Teachers FCU savings score
84
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.70%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0002.12%
- QualifiedQualified0.90%
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 Teachers FCU 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.
Share Savings
0.90%APY
All members earn dividends based on the average daily balance for deposits within designated ranges. Average ending share balance for each day of the month determines dividend rate. Dividends are compounded monthly and credited on the last day of the month. Funds available for withdrawal at any time without penalty. Minimum balance of $25 is required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.50% | — |
| $501 – $2,500 | 0.70% | — |
| $2,501 – $15,000 | 0.90% | $90 |
| $15,001 – $40,000 | 1.31% | — |
| $40,001 – $70,000 | 1.71% | — |
| $70,001 – $100,000 | 2.12% | — |
| $100,001 and up | 2.53% | — |
Sources (1)
- sbtfcu.org/accounts/account-services/deposit-rates · captured Sep 16, 2026
Who can join Santa Barbara Teachers FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of approved independent schools are eligible for membership.
- Membership is open to all public school district employees in Santa Barbara County.
Family and household
- Family members (grandparents, parents, husband, wife, brothers, sisters, children and grandchildren) of members may join.
Cost to join
- A minimum deposit of $25 is required.
- A membership fee of $5 is required.
Membership information collected October 5, 2026.