Credit union · NCUA insured
SEG Federal Credit Union Savings Rates
SEG Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Auxiliary Shares. Rates checked October 22, 2026.
How SEG Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Billings, MT, where SEG Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SEG Federal Credit Union
0.50%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
Auxiliary Shares
Top rate
Billings Federal Credit Union
2.50%APY
- Minimum
- $5
- Earns on $10,000 a year
- $250
2nd-highest rate
Altana Federal Credit Union
2.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $200
SEG Federal Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 SEG 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.
Auxiliary Shares
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 and up$1000 min., $1500 to earn dividend$1,500 and up | 0.50% | $50 | $1000 min., $1500 to earn dividend |
Sources (1)
- segfcu.org/index.php/get-to-know-seg/current-rates · captured Oct 4, 2026
Alternate Shares
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum$25 and up | 0.20% | $20 | $25 minimum |
Sources (1)
- segfcu.org/index.php/get-to-know-seg/current-rates · captured Oct 4, 2026
Base Shares
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$5 minimum, $25 to earn dividend$25 and up | 0.15% | $15 | $5 minimum, $25 to earn dividend |
Sources (1)
- segfcu.org/index.php/get-to-know-seg/current-rates · captured Oct 4, 2026
Special-purpose accounts
Christmas Club
1.50%APY
Automatic disbursements are made on Nov. 1st or next business day. Fee assessed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$5.00 opening deposit; $25.00 minimum balance to earn dividends$25 and up | 1.50% | $150 | $5.00 opening deposit; $25.00 minimum balance to earn dividends |
Sources (2)
- segfcu.org/index.php/services/2-site/51-christmas-club
- segfcu.org/index.php/get-to-know-seg/current-rates
All captured Oct 4, 2026
IRA Shares
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999 | 0.25% | — | |
| $5,000 – $14,999APY range stated as 0.25% - 0.284% | 0.30% | $30 | APY range stated as 0.25% - 0.284% |
| $15,000 and upAPY range stated as 0.284% - 0.349% | 0.35% | — | APY range stated as 0.284% - 0.349% |
Sources (1)
- segfcu.org/index.php/get-to-know-seg/current-rates · captured Oct 4, 2026
Who can join SEG 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
- Persons who live, work, worship, or attend school in Carbon or Stillwater County are eligible for membership.
Employers and groups
- Employees of a Select Employee Group located in Laurel, Montana are eligible for membership.
Family and household
- Persons who have a relative who is a member of SEG Federal Credit Union are eligible for membership.
Membership information collected October 4, 2026.