Credit union · NCUA insured
Signature Federal Credit Union Savings Rates
Top CarrotSignature Federal Credit Union’s best savings rate is 2.25% APY on $10,000, with its Premium Savings. Rates checked October 22, 2026.
How Signature Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Signature Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Signature Federal Credit Union
2.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $225
Premium Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Signature Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.25%
- $100,000 balance$100,0003.00%
- QualifiedQualified2.25%
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 Signature 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.
Premium Savings
2.25%APY
Tiered rate account. Dividends are compounded and credited quarterly using the Average Daily Balance method. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Tier for balances from $100.00 to $9,999.99. No monthly fee. | 2.00% | — | Tier for balances from $100.00 to $9,999.99. No monthly fee. |
| $10,000 – $50,000Tier for balances from $10,000.00 to $49,999.99. No monthly fee. | 2.25% | $225 | Tier for balances from $10,000.00 to $49,999.99. No monthly fee. |
| $50,000 – $100,000Tier for balances from $50,000.00 to $99,999.99. No monthly fee. | 2.50% | — | Tier for balances from $50,000.00 to $99,999.99. No monthly fee. |
| $100,000 and upTier for balances of $100,000.00 and above. No monthly fee. | 3.00% | — | Tier for balances of $100,000.00 and above. No monthly fee. |
Sources (2)
All captured Oct 22, 2026
Signature High-Yield Savings
Up to 2.00%APY
Must be bundled with Signature Cash Back Checking or Signature High-Yield Checking and enrolled in Online Branch or SFCU Mobile Banking App service. Only one Signature High-Yield Savings account per membership. Not a stand-alone product. If linked checking account qualifications are met during monthly cycle, qualifying rates apply; otherwise base rate applies. If checking account is closed, converts to standalone savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifying tier on balances of $100,000.00 and below when monthly checking qualifications are met (15 debit card transactions, 1 direct deposit of $500, e-statements). | 2.00% | $200 | Qualifying tier on balances of $100,000.00 and below when monthly checking qualifications are met (15 debit card transactions, 1 direct deposit of $500, e-statements). |
| Any balanceBase rate applied to entire balance when linked checking account monthly qualifications are not met. | 0.05% | $5 | Base rate applied to entire balance when linked checking account monthly qualifications are not met. |
| $100 and upDisclosed schedule rate for $100.00 minimum balance. | 0.25% | $25 | Disclosed schedule rate for $100.00 minimum balance. |
| Over $100,000Qualifying rate of 0.499% dividend rate on the portion of balance over $100,000.01, resulting in blended APY ranging from 2.00% to 1.50% (or 1.25%) depending on balance when monthly checking qualifications are met. | 0.50% | — | Qualifying rate of 0.499% dividend rate on the portion of balance over $100,000.01, resulting in blended APY ranging from 2.00% to 1.50% (or 1.25%) depending on balance when monthly checking qualifications are met. |
Sources (2)
All captured Sep 19, 2026
Money Market Account
Up to 1.25%APY
Limited to 6 withdrawals per month. Annual Percentage Yield can change monthly. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upLimited to 6 withdrawals per month. APY can change monthly. | 1.10% | $110 | Limited to 6 withdrawals per month. APY can change monthly. |
| $10,000 and upLimited to 6 withdrawals per month. APY can change monthly. | 1.25% | $125 | Limited to 6 withdrawals per month. APY can change monthly. |
| $50,000 and upLimited to 6 withdrawals per month. APY can change monthly. | 1.50% | — | Limited to 6 withdrawals per month. APY can change monthly. |
Sources (2)
All captured Sep 19, 2026
Regular Share Savings
0.10%APY
Dividends are calculated using the Average Daily Balance method and are compounded and credited quarterly. Member must maintain a primary share savings balance of at least $5.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Minimum balance to open is $5. Balances under $100 earn 0.00% APY. | 0.00% | — | Minimum balance to open is $5. Balances under $100 earn 0.00% APY. |
| $100 and upDividends calculated by Average Daily Balance method. No minimum balance required to avoid monthly fees. | 0.10% | $10 | Dividends calculated by Average Daily Balance method. No minimum balance required to avoid monthly fees. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Share
0.75%APY
IRA Share savings account (includes Traditional IRA, Roth IRA, and Coverdell ESA). Limitations on withdrawals and deposits set by IRS. Dividends calculated by Average Daily Balance method, compounded and credited quarterly. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Tier for balances from $0.00 to $19,999.99. No minimum balance required to earn dividends. No monthly fee. | 0.75% | $75 | Tier for balances from $0.00 to $19,999.99. No minimum balance required to earn dividends. No monthly fee. |
| $20,000 – $50,000Tier for balances from $20,000.00 to $49,999.99. No monthly fee. | 0.80% | — | Tier for balances from $20,000.00 to $49,999.99. No monthly fee. |
| $50,000 – $100,000Tier for balances from $50,000.00 to $99,999.99. No monthly fee. | 0.90% | — | Tier for balances from $50,000.00 to $99,999.99. No monthly fee. |
| $100,000 and upTier for balances of $100,000.00 and above. No monthly fee. | 1.00% | — | Tier for balances of $100,000.00 and above. No monthly fee. |
Sources (2)
All captured Oct 22, 2026
Club Accounts
0.25%APY
Includes Holiday Club, Vacation Club, Convention Club, and Name Your Own Club accounts. Dividends compounded and credited quarterly using Average Daily Balance method. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.00. No monthly fee or minimum opening deposit.$100 and up | 0.25% | $25 | Minimum balance to earn dividends is $100.00. No monthly fee or minimum opening deposit. |
Sources (2)
All captured Oct 22, 2026
Youth Savings
0.25%APY
For members ages 0-17. Qualified guardian (18+) must be joint on all youth accounts. No monthly fees. Eligible for promotional end-of-year report card deposit of $5 per A up to $20 per year. Not eligible for external transfers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to open and earn dividends is $5.00. No monthly maintenance fee.$5 and up | 0.25% | $25 | Minimum balance to open and earn dividends is $5.00. No monthly maintenance fee. |
Who can join Signature Federal Credit Union
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