Credit union · NCUA insured
Signet Federal Credit Union Savings Rates
Top CarrotSignet Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Regular Savings. Rates checked October 22, 2026.
How Signet Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Paducah, KY-IL, where Signet Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Signet Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $50
Special Savings
Top rate
FNB Bank
3.42%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $342
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Signet Federal Credit Union savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.25%
- 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 Signet 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.
Special-purpose accounts
Cub Account
1.40%APY on $10,000
Designed for children under 12. Must be opened in person at a branch by an adult/parent/legal guardian on behalf of the child. Requires child's Social Security card, birth certificate, adult's government-issued photo ID, and $10 minimum opening deposit. On 12th birthday, automatically transfers to a regular Signet Savings account. Not eligible for rebates.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 5.00% |
| Over $1,000 | 1.00% |
On $10,000 the tiers blend to about 1.40% APY, earning $140 a year.
Sources (1)
- signetfcu.com/bears · captured Oct 5, 2026
Health Savings Account
1.25%APY
Includes health savings debit card. Dividends paid quarterly determined by the average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rates and dividends determined by average daily balance method and credited quarterly.Any balance | 1.25% | $125 | Interest rates and dividends determined by average daily balance method and credited quarterly. |
Sources (1)
- signetfcu.com/savings · captured Oct 5, 2026
IRAs - Variable Rate
1.25%APY
Available for IRA and Roth IRA. Dividends calculated using average daily balance method and credited quarterly. Minimum deposit of $1,000 required to open and maintain.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest rates and dividends determined by average daily balance method and credited quarterly. $1,000 minimum deposit required to open and maintain.Any balance | 1.25% | $125 | Interest rates and dividends determined by average daily balance method and credited quarterly. $1,000 minimum deposit required to open and maintain. |
Regular Savings
0.50%APY
No monthly service fees. Dividends paid quarterly determined by the average daily balance method. Accounts with no activity for one year and balance less than $100.00 assessed a $10.00 monthly dormant fee (under 18 exempt). Opening minimum $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Average daily balance method; dividends credited quarterly. | 0.40% | — | Average daily balance method; dividends credited quarterly. |
| $5,000 – $10,000Average daily balance method; dividends credited quarterly. | 0.50% | $50 | Average daily balance method; dividends credited quarterly. |
| $10,000 – $25,000Average daily balance method; dividends credited quarterly. | 0.95% | — | Average daily balance method; dividends credited quarterly. |
| $25,000 – $100,000Average daily balance method; dividends credited quarterly. | 1.10% | — | Average daily balance method; dividends credited quarterly. |
| $100,000 and upAverage daily balance method; dividends credited quarterly. | 1.25% | — | Average daily balance method; dividends credited quarterly. |
Sources (1)
- signetfcu.com/savings · captured Oct 5, 2026
Special Savings
0.50%APY
No monthly service fees. Dividends paid quarterly determined by the average daily balance method. Accounts with no activity for one year and balance less than $100.00 assessed a $10.00 monthly dormant fee (under 18 exempt). Opening minimum $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Average daily balance method; dividends credited quarterly. | 0.40% | — | Average daily balance method; dividends credited quarterly. |
| $5,000 – $10,000Average daily balance method; dividends credited quarterly. | 0.50% | $50 | Average daily balance method; dividends credited quarterly. |
| $10,000 – $25,000Average daily balance method; dividends credited quarterly. | 0.95% | — | Average daily balance method; dividends credited quarterly. |
| $25,000 – $100,000Average daily balance method; dividends credited quarterly. | 1.10% | — | Average daily balance method; dividends credited quarterly. |
| $100,000 and upAverage daily balance method; dividends credited quarterly. | 1.25% | — | Average daily balance method; dividends credited quarterly. |
Sources (1)
- signetfcu.com/savings · captured Oct 5, 2026
Christmas Savings
0.40%APY
Combined with payroll deduction or direct deposit, builds throughout the year, and funds are disbursed via check or rolled over to checking in October. Daily average balance must be $5.00 or above to earn interest. Interest/dividends determined by average daily balance method and credited quarterly. No minimum opening amount required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDaily average balance must be $5.00 or above. Interest rates and dividends determined by average daily balance method and credited quarterly.$5 and up | 0.40% | $40 | Daily average balance must be $5.00 or above. Interest rates and dividends determined by average daily balance method and credited quarterly. |
Vacation Savings
0.40%APY
No monthly fee. Interest rates and dividends determined by average daily balance method and credited quarterly. Daily average balance must be $5.00 or above to earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRate and APY listed as 0.40% on rates schedule; page prose states 0.30% interest for accounts maintaining $5 or above. Interest rates and dividends determined by average daily balance method and credited quarterly.$5 and up | 0.40% | $40 | Rate and APY listed as 0.40% on rates schedule; page prose states 0.30% interest for accounts maintaining $5 or above. Interest rates and dividends determined by average daily balance method and credited quarterly. |
Who can join Signet 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
- Membership is open to anyone who lives, works, volunteers, attends church, or attends school in Ballard, Calloway, Carlisle, Crittenden, Fulton, Graves, Hickman, Livingston, Lyon, Marshall, and McCracken counties.
Membership information collected October 4, 2026.