Credit union · NCUA insured
Siouxland Federal Credit Union Savings Rates
Top CarrotSiouxland Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account (MMA). Rates checked October 22, 2026.
How Siouxland Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Sioux City, IA-NE-SD, where Siouxland Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Siouxland Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $75
Money Market Account (MMA)
Top rate
First Dakota National Bank
2.57%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $257
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Siouxland Federal Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.75%
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 Siouxland 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 (MMA)
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Variable rate account. | 0.20% | — | Variable rate account. |
| $1,000 – $24,999Variable rate account. | 0.75% | $75 | Variable rate account. |
| $25,000 and upVariable rate account. | 1.25% | — | Variable rate account. |
Sources (2)
- siouxlandfederalcu.com/member-resources/current-rates
- siouxlandfederalcu.com/account…ersonal-savings-accounts
All captured Oct 5, 2026
Regular Share Account
0.20%APY
Basic savings plan entitling member to apply for all other services. Paid dividends. Dividends paid 9/30/2026. These are variable rate accounts. Rates subject to change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0*The 'Minimum Deposit' is required to open the account. **The 'Minimum Balance' is required to earn the disclosed APY. Dividends paid 9/30/2026.Over $0 | 0.20% | $20 | *The 'Minimum Deposit' is required to open the account. **The 'Minimum Balance' is required to earn the disclosed APY. Dividends paid 9/30/2026. |
Sources (2)
- siouxlandfederalcu.com/member-resources/current-rates
- siouxlandfederalcu.com/account…ersonal-savings-accounts
All captured Oct 22, 2026
Special-purpose accounts
$mart $aver Club Account
0.20%APY
For children under age 18 (ages 0 - 17 years). Offers a special dividend rate and dividends are paid quarterly on the average daily balance. These are variable rate accounts. Rates subject to change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0For children under age 18. *The 'Minimum Deposit' is required to open the account. **The 'Minimum Balance' is required to earn the disclosed APY. Dividends paid quarterly on average daily balance.Over $0 | 0.20% | $20 | For children under age 18. *The 'Minimum Deposit' is required to open the account. **The 'Minimum Balance' is required to earn the disclosed APY. Dividends paid quarterly on average daily balance. |
Sources (2)
- siouxlandfederalcu.com/member-resources/current-rates
- siouxlandfederalcu.com/account…ersonal-savings-accounts
All captured Oct 22, 2026
Christmas Club Account
0.20%APY
Funds may be deposited either directly by the member or through payroll deduction. Earns dividends. Funds are disbursed into your Share Account the first week in November. These are variable rate accounts. Rates subject to change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0*The 'Minimum Deposit' is required to open the account. **The 'Minimum Balance' is required to earn the disclosed APY.Over $0 | 0.20% | $20 | *The 'Minimum Deposit' is required to open the account. **The 'Minimum Balance' is required to earn the disclosed APY. |
Sources (2)
- siouxlandfederalcu.com/member-resources/current-rates
- siouxlandfederalcu.com/account…ersonal-savings-accounts
All captured Oct 22, 2026
Variable IRA Savings
0.20%APY
These are variable rate accounts. Rates subject to change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0*The 'Minimum Deposit' is required to open the account. **The 'Minimum Balance' is required to earn the disclosed APY.Over $0 | 0.20% | $20 | *The 'Minimum Deposit' is required to open the account. **The 'Minimum Balance' is required to earn the disclosed APY. |
Sources (1)
- siouxlandfederalcu.com/member-resources/current-rates · captured Oct 22, 2026
Who can join Siouxland 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 persons who live, work, worship, or attend school in, and business and other legal entities located within prescribed underserved rural district qualifying census tracts across specified counties in Iowa, Nebraska, South Dakota, Kansas, and Missouri.
Employers and groups
- Membership is open to employees and members of the Community Impact Fund.
- Membership is open to employees of Siouxland Federal Credit Union.
- Membership is open to organizations of eligible persons, and corporate or other legal entities of this charter.
- Membership is open to persons retired or pensioners or annuitants from qualifying employment.
- Membership is open to employees of Tyson Packing plant who work in, or are paid or supervised from, or are headquartered in Dakota City, NE.
4 more ways to join
Employers and groups
- Membership is open to volunteers of qualifying groups.
Family and household
- Membership is open to members of the immediate family or household of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership of Siouxland Federal Credit Union.
Other ways
- Membership is open to current members of record as of September 9, 2026.
Membership information collected October 4, 2026.