Credit union · NCUA insured
SLO Credit Union Savings Rates
SLO Credit Union’s best savings rate is 0.10% APY on $10,000, with its Member Savings Account. Rates checked October 16, 2026.
How SLO Credit Union’s savings rates compare
Compared with banks and credit unions near San Luis Obispo, CA, where SLO Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SLO Credit Union
0.10%APY
- Minimum
- $5
- Earns on $10,000 a year
- $10
Member Savings Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Columbia Bank
2.00%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $200
SLO Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 SLO 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.
Member Savings Account
0.10%APY
A $5.00 deposit into a Member Savings Account establishes membership share in the credit union and qualifies members to open any other account type. Variable rate. Dividends calculated by daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upVariable rate. Minimum balance to earn disclosed APY is $100.00.$100 and up | 0.10% | $10 | Variable rate. Minimum balance to earn disclosed APY is $100.00. |
Sources (5)
- slocu.com/accounts-3
- slocu.com/wp-content/uploads/A…e-and-Agreement-5_25.pdf
- slocu.com/accounts
- slocu.com/rates
- slocu.com/saving-accounts
All captured Oct 16, 2026
Special-purpose accounts
Grow with SLO Youth Savings Account
Up to 5.10%APY
Designed for children, grandchildren, and young members to build savings habits early. Parents or guardians can open an account on behalf of a minor. Variable rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upVariable rate tier for balances starting at $1.00. | 5.10% | $510 | Variable rate tier for balances starting at $1.00. |
| Over $1,000Variable rate tier for balances $1000.01 and above. | 0.10% | $10 | Variable rate tier for balances $1000.01 and above. |
Sources (4)
All captured Oct 16, 2026
Holiday Club Savings Account
1.00%APY
Club savings account to save for holiday expenses with scheduled automatic transfers. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upVariable rate. Minimum balance to earn APY is $100.$100 and up | 1.00% | $100 | Variable rate. Minimum balance to earn APY is $100. |
Sources (4)
All captured Oct 16, 2026
IRA Share Account
0.10%APY
Available as Traditional IRA and Roth IRA accounts for retirement planning. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upVariable rate. Minimum balance to earn APY is $100.$100 and up | 0.10% | $10 | Variable rate. Minimum balance to earn APY is $100. |
Sources (4)
All captured Oct 16, 2026
Who can join SLO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in San Luis Obispo County are eligible for membership.
- Individuals who regularly work in San Luis Obispo County are eligible for membership.
Military, government and schools
- Individuals who attend school in San Luis Obispo County are eligible for membership.
Family and household
- Immediate family members of existing members (spouses, children, parents, grandparents, and grandchildren, including step or adoptive relationships) are eligible for membership.
Cost to join
- Membership requires opening a SLO Savings account with a $5.00 minimum deposit.
Membership information collected October 5, 2026.