Credit union · NCUA insured
Social Security Credit Union Savings Rates
Social Security Credit Union’s best savings rate is 0.65% APY on $10,000, with its Super Money Market. Rates checked October 22, 2026.
How Social Security Credit Union’s savings rates compare
Compared with banks and credit unions near Birmingham, AL, where Social Security Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Social Security Credit Union
0.65%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $65
Super Money Market
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Social Security Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.65%
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 Social Security 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.
Super Money Market
0.65%APY
All members must open a Share/Savings Account before being offered services. Write up to three (3) checks per month. Variable Rate Account - Rate subject to change; fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Variable Rate Account - Rate subject to change. Fees may reduce earnings. | 0.55% | — | Variable Rate Account - Rate subject to change. Fees may reduce earnings. |
| $10,000 and upVariable Rate Account - Rate subject to change. Fees may reduce earnings. | 0.65% | $65 | Variable Rate Account - Rate subject to change. Fees may reduce earnings. |
Clubs
0.45%APY
Variable rate account, rate subject to change, fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a minimum average daily balance of $100.00 in account to obtain disclosed annual percentage yield.$100 and up | 0.45% | $45 | Must maintain a minimum average daily balance of $100.00 in account to obtain disclosed annual percentage yield. |
Sources (1)
- ssacu.com/dividend-rates · captured Sep 19, 2026
Savings
0.45%APY
All members must open up a Share/Savings Account before being offered any services. Open with $25 ($25 that you must keep in the account at all times). Variable rate account, rate subject to change, fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$25.00 minimum balance required; must maintain a minimum average daily balance of $100.00 in account to obtain the disclosed annual percentage yield.$100 and up | 0.45% | $45 | $25.00 minimum balance required; must maintain a minimum average daily balance of $100.00 in account to obtain the disclosed annual percentage yield. |
Special-purpose accounts
IRA Club
0.55%APY
Variable rate account, rate subject to change, fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$25.00 minimum; must maintain a minimum average daily balance of $100.00 in account to obtain disclosed APY.$100 and up | 0.55% | $55 | $25.00 minimum; must maintain a minimum average daily balance of $100.00 in account to obtain disclosed APY. |
Sources (1)
- ssacu.com/dividend-rates · captured Sep 19, 2026
Who can join Social Security Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- All permanent contracted employees that work in the Social Security Administration Building are eligible for membership.
- Individuals in other offices or divisions under the jurisdiction of the Southeastern Program Service Center are eligible for membership.
Military, government and schools
- Federal employees located in the Greater Metropolitan Birmingham area are eligible for membership.
- Current and retired employees of the Social Security Administration and other Department of Health and Human Services offices in the Metropolitan Birmingham area are eligible for membership.
Family and household
- Family members of the member, related by blood or marriage, are eligible for membership.
Membership information collected October 4, 2026.