Credit union · NCUA insured
Southbridge Credit Union Savings Rates
Southbridge Credit Union’s best savings rate is 1.25% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Southbridge Credit Union’s savings rates compare
Compared with banks and credit unions near Worcester, MA, where Southbridge Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southbridge Credit Union
1.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $125
Money Market
Top rate
Clinton Savings Bank
3.85%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $385
2nd-highest rate
Country Bank for Savings
3.60%APY
- Requires
- Another account
- Minimum
- $10
- Earns on $10,000 a year
- $360
Southbridge Credit Union savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.25%
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 Southbridge 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
1.25%APY
The minimum balance required to open and maintain this account is $2,500.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.75% | — |
| $2,500 – $10,000 | 1.00% | — |
| $10,000 – $50,000 | 1.25% | $125 |
| $50,000 – $100,000 | 1.50% | — |
| $100,000 and up | 2.00% | — |
Kasasa Saver with Cash
Up to 1.00%APY
Must be linked to a free Kasasa Cash checking account. Limit of 2 Kasasa Saver with Cash per tax identification number. Personal accounts only. Requires a one-time dividend-earning deposit of $5 in a prime savings account. Free online banking, mobile banking, eStatements, and debit/ATM card available with no annual fee. No monthly service fee. $5 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000When qualifications are met on linked Kasasa Cash account (at least 1 direct deposit or automatic payment ACH, at least 12 debit card transactions post and settle, and enrollment in online banking and eStatements). | 1.00% | $100 | When qualifications are met on linked Kasasa Cash account (at least 1 direct deposit or automatic payment ACH, at least 12 debit card transactions post and settle, and enrollment in online banking and eStatements). |
| Over $0Earned in the event minimum qualification requirements are not met on the linked Kasasa Cash account during the monthly qualification cycle. No minimum balance required to earn rewards. | 0.05% | $5 | Earned in the event minimum qualification requirements are not met on the linked Kasasa Cash account during the monthly qualification cycle. No minimum balance required to earn rewards. |
Sources (3)
All captured Oct 5, 2026
Kasasa Saver with Cash Back
Up to 1.00%APY
Must be linked to a free Kasasa Cash Back checking account (or Kasasa Cash checking account). Rewards earned automatically post/transfer to Kasasa Saver. Limit of 2 Kasasa Saver with Cash Back per tax identification number. Personal accounts only. Requires a one-time dividend-earning deposit of $5 in a prime savings account. Free online banking, mobile banking, eStatements, and debit/ATM card available with no annual fee. No monthly service fee. $5 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000When qualifications are met on linked Kasasa Cash Back/Cash account. | 1.00% | $100 | When qualifications are met on linked Kasasa Cash Back/Cash account. |
| Over $0Earned in the event minimum qualification requirements are not met on the linked account during the monthly qualification cycle. | 0.05% | $5 | Earned in the event minimum qualification requirements are not met on the linked account during the monthly qualification cycle. |
Sources (3)
- southbridgecu.com/kasasa-saver-with-cash-back
- southbridgecu.com/rates
- southbridgecu.com/savings-accounts
All captured Oct 5, 2026
Prime Share Savings
0.05%APY
Membership to Southbridge Credit Union requires a one-time dividend-earning deposit of $5.00 in a prime share savings account to establish and maintain partial ownership/membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
All Purpose Club
0.05%APY
Requires Southbridge Credit Union membership established by a prime share savings account with a $5.00 minimum balance. $10.00 minimum balance required to open account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Christmas Club
0.05%APY
Requires Southbridge Credit Union membership established by a prime share savings account with a $5.00 minimum balance. Deposits made throughout the year, and every year on November 1 funds automatically transfer into SCU savings or checking account. $10.00 minimum balance required to open account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Who can join Southbridge 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 individuals, businesses, and organizations that reside, work, or operate in Worcester, Bristol, Franklin, Hampshire, Norfolk, Hampden, or Middlesex County, MA, or Windham County, CT.
Cost to join
- New members can get started by opening an account with as little as $5.00.
Membership information collected October 5, 2026.