Credit union · NCUA insured
Southcoast Credit Union Savings Rates
Southcoast Credit Union’s best savings rate is 0.10% APY on $10,000, with its Tiered Savings/Money Market Accounts. Rates checked October 15, 2026.
How Southcoast Credit Union’s savings rates compare
Compared with banks and credit unions near Providence, RI-MA, where Southcoast Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southcoast Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Tiered Savings/Money Market Accounts
Top rate
St. Anne's Credit Union
4.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $495
2nd-highest rate
Alltrust Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Southcoast Credit Union savings score
66
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0001.50%
- 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 Southcoast 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.
Tiered Savings/Money Market Accounts
0.10%APY
Variable rate - Rate may change after account opening. Dividends compound monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,500Variable rate - Rate may change after account opening. | 0.03% | — | Variable rate - Rate may change after account opening. |
| $2,500 – $10,000Variable rate - Rate may change after account opening. | 0.05% | — | Variable rate - Rate may change after account opening. |
| $10,000 – $25,000Variable rate - Rate may change after account opening. | 0.10% | $10 | Variable rate - Rate may change after account opening. |
| $25,000 – $100,000Variable rate - Rate may change after account opening. | 0.15% | — | Variable rate - Rate may change after account opening. |
| $100,000 and upVariable rate - Rate may change after account opening. | 1.50% | — | Variable rate - Rate may change after account opening. |
Sources (1)
- southcoastcu.org/save/savings-rates · captured Sep 18, 2026
Shares
0.03%APY
$25 minimum to maintain membership in the Credit Union. Dividends will be paid on balances over $50.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends will be paid on balances over $50. $25 minimum to maintain membership in the Credit Union.$50 and up | 0.03% | $3 | Dividends will be paid on balances over $50. $25 minimum to maintain membership in the Credit Union. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club Account
0.03%APY · 1 term
$5 fee applies to early withdrawal. Runs for about 52 weeks and deposited directly into share account upon maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$5 fee applies to early withdrawal. Runs for about 52 weeks. No monthly service charges | 0.03% | $3 |
Sources (2)
All captured Sep 18, 2026
Who can join Southcoast Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligible to join if you are a voting member of the Community Economic Development Center (CEDC) of Southeastern Massachusetts.
- Eligible to join if you are an employee of the hospital.
- Eligible to join if you are a volunteer of the hospital.
- Eligible to join if you are a medical staff member of the hospital or an employee of a medical staff member.
Family and household
- Eligible to join if you are an immediate family member of a current Southcoast FCU member.
Cost to join
- Membership is established by opening a Regular Savings Account with a $25 balance.
Membership information collected October 5, 2026.