Credit union · NCUA insured
Southeast Financial Credit Union Savings Rates
Southeast Financial Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Southeast Financial Credit Union’s savings rates compare
Compared with banks and credit unions near Nashville, TN, where Southeast Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southeast Financial Credit Union
0.60%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $60
Money Market Account
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
Southeast Financial Credit Union savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0001.35%
- QualifiedQualified0.60%
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 Southeast Financial 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
0.60%APY
Rates may change after account opening at credit union discretion. Fees may reduce earnings. Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 to earn interest.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,499Must meet minimum balance requirement to obtain stated rate. · Unknown to open | 0.00% | Unknown | — | Must meet minimum balance requirement to obtain stated rate. |
| $2,500 – $10,000Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. · $2,500 to open | 0.60% | $2,500 | $60 | Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. |
| $10,001 – $25,000Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. · $2,500 to open | 0.75% | $2,500 | — | Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. |
| $25,001 – $50,000Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. · $2,500 to open | 1.00% | $2,500 | — | Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. |
| $50,001 – $75,000Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. · $2,500 to open | 1.20% | $2,500 | — | Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. |
| $75,001 – $100,000Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. · $2,500 to open | 1.35% | $2,500 | — | Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. |
| $100,001 and upMust meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. · $2,500 to open | 1.50% | $2,500 | — | Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 required to start earning interest. |
Sources (2)
All captured Oct 5, 2026
Membership Share
0.05%APY
First account opened when joining Southeast Financial Credit Union representing member ownership share. $5.00 deposit is returned if account is ever closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum opening deposit of $5.00 required. Rates may change after account opening at the credit union's discretion. Fees may reduce account earnings.$5 and up | 0.05% | $5 | Minimum opening deposit of $5.00 required. Rates may change after account opening at the credit union's discretion. Fees may reduce account earnings. |
Sources (3)
- southeastfinancial.org/rates
- southeastfinancial.org/savings-accounts
- southeastfinancial.org/savings-checking-account-rates
All captured Oct 5, 2026
Regular Share
0.05%APY
Can be opened once Membership Share Account is established; members may open multiple additional share savings accounts with no minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No minimum opening deposit required for Regular Share accounts. Rates may change after account opening at the credit union's discretion. Fees may reduce account earnings.Over $0 | 0.05% | $5 | No minimum opening deposit required for Regular Share accounts. Rates may change after account opening at the credit union's discretion. Fees may reduce account earnings. |
Sources (3)
- southeastfinancial.org/rates
- southeastfinancial.org/savings-accounts
- southeastfinancial.org/savings-checking-account-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Accumulation Account
0.10%APY
Deposit small amounts at periodic intervals instead of waiting for maturity of an IRA certificate. Available as Traditional, Roth, and Coverdell Educational Savings Account (ESA) IRAs. Minimum $1 opening deposit and begins accruing interest immediately.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upRates may change after account opening at the credit union's discretion. Fees may reduce earnings.$1 and up | 0.10% | $10 | Rates may change after account opening at the credit union's discretion. Fees may reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Christmas Club Account
0.03%APY
No minimum balance required. May withdraw without penalty in July. Funds are automatically rolled over to savings or checking account on November 1 each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after account opening at the credit union's discretion. Fees may reduce account earnings.Any balance | 0.03% | $3 | Rates may change after account opening at the credit union's discretion. Fees may reduce account earnings. |
Sources (3)
- southeastfinancial.org/rates
- southeastfinancial.org/savings-accounts
- southeastfinancial.org/savings-checking-account-rates
All captured Oct 5, 2026
Who can join Southeast Financial Credit Union
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