Credit union · NCUA insured
Southeastern Credit Union Savings Rates
Southeastern Credit Union’s best savings rate is 1.76% APY on $10,000, with its Performance Money Market. Rates checked October 22, 2026.
How Southeastern Credit Union’s savings rates compare
Compared with banks and credit unions near Valdosta, GA, where Southeastern Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southeastern Credit Union
1.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $176
Performance Money Market
Top rate
First Commerce Credit Union
3.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
3rd-highest rate
Valdosta Teachers' FCU
0.65%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $65
Southeastern Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.50%
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 Southeastern 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.
Performance Money Market
1.76%APY
Avoid the minimum balance fee by maintaining a $1,000 daily minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $25,000 | 1.76% | $176 |
| $25,001 – $50,000 | 2.02% | — |
| $50,001 – $100,000 | 2.27% | — |
| $100,001 – $250,000 | 2.52% | — |
| Over $250,000 | 3.03% | — |
Southeastern Saver
Up to 1.50%APY
Link to Southeastern Checking (Southeastern Cash or Cash Back). No minimum balance to earn rewards. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarned when qualifications on linked Southeastern Cash or Southeastern Cash Back account are met during a Monthly Qualification Cycle. No monthly maintenance fees. Minimum opening deposit $100 on rate sheet.Any balance | 1.50% | $150 | Earned when qualifications on linked Southeastern Cash or Southeastern Cash Back account are met during a Monthly Qualification Cycle. No monthly maintenance fees. Minimum opening deposit $100 on rate sheet. |
| Any balanceEarned when qualifications on linked Southeastern Cash or Southeastern Cash Back account are not met during a Monthly Qualification Cycle.Any balance | 0.05% | $5 | Earned when qualifications on linked Southeastern Cash or Southeastern Cash Back account are not met during a Monthly Qualification Cycle. |
Share Savings
0.35%APY
Establishes membership with Southeastern Credit Union. Minimum balance fee avoided by maintaining a $150 minimum balance, or waived with another share or loan with SCU. $25 minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies to balances over $100 (average daily balance of $100 or more). Avoid minimum balance fee by maintaining a $150 minimum balance (waived with another share or loan with SCU). Opening deposit $25.$100 and up | 0.35% | $35 | Rate applies to balances over $100 (average daily balance of $100 or more). Avoid minimum balance fee by maintaining a $150 minimum balance (waived with another share or loan with SCU). Opening deposit $25. |
Special Share Savings
0.35%APY
Set money aside to reach a specific goal. No minimum balance fees. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCompetitive dividends on average daily balance of $100 or more. Shares rate schedule with Share Savings. No minimum balance fees. No minimum deposit to open.$100 and up | 0.35% | $35 | Competitive dividends on average daily balance of $100 or more. Shares rate schedule with Share Savings. No minimum balance fees. No minimum deposit to open. |
Special-purpose accounts
Health Savings Accounts (HSAs)
0.35%APY
Available to individuals covered under a high-deductible health plan (HDHP), under 65, and not enrolled in Medicare. No monthly maintenance fees. No minimum deposit to open. Earns dividends above standard savings on entire balance. Tax advantages apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies to balances over $100. No monthly maintenance fees. No minimum deposit to open.$100 and up | 0.35% | $35 | Rate applies to balances over $100. No monthly maintenance fees. No minimum deposit to open. |
Individual Retirement Accounts (IRAs)
0.35%APY
Traditional IRA, Roth IRA, and Coverdell ESA available. No setup fees. No monthly or annual maintenance fees. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies to balances over $100. No setup fees or monthly/annual maintenance fees. No minimum deposit to open.$100 and up | 0.35% | $35 | Rate applies to balances over $100. No setup fees or monthly/annual maintenance fees. No minimum deposit to open. |
Christmas Club
0.25%APY
Save year-round for holiday expenses. Funds automatically transfer on October 31 of each calendar year. One free withdrawal per period. No minimum balance requirements. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies to balances over $100 (average daily balance of $100 or more). No minimum balance requirements. No minimum deposit to open.$100 and up | 0.25% | $25 | Rate applies to balances over $100 (average daily balance of $100 or more). No minimum balance requirements. No minimum deposit to open. |
Vacation Club
0.25%APY
Save year-round for vacation expenses. Two free withdrawals per year. No minimum balance requirements. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies to balances over $100 (average daily balance of $100 or more). No minimum balance requirements. No minimum deposit to open.$100 and up | 0.25% | $25 | Rate applies to balances over $100 (average daily balance of $100 or more). No minimum balance requirements. No minimum deposit to open. |
Who can join Southeastern Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located in any of the 14 service area counties are eligible for membership.
- Individuals who live or work in Ben Hill, Berrien, Brooks, Colquitt, Cook, Echols, Irwin, Lanier, Lowndes, Pierce, Tift, Thomas, Turner, or Ware County are eligible to join.
Employers and groups
- Individuals and businesses who join Friends of the Foundation are eligible for membership even if they live or work outside the field of membership.
Family and household
- Immediate family members of current members are eligible to join regardless of where they live.
Cost to join
- Membership requires a $25 share deposit into a Share Savings Account.
Membership information collected October 4, 2026.