Credit union · NCUA insured
Southern CU Savings Rates
Southern CU’s best savings rate is 0.80% APY on $10,000, with its INSURED MONEY MARKET ACCOUNTS. Rates checked October 15, 2026.
How Southern CU’s savings rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Southern CU has the most branches. $10,000, best rate first.
This credit union’s best
Southern CU
0.80%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $80
INSURED MONEY MARKET ACCOUNTS
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
Southern CU savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.80%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.80%
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 Southern CU 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.
INSURED MONEY MARKET ACCOUNTS
0.80%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll dividends and interest credited monthly.Any balance | 0.80% | $80 | All dividends and interest credited monthly. |
Sources (1)
- southerncu.com/savings-rates · captured Sep 18, 2026
Regular Shares (Savings)
0.25%APY
Primary share account required to maintain membership and access credit union services. Eligible to select employee groups (Norfolk Southern Corp., CARTA, Bunge, ADM) and their families. Maximum of 3 withdrawals per quarter, $3 fee for additional withdrawals in the same quarter. Dividends declared monthly and posted on the last day of each month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll dividends and interest credited monthly.Any balance | 0.25% | $25 | All dividends and interest credited monthly. |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
IRA Accumulation Account
1.01%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll dividends and interest credited monthly.Any balance | 1.01% | $100 | All dividends and interest credited monthly. |
Club Accounts
0.30%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll dividends and interest credited monthly.Any balance | 0.30% | $30 | All dividends and interest credited monthly. |
Who can join Southern CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.