Credit union · NCUA insured
Southern FCU Savings Rates
Southern FCU’s best savings rate is 1.75% APY on $10,000, with its Share Savings Account. Rates checked October 16, 2026.
How Southern FCU’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Southern FCU has the most branches. $10,000, best rate first.
This credit union’s best
Southern FCU
1.75%APY
- Minimum
- $50
- Earns on $10,000 a year
- $175
Share Savings Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Southern FCU savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.75%
- QualifiedQualified1.75%
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 FCU 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.
Share Savings Account
1.75%APY
Minimum opening balance/deposit is $50.00. Establishes membership in credit union. No monthly service fees. Dividends paid quarterly based on average daily account balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. | 0.50% | — | Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. |
| $10,000 – $25,000Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. | 1.75% | $175 | Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. |
| $25,000 – $100,000Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. | 2.00% | — | Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. |
| $100,000 and upDividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. | 3.00% | — | Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Club Account
1.75%APY
Minimum opening balance is $50.00. No monthly service fees. Allows automatic deposits designed for holiday spending. All funds available for penalty-free withdrawals from November 1 through December 31. Dividends paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. | 0.50% | — | Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. |
| $10,000 – $25,000Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. | 1.75% | $175 | Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. |
| $25,000 – $100,000Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. | 2.00% | — | Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. |
| $100,000 and upDividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. | 3.00% | — | Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance. |
Sources (2)
All captured Sep 17, 2026
IRA Savings Account
2.00%APY
Minimum opening balance/deposit is $500.00. Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account (ESA). Dividends paid quarterly based on average daily account balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum opening balance for IRAs is $500.00. Balance tier determines daily dividend rate and APY on average daily balance. Dividends paid quarterly.$500 and up | 2.00% | $200 | Minimum opening balance for IRAs is $500.00. Balance tier determines daily dividend rate and APY on average daily balance. Dividends paid quarterly. |
Sources (2)
All captured Sep 17, 2026
Who can join Southern FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.