Credit union · NCUA insured
Southern Gas Federal Credit Union Savings Rates
Southern Gas Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Regular Share Savings. Rates checked October 22, 2026.
How Southern Gas Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Little Rock, AR, where Southern Gas Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southern Gas Federal Credit Union
0.20%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $20
Regular Share Savings
Top rate
First Service Bank
4.64%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $464
2nd-highest rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
Southern Gas Federal Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.20%
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 Gas Federal 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.
Regular Share Savings
0.20%APY
Membership eligibility required. Must purchase and maintain at least 1 share ($25.00 par value). Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends calculated by average daily balance method. Account transfer and withdrawal limitations apply.$25 and up | 0.20% | $20 | Dividends calculated by average daily balance method. Account transfer and withdrawal limitations apply. |
Sources (3)
- southerngasfcu.com/wp-content/…7/Savings-TIS-7-2023.pdf
- southerngasfcu.com/wp-content/…23/07/Rates-7-1-2023.pdf
- southerngasfcu.com/member-services
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club Savings
0.20%APY
Checks disbursed on or after Oct 31st. Dividends compounded and credited quarterly. If closed before accrued dividends credited, accrued dividends will be paid if closed within 7 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends calculated by average daily balance method. Account withdrawal limitations apply.$25 and up | 0.20% | $20 | Dividends calculated by average daily balance method. Account withdrawal limitations apply. |
Sources (3)
- southerngasfcu.com/wp-content/…7/Savings-TIS-7-2023.pdf
- southerngasfcu.com/wp-content/…23/07/Rates-7-1-2023.pdf
- southerngasfcu.com/member-services
All captured Sep 19, 2026
IRA Share Savings
0.20%APY
Dividends compounded and credited quarterly. No more than six (6) transfers and withdrawals permitted per period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires a minimum average daily balance of $100.00 to earn stated APY. Dividends calculated by average daily balance method. Account transfer and withdrawal limitations apply.$100 and up | 0.20% | $20 | Requires a minimum average daily balance of $100.00 to earn stated APY. Dividends calculated by average daily balance method. Account transfer and withdrawal limitations apply. |
Sources (3)
- southerngasfcu.com/wp-content/…7/Savings-TIS-7-2023.pdf
- southerngasfcu.com/wp-content/…23/07/Rates-7-1-2023.pdf
- southerngasfcu.com/member-services
All captured Sep 19, 2026
Vacation Club Savings
0.20%APY
Checks disbursed on or after May 31st. Dividends compounded and credited quarterly. If closed before accrued dividends credited, accrued dividends will be paid if closed within 7 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends calculated by average daily balance method. Account withdrawal limitations apply.$25 and up | 0.20% | $20 | Dividends calculated by average daily balance method. Account withdrawal limitations apply. |
Sources (3)
- southerngasfcu.com/wp-content/…7/Savings-TIS-7-2023.pdf
- southerngasfcu.com/wp-content/…23/07/Rates-7-1-2023.pdf
- southerngasfcu.com/member-services
All captured Sep 19, 2026
Who can join Southern Gas Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Baker Engineering are eligible for membership.
- Employees or members of Cornerstone Foundation Association (AKA Friends of the Foundation) are eligible for membership.
- Employees of Enable Midstream are eligible for membership.
- Employees of Holder Pipeline are eligible for membership.
- Employees of Miller Pipeline are eligible for membership.
- Employees of Parnell Consultants are eligible for membership.
5 more ways to join
Employers and groups
- Employees of RD Crumley of Arkansas are eligible for membership.
- Persons retired from approved select employers are eligible for membership.
- Employees of Summit Utilities, its subsidiaries, and contractors are eligible for membership.
Family and household
- Immediate family members (spouse, child, step-child, sibling, parent, grandparent, or grandchild) of eligible members are eligible for membership.
- Spouses of deceased persons who qualified for membership are eligible.
Cost to join
- A $25.00 share deposit is required to open a share savings account and maintain membership.
Membership information collected October 4, 2026.