Credit union · NCUA insured
Southern Star CU Savings Rates
Southern Star CU’s best savings rate is 0.10% APY on $10,000, with its Savings / Share Accounts. Rates checked October 16, 2026.
How Southern Star CU’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Southern Star CU has the most branches. $10,000, best rate first.
This credit union’s best
Southern Star CU
0.10%APY
- Minimum
- $25
- Earns on $10,000 a year
- $10
Savings / Share Accounts
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 Star CU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Star 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.
Savings / Share Accounts
0.10%APY
Basis for credit union membership; initial deposit of $25.00 must remain on deposit until closed. Average daily balance of $25.00 earns dividends, payable quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceShare accounts with an average daily balance of $25.00 earns dividends, payable each quarter.Any balance | 0.10% | $10 | Share accounts with an average daily balance of $25.00 earns dividends, payable each quarter. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts
0.30%APY
Contributions via payroll deduction, direct deposit or personal check. Penalties for early withdrawal before age 59½. Roth and Education IRAs not currently available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRegular traditional IRA contributions cannot exceed annual contribution limits ($7,500 under age 50, $8,600 age 50+ in 2026).Any balance | 0.30% | $30 | Regular traditional IRA contributions cannot exceed annual contribution limits ($7,500 under age 50, $8,600 age 50+ in 2026). |
Sources (2)
All captured Oct 16, 2026
Who can join Southern Star CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school within a 10-mile radius of the credit union office at 16035 W Little York Rd, Houston, TX 77084 are eligible for membership.
Employers and groups
- Employees and affiliated persons of Baker Hughes, Inc. A Division of GE are eligible for membership.
- Employees and affiliated persons of Dresser / Halliburton merged company, its subsidiaries, joint venture companies, and successors thereof are eligible for membership.
- Employees and affiliated persons of Dresser Natural Gas Solutions are eligible for membership.
- Employees and affiliated persons of M-I LLC. / Smith International Inc. are eligible for membership.
Family and household
- Family members of all credit union members are eligible for membership.
Membership information collected October 5, 2026.