Credit union · NCUA insured
Southwest Airlines Federal Credit Union Savings Rates
Top CarrotSouthwest Airlines Federal Credit Union’s best savings rate is 2.75% APY on $10,000, with its LUV Fund Money Market. Rates checked September 25, 2026.
How Southwest Airlines Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Southwest Airlines Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Airlines Federal Credit Union
2.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $275
LUV Fund Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Southwest Airlines Federal Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0002.25%
- $10,000 balance$10,0002.75%
- $100,000 balance$100,0003.25%
- QualifiedQualified2.75%
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 Southwest Airlines 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.
LUV Fund Money Market
2.75%APY
Membership in Southwest Airlines Federal Credit Union required. Dividends compound monthly. No minimum balance and no minimum to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 2.25% | — |
| $10,000 – $50,000 | 2.75% | $275 |
| $50,000 and up | 3.25% | — |
Sources (2)
All captured Sep 25, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
0.50%APY
Traditional and Roth IRA savings options available. Coverdell ESA also available. No setup fees, no monthly or annual maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly.Any balance | 0.50% | $50 | Compounded quarterly. |
Sources (3)
- swacu.org/manage/helpful-tools/rates.html
- swacu.org/save/personal-savings
- swacu.org/save/personal-saving…ement-accounts-iras.html
All captured Sep 25, 2026
Membership Savings Account
0.10%APY
Grants full SWACU membership. Must maintain a minimum balance of $5. Dividends are earned on balances of $100 or more (earned daily, credited quarterly). Optional paper statements cost $3/month (members under 18 or over 70 exempt).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCompounded quarterly. Dividends are earned on balances more than $100.$100 and up | 0.10% | $10 | Compounded quarterly. Dividends are earned on balances more than $100. |
Sources (3)
- swacu.org/manage/helpful-tools/rates.html
- swacu.org/save/personal-savings
- swacu.org/save/personal-saving…hip-savings-account.html
All captured Sep 25, 2026
Youth Savings Account
0.10%APY
Available to young savers and teens up to 17 years old. $5 minimum balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upCompounded quarterly. Dividends are earned on balances more than $100.$100 and up | 0.10% | $10 | Compounded quarterly. Dividends are earned on balances more than $100. |
Sources (3)
- swacu.org/manage/helpful-tools/rates.html
- swacu.org/save/youth-accounts/youth-savings-account.html
- swacu.org/save/youth-accounts
All captured Sep 25, 2026
Who can join Southwest Airlines Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility through employment or membership in one of over 200 Select Employee Groups (SEGs) in the Field of Membership.
Family and household
- Eligibility for immediate family (spouses, brothers/sisters, parents, grandparents, children, and grandchildren) and household members.
Cost to join
- Maintain a Membership Savings Account open with a minimum balance of $5 to retain membership.
Membership information collected October 5, 2026.