Credit union · NCUA insured
Southwest Financial Federal Credit Union Savings Rates
Top CarrotSouthwest Financial Federal Credit Union’s best savings rate is 1.25% APY on $10,000, with its Maxx Savings. Rates checked October 16, 2026.
How Southwest Financial Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Southwest Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southwest Financial Federal Credit Union
1.25%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $125
Maxx Savings
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 Financial Federal Credit Union savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.25%
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 Financial 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.
Maxx Savings
1.25%APY
Limited to three withdrawals per month; additional withdrawals may incur an excessive withdrawal fee which could reduce earnings. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upLimited to three withdrawals per month. Additional withdrawals may incur a fee. Minimum balance to earn yield is $2,500. No monthly service fees. | 1.25% | $125 | Limited to three withdrawals per month. Additional withdrawals may incur a fee. Minimum balance to earn yield is $2,500. No monthly service fees. |
| $25,000 and upLimited to three withdrawals per month. Additional withdrawals may incur a fee. Minimum balance to earn yield is $25,000. No monthly service fees. | 1.50% | — | Limited to three withdrawals per month. Additional withdrawals may incur a fee. Minimum balance to earn yield is $25,000. No monthly service fees. |
| $75,000 and upLimited to three withdrawals per month. Additional withdrawals may incur a fee. Minimum balance to earn yield is $75,000. No monthly service fees. | 1.75% | — | Limited to three withdrawals per month. Additional withdrawals may incur a fee. Minimum balance to earn yield is $75,000. No monthly service fees. |
Sources (3)
All captured Sep 17, 2026
Primary Savings
0.15%APY
Deposit to open account and become a member is $25. No monthly service fees. Dividends earned with minimum balance of $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum balance to earn yield is $500. No monthly service fees. | 0.15% | $15 | Minimum balance to earn yield is $500. No monthly service fees. |
| $25,000 and upMinimum balance to earn yield is $25,000. No monthly service fees. | 0.25% | — | Minimum balance to earn yield is $25,000. No monthly service fees. |
Secondary Savings
0.15%APY
Deposit to open account is $25. No monthly service fees. Earn dividends with a minimum balance of $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum balance to earn yield is $500. No monthly service fees. | 0.15% | $15 | Minimum balance to earn yield is $500. No monthly service fees. |
| $25,000 and upMinimum balance to earn yield is $25,000. No monthly service fees. | 0.25% | — | Minimum balance to earn yield is $25,000. No monthly service fees. |
Special-purpose accounts
Holiday Savings
0.15%APY
Deposit to open account is $25. No monthly service fees. Earn dividends with a minimum balance of $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum balance to earn yield is $500. No monthly service fees. | 0.15% | $15 | Minimum balance to earn yield is $500. No monthly service fees. |
| $25,000 and upMinimum balance to earn yield is $25,000. No monthly service fees. | 0.25% | — | Minimum balance to earn yield is $25,000. No monthly service fees. |
IRA Savings
0.25%APY
Available as Traditional IRA or Roth IRA savings options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upUp to .25% APY. Minimum to earn yield is $500. Stated for Traditional and Roth IRA options.$500 and up | 0.25% | $25 | Up to .25% APY. Minimum to earn yield is $500. Stated for Traditional and Roth IRA options. |
On My Own Savings
0.15%APY
For ages 15 to 21. Deposit to open account is $25. No monthly service fees. Earn dividends with a minimum balance of $25.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn yield is $25. For ages 15 to 21. No monthly service fees. | 0.15% | $15 | Minimum balance to earn yield is $25. For ages 15 to 21. No monthly service fees. |
| $25,000 and upMinimum balance to earn yield is $25,000. For ages 15 to 21. No monthly service fees. | 0.25% | — | Minimum balance to earn yield is $25,000. For ages 15 to 21. No monthly service fees. |
Start Smart Savings
0.15%APY
Designed for individuals aged 14 or younger. Deposit to open account is $25. No monthly service fees. Earn dividends with a minimum balance of $25.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn yield is $25. For ages 14 or younger. No monthly service fees. | 0.15% | $15 | Minimum balance to earn yield is $25. For ages 14 or younger. No monthly service fees. |
| $25,000 and upMinimum balance to earn yield is $25,000. For ages 14 or younger. No monthly service fees. | 0.25% | — | Minimum balance to earn yield is $25,000. For ages 14 or younger. No monthly service fees. |
Who can join Southwest Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of an affiliated company.
Family and household
- Membership is open to immediate family members of an employee of an affiliated company or of a current member.
Cost to join
- Opening a savings account requires a $25 deposit.
Membership information collected October 5, 2026.