Credit union · NCUA insured
Spirit of Alaska Credit Union Savings Rates
Top CarrotSpirit of Alaska Credit Union’s best savings rate is 3.50% APY on $10,000, with its 12 Month Savings Certificate. Rates checked October 22, 2026.
How Spirit of Alaska Credit Union’s savings rates compare
Compared with banks and credit unions near Fairbanks, AK, where Spirit of Alaska Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Spirit of Alaska Credit Union
3.50%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $350
12 Month Savings Certificate
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
3rd-highest rate
Denali State Bank
0.50%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $50
Spirit of Alaska Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
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 Spirit of Alaska 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.
12 Month Savings Certificate
3.50%APY · 1 term
Maximum deposit $50,000. Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum deposit $50,000. Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 3.50% | $350 |
Sources (2)
All captured Oct 15, 2026
18 Month Savings Certificate
3.00%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 3.00% | $453 |
Sources (2)
All captured Oct 15, 2026
6 Month Savings Certificate
2.75%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.75% | $137 |
Sources (2)
All captured Oct 15, 2026
24 Month Savings Certificate
2.50%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.50% | $506 |
Sources (2)
All captured Oct 15, 2026
30 Month Savings Certificate
2.25%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.25% | $572 |
Sources (2)
All captured Oct 15, 2026
36 Month Savings Certificate
2.15%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.15% | $659 |
Sources (2)
All captured Oct 15, 2026
48 Month Savings Certificate
2.00%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.00% | $824 |
Sources (2)
All captured Oct 15, 2026
3 Month Savings Certificate
1.75%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 1.75% | $43 |
Sources (2)
All captured Oct 15, 2026
60 Month Savings Certificate
1.75%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 1.75% | $906 |
Sources (2)
All captured Oct 15, 2026
Money Market Savings
0.25%APY
Traditional account receiving paper statements. Membership share of $5 required. Earn dividends on entire account balance, compounding daily.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1 | 0.25% | — | Tier 1 |
| $5,000 – $10,000Tier 2 | 0.25% | $25 | Tier 2 |
| $10,000 – $25,000Tier 3 | 0.35% | — | Tier 3 |
| $25,000 – $50,000Tier 4 | 0.50% | — | Tier 4 |
| $50,000 – $75,000Tier 5 | 0.80% | — | Tier 5 |
| $75,000 – $100,000Tier 6 | 0.80% | — | Tier 6 |
| $100,000 – $250,000Tier 7 | 1.05% | — | Tier 7 |
| Over $250,000Tier 8 | 1.55% | — | Tier 8 |
Sources (1)
- spiritofak.com/money-market-savings-accounts · captured Oct 3, 2026
e-Money Market
0.25%APY
Electronic statements account. Membership share of $5 required. Earn dividends on entire account balance, compounding daily.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1 | 0.25% | — | Tier 1 |
| $5,000 – $10,000Tier 2 | 0.25% | $25 | Tier 2 |
| $10,000 – $25,000Tier 3 | 0.35% | — | Tier 3 |
| $25,000 – $50,000Tier 4 | 0.50% | — | Tier 4 |
| $50,000 – $75,000Tier 5 | 0.80% | — | Tier 5 |
| $75,000 – $100,000Tier 6 | 0.80% | — | Tier 6 |
| $100,000 – $250,000Tier 7 | 1.05% | — | Tier 7 |
| Over $250,000Tier 8 | 1.55% | — | Tier 8 |
Sources (1)
- spiritofak.com/money-market-savings-accounts · captured Oct 3, 2026
e-Savings
0.11%APY
Electronic documents/statements. $5.00 balance required to open and maintain membership share. Balances over $0.01 earn dividends paid monthly. Includes unlimited in-branch transactions and 6 complimentary electronic or telephone withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Electronic documents. Balances over $0.01 earn dividends paid monthly. $5.00 balance required to open and maintain. No monthly maintenance fees with balance of $100 or more.Over $0 | 0.11% | $11 | Electronic documents. Balances over $0.01 earn dividends paid monthly. $5.00 balance required to open and maintain. No monthly maintenance fees with balance of $100 or more. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA 12 Month Savings Certificate
3.50%APY · 1 term
Maximum deposit $50,000. Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMaximum deposit $50,000. Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 3.50% | $350 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
IRA 18 Month Savings Certificate
3.00%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 3.00% | $453 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
IRA 6 Month Savings Certificate
2.75%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.75% | $137 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
IRA 24 Month Savings Certificate
2.50%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.50% | $506 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
IRA 30 Month Savings Certificate
2.25%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.25% | $572 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
IRA 36 Month Savings Certificate
2.15%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.15% | $659 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
IRA 48 Month Savings Certificate
2.00%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 2.00% | $824 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
IRA 3 Month Savings Certificate
1.75%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 1.75% | $43 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
IRA 60 Month Savings Certificate
1.75%APY · 1 term
Dividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsDividends paid out at monthly intervals. Withdraw earnings at any time. Penalties apply for early withdrawal of principal. Dividends may be withdrawn before maturity without penalty, but no dividends will be paid on the amount withdrawn. Dividends may be transferred to checking or savings or automatically mailed monthly | 1.75% | $906 |
Sources (1)
- spiritofak.com/wp-content/uplo…table-August-19-2025.pdf · captured Oct 15, 2026
Conversion Roth IRA Savings
0.15%APY
Contributions are not tax-deductible, but the interest and earnings can offer tax advantages. There is no mandatory distribution age. After 5 years, tax advantages on your earnings and principal begin.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Contributions are not tax-deductible, but the interest and earnings can offer tax advantages. There is no mandatory distribution age. After 5 years, tax advantages on your earnings and principal begin.Over $0 | 0.15% | $15 | Contributions are not tax-deductible, but the interest and earnings can offer tax advantages. There is no mandatory distribution age. After 5 years, tax advantages on your earnings and principal begin. |
Sources (2)
All captured Oct 15, 2026
Coverdell Education Savings
0.15%APY
Tax-advantaged education savings account. No annual maintenance fee. Contributions up to $2,000 per child per year may be made until the child reaches age 18. Withdrawals are tax-free when used for qualified education expenses; funds must be distributed by age 30.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0No annual maintenance fee. Minimum opening balance $0.00; minimum balance to earn dividends $0.01.Over $0 | 0.15% | $15 | No annual maintenance fee. Minimum opening balance $0.00; minimum balance to earn dividends $0.01. |
Sources (2)
All captured Oct 15, 2026
Roth IRA Savings
0.15%APY
Contributions are not tax-deductible, but the interest and earnings can offer tax advantages. There is no mandatory distribution age. After 5 years, tax advantages on your earnings and principal begin.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Contributions are not tax-deductible, but the interest and earnings can offer tax advantages. There is no mandatory distribution age. After 5 years, tax advantages on your earnings and principal begin.Over $0 | 0.15% | $15 | Contributions are not tax-deductible, but the interest and earnings can offer tax advantages. There is no mandatory distribution age. After 5 years, tax advantages on your earnings and principal begin. |
Sources (2)
All captured Oct 15, 2026
Traditional IRA Savings
0.15%APY
Possible tax advantages, either with earnings or contributions. Annual contributions not required. No annual fees. Opportunity for tax-deferred retirement funds.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Possible tax advantages, either with earnings or contributions. Annual contributions not required. No annual fees. Opportunity for tax-deferred retirement funds.Over $0 | 0.15% | $15 | Possible tax advantages, either with earnings or contributions. Annual contributions not required. No annual fees. Opportunity for tax-deferred retirement funds. |
Sources (2)
All captured Oct 15, 2026
Savings
0.11%APY
Paper documents/statements. $5.00 balance required to open and maintain membership share. Monthly maintenance fee waived with a balance of $100 or more, with an active checking account, or for minor members. Includes 6 complimentary electronic or telephone withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Paper documents. Balances over $0.01 earn dividends paid monthly. Monthly maintenance fee waived with balance of $100 or more, active checking account, or for minor members.Over $0 | 0.11% | $11 | Paper documents. Balances over $0.01 earn dividends paid monthly. Monthly maintenance fee waived with balance of $100 or more, active checking account, or for minor members. |
Sources (2)
All captured Oct 15, 2026
Who can join Spirit of Alaska Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person who lives, works, or worships within the Fairbanks North Star Borough is eligible for membership.
Employers and groups
- Members of the Golden Valley Electric Association are eligible for membership.
Military, government and schools
- Alumni of colleges and universities located within the credit union's field of membership, members of their immediate families, and organizations of such persons are eligible for membership.
- Employees and students of public, private, and parochial schools, high schools, and institutions of higher learning north of the Alaska Range are eligible for membership.
- Persons retired as pensioners or annuitants from school or higher learning employment north of the Alaska Range are eligible for membership.
Family and household
- Immediate family members of current credit union members are eligible for membership.
Membership information collected October 4, 2026.