Credit union · NCUA insured
SRI Federal Credit Union Savings Rates
Top CarrotSRI Federal Credit Union’s best savings rate is 1.60% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How SRI Federal Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where SRI Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SRI Federal Credit Union
1.60%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $160
Money Market
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
SRI Federal Credit Union savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0003.50%
- $10,000 balance$10,0001.90%
- $100,000 balance$100,0001.95%
- QualifiedQualified1.90%
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 SRI 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.
Money Market
1.60%APY
Dividends paid monthly. $2,500 minimum balance to earn dividends. Up to 6 withdrawals/transfers per month. Mobile and Online access, eStatements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $25,000 | 1.60% | $160 |
| $25,000 – $100,000 | 1.70% | — |
| $100,000 – $250,000 | 1.95% | — |
| $250,000 – $500,000 | 2.20% | — |
| $500,000 – $1,000,000 | 2.45% | — |
| $1,000,000 and up | 3.95% | — |
Sources (1)
- srifcu.org/money-market · captured Oct 6, 2026
Regular Savings
1.90%APY on $10,000
Core Savings Tier only applies to primary savings account. Regular shares pay dividends based on the balance within each tier. Rates effective as of 10/01/2026. $5 minimum balance. No monthly service fee. Up to 6 withdrawals/transfers per month.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 3.50% |
| Over $5,000 | 0.30% |
On $10,000 the tiers blend to about 1.90% APY, earning $190 a year.
Special-purpose accounts
Health Savings Accounts (HSAs)
3.25%APY
Must be at least 18 years old, covered by a qualified High Deductible Health Plan (HDHP), not enrolled in Medicare, not claimed as a dependent, and not covered by disqualifying healthcare plans. Dividends paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo initial deposit, no minimum balance, and no account maintenance or annual fees. Dividends paid monthly.Any balance | 3.25% | $325 | No initial deposit, no minimum balance, and no account maintenance or annual fees. Dividends paid monthly. |
IRA Savings
3.25%APY
Available as Traditional or Roth IRA. Dividends paid monthly. Federally insured by NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional or Roth IRA savings. No setup, transfer, monthly, or annual administration fees.Any balance | 3.25% | $325 | Traditional or Roth IRA savings. No setup, transfer, monthly, or annual administration fees. |
Who can join SRI 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 Allstate Research and Planning Center who work in Menlo Park, California are eligible for membership.
- Employees of the Alpine Hills Tennis & Swimming Club who work in Portola Valley, California are eligible for membership.
- Affiliates/members of Silicon Valley Chapter AUVSI (now Silicon Valley Autonomy Association, Inc) are eligible for membership.
- Members of the Palo Alto Association for Women in Science (AWIS) are eligible for membership.
- Employees of Boys and Girls Club of the Peninsula who work in Menlo Park, California are eligible for membership.
- Employees or affiliates of Sanchez Construction Services, Systems Electric, FAFCO Inc, EZDIA, Lockwood Hills, Intrinsyx Technologies Corporation, AFSS Jacobs, or Jacobs-ATOM are eligible for membership.
20 more ways to join
Employers and groups
- Employees of Cornerstone Research who work in Menlo Park, California are eligible for membership.
- Employees of SRI Federal Credit Union are eligible for membership.
- Members or associates of the Financial Fitness Association (FFA) are eligible for membership.
- Employees of Kepler's Books who work in or are paid from Menlo Park, California are eligible for membership.
- Employees or affiliates of Leone Advertising in Menlo Park, CA are eligible for membership.
- Employees of Millennium Imaging Solutions (formerly Banana Office Systems, Inc.) who work in Menlo Park, California are eligible for membership.
- Employees or affiliates of Bioceryx, Canvas Construction, Inc., Grabit, Inc., LeoLabs, Inc., Princeton Identity, Ravenswood Solutions, Strategic Business Insights, or SE/SM/C are eligible for membership.
- Employees or affiliates of PARC (Palo Alto Research Center) are eligible for membership.
- Employees or affiliates of QSecure, Inc. are eligible for membership.
- Persons retired as pensioners or annuitants from eligible employment groups are eligible for membership.
- Members of the SRI Alumni Association are eligible for membership.
- Employees of SRI International who work in or are paid from Menlo Park, California are eligible for membership.
- Employees of WSJ Properties who work in Palo Alto, California are eligible for membership.
Military, government and schools
- Employees or affiliates of California Geological Survey are eligible for membership.
- Employees or affiliates of GSA are eligible for membership.
- NASA Civil Servants, NASA Ames Union members, and NASA Exchange entities and employees are eligible for membership.
- USGS employees, retirees, contractors, and foreign exchange students based in Menlo and Moffett are eligible for membership.
- Employees of the Menlo Park Vet Center are eligible for membership.
Family and household
- Immediate family members and domestic partners of eligible members are eligible for membership.
Other ways
- Spouses of persons who died while within the field of membership of the credit union are eligible for membership.
Membership information collected October 5, 2026.