Credit union · NCUA insured
SRP Federal Credit Union Savings Rates
SRP Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Member Boost Savings Account. Rates checked October 22, 2026.
How SRP Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Augusta, GA-SC, where SRP Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SRP Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $150
Member Boost Savings Account
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
SRP Federal Credit Union savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.50%
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 SRP 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.
Emergency Fund Builder Savings Account
0.37%APY
Available for Consumer accounts only; fiduciary accounts and business members are not eligible for this account type. Emergency Fund Builder Accounts are limited to one per membership. Other restrictions apply. Fees may reduce earnings. Rates subject to change after account opening. Membership required. Minimum account balance to earn stated APY is $0.01.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000The promoted 5.00% APY is earned on balances up to $1,000.00. Minimum account balance to earn stated APY is $0.01. | 5.00% | — | The promoted 5.00% APY is earned on balances up to $1,000.00. Minimum account balance to earn stated APY is $0.01. |
| Over $1,000For account balances exceeding $1,000.00, the APY is the current APY in effect for a Primary Savings Account, which is 0.37% APY, effective as of 08/01/2026. | 0.37% | $37 | For account balances exceeding $1,000.00, the APY is the current APY in effect for a Primary Savings Account, which is 0.37% APY, effective as of 08/01/2026. |
Member Boost Savings Account
1.50%APY
Available for Consumer Accounts only; fiduciary accounts and business members are not eligible. Limited to one per membership. Tiered rates; minimum balance to earn stated APY is $0.01.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum account balance to earn stated APY is $0.01. | 0.37% | — | Minimum account balance to earn stated APY is $0.01. |
| $10,000 – $50,000 | 1.50% | $150 | |
| $50,000 – $250,000 | 2.25% | — | |
| $250,000 and up | 3.00% | — |
Primary Savings Account
0.37%APY
Membership required ($0.01 par value share deposit). Fiduciary accounts and business members are not eligible for some specialized savings types.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit of $0.01 par value membership share buys share in credit union.Any balance | 0.37% | $37 | Minimum opening deposit of $0.01 par value membership share buys share in credit union. |
Sources (3)
- srpfcu.org/member-news/rates/consumer-business-accounts
- srpfcu.org/bank
- srpfcu.org/bank/accounts/savings-accounts
All captured Oct 15, 2026
Savings II Account
0.37%APY
Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.37% | $37 |
Sources (1)
- srpfcu.org/member-news/rates/consumer-business-accounts · captured Oct 15, 2026
VISA Traditional Secured Savings
0.01%APY
Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- srpfcu.org/member-news/rates/consumer-business-accounts · captured Oct 15, 2026
Special-purpose accounts
Community Boost Savings Account
0.50%APY
Available to IRS-recognized 501(c)(3) organizations eligible for membership. Tiered rates based on average balance. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Available to IRS-recognized 501(c)(3) organizations eligible for membership. Tiered rates based on average balance. Membership required. | 0.50% | $50 | Available to IRS-recognized 501(c)(3) organizations eligible for membership. Tiered rates based on average balance. Membership required. |
| $25,000 – $49,999Available to IRS-recognized 501(c)(3) organizations eligible for membership. Tiered rates based on average balance. Membership required. | 3.00% | — | Available to IRS-recognized 501(c)(3) organizations eligible for membership. Tiered rates based on average balance. Membership required. |
| $50,000 and upAvailable to IRS-recognized 501(c)(3) organizations eligible for membership. Tiered rates based on average balance. Membership required. | 4.00% | — | Available to IRS-recognized 501(c)(3) organizations eligible for membership. Tiered rates based on average balance. Membership required. |
Sources (2)
All captured Oct 15, 2026
Christmas Club Account
0.42%APY
Maturity date is October 31 (funds distributed on November 1). Early withdrawal fee may be imposed. Term varies depending on the date opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDisbursed on November 1; early withdrawal penalty/fee may apply.Any balance | 0.42% | $42 | Disbursed on November 1; early withdrawal penalty/fee may apply. |
Sources (2)
All captured Oct 15, 2026
IRA Savings
0.37%APY
Traditional, Roth, and Coverdell ESA options available. No maintenance or set-up fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo maintenance or set-up fees.Any balance | 0.37% | $37 | No maintenance or set-up fees. |
Sources (3)
- srpfcu.org/member-news/rates/consumer-business-accounts
- srpfcu.org/bank/accounts/savings-accounts/ira
- srpfcu.org/bank/accounts/savings-accounts
All captured Oct 15, 2026
Who can join SRP Federal 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 business physically located in Aiken, Allendale, Barnwell, or Edgefield County in South Carolina or Burke, Columbia, Jefferson, Lincoln, McDuffie, or Richmond County in Georgia is eligible for membership.
Membership information collected October 4, 2026.