Credit union · NCUA insured
State Department Federal Credit Union Savings Rates
State Department Federal Credit Union’s best savings rate is 1.21% APY on $10,000, with its Prime Money Market Account. Rates checked October 22, 2026.
How State Department Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where State Department Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
State Department Federal Credit Union
1.21%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $121
Prime Money Market Account
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
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
State Department Federal Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.21%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.21%
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 State Department 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.
Premier Money Market Account
Up to 2.02%APY
No service fees. Up to six preauthorized transfers a month (three by check with a $100 minimum). No penalty fees if balance drops below the minimum. Will not earn dividends if the balance falls below $25,000. Interest & dividends may be waived by member request.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $50,000Dividends calculated daily and credited monthly. Premier Account will not earn dividends if the balance falls below $25,000. | 1.26% | — | Dividends calculated daily and credited monthly. Premier Account will not earn dividends if the balance falls below $25,000. |
| $50,000 – $100,000Dividends calculated daily and credited monthly. Premier Account will not earn dividends if the balance falls below $25,000. | 1.51% | — | Dividends calculated daily and credited monthly. Premier Account will not earn dividends if the balance falls below $25,000. |
| $100,000 – $249,999Dividends calculated daily and credited monthly. Premier Account will not earn dividends if the balance falls below $25,000. | 1.76% | — | Dividends calculated daily and credited monthly. Premier Account will not earn dividends if the balance falls below $25,000. |
| $250,000 and upDividends calculated daily and credited monthly. Premier Account will not earn dividends if the balance falls below $25,000. | 2.02% | — | Dividends calculated daily and credited monthly. Premier Account will not earn dividends if the balance falls below $25,000. |
Sources (1)
- sdfcu.org/money-markets · captured Oct 22, 2026
Prime Money Market Account
1.21%APY
No service fees. Up to six preauthorized transfers a month (three by check with a $100 minimum). No penalty fees if balance drops below the minimum. Will not earn dividends if the balance falls below $2,000. Interest & dividends may be waived by member request.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily and credited monthly. Prime account will not earn dividends if the balance falls below $2,000. | 1.21% | $121 | Dividends calculated daily and credited monthly. Prime account will not earn dividends if the balance falls below $2,000. |
| $2,000 – $10,000Dividends calculated daily and credited monthly. Prime account will not earn dividends if the balance falls below $2,000. | 1.21% | — | Dividends calculated daily and credited monthly. Prime account will not earn dividends if the balance falls below $2,000. |
| $10,000 – $25,000Dividends calculated daily and credited monthly. Prime account will not earn dividends if the balance falls below $2,000. | 1.21% | $121 | Dividends calculated daily and credited monthly. Prime account will not earn dividends if the balance falls below $2,000. |
Sources (1)
- sdfcu.org/money-markets · captured Oct 22, 2026
Custom Share Savings Account
0.05%APY
Personalize credit union savings account by giving it the preferred name to save for a specific goal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily and credited monthly.Any balance | 0.05% | $5 | Dividends calculated daily and credited monthly. |
Special-purpose accounts
IRA Savings Account
0.50%APY
Available as Traditional or Roth IRA options. Offers a savings rate higher than regular savings rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (1)
- sdfcu.org/iras · captured Oct 4, 2026
Share Savings Account
0.05%APY
Establishes SDFCU membership. Custodian/minor share savings account options available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily and credited monthly. Opening deposit of $1 provided by credit union.Any balance | 0.05% | $5 | Dividends calculated daily and credited monthly. Opening deposit of $1 provided by credit union. |
Who can join State Department Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.