Credit union · NCUA insured
State Farm Federal Credit Union Savings Rates
Top CarrotState Farm Federal Credit Union’s best savings rate is 4.08% APY on $10,000, with its E-Shares. Rates checked October 16, 2026.
How State Farm Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Bloomington, IL, where State Farm Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
State Farm Federal Credit Union
4.08%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $408
Representative Payee Account
2nd-highest rate
IAA Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
3rd-highest rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
State Farm Federal Credit Union savings score
99
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0004.08%
- $10,000 balance$10,0004.08%
- $100,000 balance$100,0004.08%
- QualifiedQualified4.08%
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 Farm 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.
E-Shares
4.08%APY
Minimum withdrawal is $10.00. Also referenced as Electronic Share Accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded daily and credited monthly.Any balance | 4.08% | $408 | Dividends are compounded daily and credited monthly. |
Sources (2)
All captured Oct 6, 2026
Estate Account
4.08%APY
May be created when an authorized individual (executor or administrator) requests transfer of a deceased member's account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.08% | $408 |
Sources (2)
All captured Oct 6, 2026
Representative Payee Account
4.08%APY
For individuals appointed by the Social Security Administration to manage Social Security or Supplemental Security Income (SSI) for a recipient beneficiary.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.08% | $408 |
Sources (2)
All captured Oct 6, 2026
Share Savings Accounts
4.08%APY
Membership is open to all U.S. State Farm employees, agents, retirees, and certain members of their immediate families. Par Value of a Membership Share is $5.00 ($10.00 for joint ownership accounts) to maintain membership. Minimum withdrawal is $10.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit is $5.00 for primary account ($10.00 for joint accounts). Dividends are compounded daily and credited monthly.Any balance | 4.08% | $408 | Minimum opening deposit is $5.00 for primary account ($10.00 for joint accounts). Dividends are compounded daily and credited monthly. |
Sources (2)
All captured Oct 6, 2026
Trust Account
4.08%APY
May be set up if the Grantor of the trust is within the Credit Union's field of membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.08% | $408 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Guardian Account
4.08%APY
Opened by an individual appointed by court to care for property/person of an incompetent person or minor.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.08% | $408 |
Sources (2)
All captured Oct 6, 2026
IRA Savings Accounts
4.08%APY
Traditional IRA Account contributions are typically tax deductible; earnings are usually tax-deferred until withdrawn.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded daily and credited monthly.Any balance | 4.08% | $408 | Dividends are compounded daily and credited monthly. |
Sources (3)
- statefarmfcu.com/about-us/beco…member/rate-fee-schedule
- statefarmfcu.com/rates-2
- statefarmfcu.com/savings/ira-accounts
All captured Oct 6, 2026
Minor Account
4.08%APY
Must be jointly held with an individual who has reached the age of majority (e.g., a parent or guardian). SFFCU Young Savers Program funds the initial $5 share deposit when opened for a child under the age of 12 months.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.08% | $408 |
Sources (2)
All captured Oct 6, 2026
UTMA/UGMA Account
4.08%APY
Irrevocable gift or transfer to the minor; custodian controls funds for benefit of the minor.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.08% | $408 |
Sources (2)
All captured Oct 6, 2026
Closed to new customers
Secondary Account
4.08%APY
Requires opening a required primary share savings account first.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.08% | $408 |
Sources (2)
All captured Oct 6, 2026
Who can join State Farm 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 all U.S. State Farm employees, agents, and retirees.
Family and household
- Membership is open to certain immediate family members of U.S. State Farm employees, agents, and retirees (legally married spouse, domestic partnership or civil union, children under 26, or incapable children over 26).
Membership information collected October 5, 2026.