Credit union · NCUA insured
Strategic FCU Savings Rates
Strategic FCU’s best savings rate is 1.11% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Strategic FCU’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Strategic FCU has the most branches. $10,000, best rate first.
This credit union’s best
Strategic FCU
1.11%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $111
Money Market
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
Strategic FCU savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.11%
- $100,000 balance$100,0001.61%
- QualifiedQualified1.11%
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 Strategic FCU 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
1.11%APY
Pays dividends monthly. No minimum withdrawals required. Internet access.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 1.11% | $111 |
| $25,000 and up | 1.61% | — |
Sources (2)
All captured Sep 19, 2026
Share Savings
0.15%APY
Maintains membership with a $5.00 deposit. Dividends compounded and paid quarterly. Five withdrawals per month allowed before fee is imposed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends. Minimum daily balance required to obtain APY for dividend period.$100 and up | 0.15% | $15 | $100 minimum balance to earn dividends. Minimum daily balance required to obtain APY for dividend period. |
Sources (3)
- strategicfcu.org/products/accounts.html
- strategicfcu.org/rates.html
- strategicfcu.org/truth_in_savings.html
All captured Sep 19, 2026
Special-purpose accounts
IRA Shares
0.50%APY
Individual Retirement Account (IRA) savings. Covers Traditional IRA, Roth IRA, Roth Conversion IRA, and Education IRA wrappers. Dividends compounded and paid quarterly. No account withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid quarterly.Any balance | 0.50% | $50 | Dividends compounded and paid quarterly. |
Sources (3)
- strategicfcu.org/products/accounts.html
- strategicfcu.org/rates.html
- strategicfcu.org/truth_in_savings.html
All captured Sep 19, 2026
Holiday Club
0.25%APY
Builds savings all year in a separate account; balance plus dividends transferred in November (or paid by check/transferred on or after October 1). A fee may be charged for each withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid quarterly.Any balance | 0.25% | $25 | Dividends compounded and paid quarterly. |
Sources (3)
- strategicfcu.org/products/accounts.html
- strategicfcu.org/rates.html
- strategicfcu.org/truth_in_savings.html
All captured Sep 19, 2026
Who can join Strategic FCU
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