The People's Federal Credit Union Savings & Money Market Rates

How The People's Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Amarillo, TX, where The People's Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
The People's Federal Credit Union
0.35%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$35
Share Savings Account
Top rate
First National Bank of Hereford
3.03%APY
Requires
Monthly account activity
Minimum
$100
Earns on $10,000 a year
$303
First National Bank of Hereford rates
2nd-highest rate
First National Bank Texas
2.00%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$200
First National Bank Texas rates

Compare savings rates near you →

Savings score

Higher than 39% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0000.35%
$100,000 balance$100,0000.50%
QualifiedQualified0.35%

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.

How the score works →

Where The People's 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.

Share Savings Account

0.35%APY$25 to open

Must be a TPFCU member with a minimum $25 deposit. Earn an extra 0.10% dividend on regular share savings account when holding loans over $10,000. Dividends calculated on average daily balance and compounded and credited quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.	0.25%	—	Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.
$2,500 – $5,000Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.	0.25%	—	Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.
$5,000 – $10,000Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.	0.35%	$35	Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.
$10,000 – $50,000Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.	0.40%	—	Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.
Over $50,000Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.	0.50%	—	Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.

Sources (4)

All captured Sep 17, 2026

Special-purpose accounts

Individual Retirement Account (IRA)

0.50%APYIRA$100 to open

Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account (ESA). Minimum opening deposit is $100. Must be at least 18 years old and have earned income to open an IRA or rollover IRA. Dividends compounded and credited quarterly based on average daily balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,000Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.	0.50%	—	Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.
$2,000 – $10,000Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.	0.50%	$50	Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.
$10,000 – $20,000Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.	0.75%	—	Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.
Over $20,000Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.	1.00%	—	Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.

Sources (5)

All captured Sep 17, 2026

Who can join The People's 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

Individuals who live, work, or worship in Canyon, Childress, Hereford, parts of Amarillo, or Deaf Smith County, Texas are eligible for membership.

Employers and groups

Individuals who work for or have retired from a company served by TPFCU are eligible for membership.

Family and household

Individuals who have a family member who is already a TPFCU member are eligible for membership.

Cost to join

A required $25 initial deposit into a Membership Savings Account is needed to establish membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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