Credit union · NCUA insured
The Police Credit Union Savings Rates
The Police Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market Wealth Builder Account. Rates checked October 16, 2026.
How The Police Credit Union’s savings rates compare
Compared with banks and credit unions near San Francisco, CA, where The Police Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The Police Credit Union
0.80%APY
- Requires
- Monthly account activity
- Minimum
- $2,500
- Earns on $10,000 a year
- $80
Smart Advantage Money Market Account
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
The Police Credit Union savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.80%
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 The Police 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.
Smart Advantage Money Market Account
0.80%APY
Requires credit union membership. Allows up to 6 checks written per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $15,000Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. | 0.80% | $80 | Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. |
| $15,000 – $50,000Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. | 2.00% | — | Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. |
| $50,000 – $100,000Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. | 2.60% | — | Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. |
| $100,000 – $150,000Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. | 3.41% | — | Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. |
| $150,000 – $250,000Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. | 3.46% | — | Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. |
| $250,000 and upRequires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. | 3.66% | — | Requires qualifying checking account, e-statements enrollment, and 5 or more PIN/signature point-of-sale transactions monthly. |
Sources (2)
- thepolicecu.org/savings/money-market-accounts
- thepolicecu.org/rates-and-features/savings-account-rates
All captured Oct 16, 2026
Money Market Wealth Builder Account
0.05%APY
Federally insured savings vehicle with tiered interest rates and check-writing access for up to 6 checks per month. Requires credit union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $15,000 | 0.05% | $5 |
| $15,000 – $50,000 | 0.80% | — |
| $50,000 – $100,000 | 1.10% | — |
| $100,000 – $150,000 | 1.26% | — |
| $150,000 – $250,000 | 1.65% | — |
| $250,000 and up | 1.90% | — |
Sources (2)
- thepolicecu.org/savings/money-market-accounts
- thepolicecu.org/rates-and-features/savings-account-rates
All captured Oct 16, 2026
Tiered Savings
0.05%APY
No monthly service or maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Minimum opening deposit is $500 (or $2,500 per general schedule terms). Dividend Rate and APY are based on the entire daily balance. Dividends compounded and credited monthly. | 0.05% | — | Minimum opening deposit is $500 (or $2,500 per general schedule terms). Dividend Rate and APY are based on the entire daily balance. Dividends compounded and credited monthly. |
| $5,000 – $15,000Minimum opening deposit is $500 (or $2,500 per general schedule terms). Dividend Rate and APY are based on the entire daily balance. Dividends compounded and credited monthly. | 0.05% | $5 | Minimum opening deposit is $500 (or $2,500 per general schedule terms). Dividend Rate and APY are based on the entire daily balance. Dividends compounded and credited monthly. |
| $15,000 – $50,000Minimum opening deposit is $500 (or $2,500 per general schedule terms). Dividend Rate and APY are based on the entire daily balance. Dividends compounded and credited monthly. | 0.50% | — | Minimum opening deposit is $500 (or $2,500 per general schedule terms). Dividend Rate and APY are based on the entire daily balance. Dividends compounded and credited monthly. |
| $50,000 and upMinimum opening deposit is $500 (or $2,500 per general schedule terms). Dividend Rate and APY are based on the entire daily balance. Dividends compounded and credited monthly. | 1.01% | — | Minimum opening deposit is $500 (or $2,500 per general schedule terms). Dividend Rate and APY are based on the entire daily balance. Dividends compounded and credited monthly. |
Savings (Share Account)
0.05%APY
Must be a member of The Police Credit Union; requires purchasing five shares ($25.00 par value). No monthly service or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain at least $25.00 each day to obtain disclosed APY. Dividends compounded and credited monthly.$25 and up | 0.05% | $5 | Must maintain at least $25.00 each day to obtain disclosed APY. Dividends compounded and credited monthly. |
Special-purpose accounts
IRA Savings
0.05%APY
Individual Retirement Account subject to IRS rules, limitations, and penalties. No monthly service or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain at least $100.00 each day to obtain disclosed APY. Dividends compounded and credited monthly.$100 and up | 0.05% | $5 | Must maintain at least $100.00 each day to obtain disclosed APY. Dividends compounded and credited monthly. |
Sources (3)
- thepolicecu.org/media/rejj1ao3…_about_your_accts_25.pdf
- thepolicecu.org/rates-and-features/savings-account-rates
- thepolicecu.org/savings/iras
All captured Sep 16, 2026
Who can join The Police Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.