Credit union · NCUA insured
Transcend Credit Union Savings Rates
Transcend Credit Union’s best savings rate is 0.10% APY on $10,000, with its Personal Reserve. Rates checked October 22, 2026.
How Transcend Credit Union’s savings rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Transcend Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Transcend Credit Union
0.10%APY
- Minimum
- —
- Earns on $10,000 a year
- $10
Personal Reserve
Top rate
LG&E Co. Credit Union
5.12%APY
- Minimum
- $50
- Earns on $10,000 a year
- $512
2nd-highest rate
Beacon Community Credit Union
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Transcend Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0004.50%
- QualifiedQualified0.10%
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 Transcend 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.
Promo Super Money Market
2.50%APY
APYs effective 10/1/26. Variable rate account. APYs for each dividend tier in effect are guaranteed through 3/31/27; beginning 4/1/27, APYs will be based on dividend tier rates in effect at that time and subject to change monthly. Minimum opening deposit $25,000. Minimum withdrawal amount $250 each. 6 free withdrawals per month; $5.00 fee applies to each additional withdrawal. No monthly maintenance fees. Membership eligibility required. Federally insured by NCUA. Funds deposited must be new money.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000APY guaranteed through 3/31/27. Variable rate thereafter. | 2.50% | $250 | APY guaranteed through 3/31/27. Variable rate thereafter. |
| $25,000 – $50,000APY guaranteed through 3/31/27. Variable rate thereafter. | 4.00% | — | APY guaranteed through 3/31/27. Variable rate thereafter. |
| $50,000 and upAPY guaranteed through 3/31/27. Variable rate thereafter. Minimum average daily balance of $50,000 required to earn 4.50% APY. | 4.50% | — | APY guaranteed through 3/31/27. Variable rate thereafter. Minimum average daily balance of $50,000 required to earn 4.50% APY. |
Sources (1)
- transcendcu.com/accounts/depos…promo-super-money-market · captured Oct 15, 2026
Relationship Money Market
Up to 0.25%APY
Variable rate account. Rates subject to change monthly. Minimum opening deposit of $25,000 required. Accounts maintaining at least one qualified product receive the base tier rate plus additional basis points (+0.05% APY each for qualifying Checking, Credit Card, Personal Loan, and Home Loan, up to +0.20% APY total). If a $25,000 average daily balance is not maintained and there are no qualifying products on the account for 60 days, account may be closed and funds transferred to Regular Savings. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000APY with all qualifying products (+0.20% APY bonus). | 0.25% | $25 | APY with all qualifying products (+0.20% APY bonus). |
| Up to $25,000Base APY without qualifying products. | 0.05% | $5 | Base APY without qualifying products. |
| $25,000 – $100,000APY with all qualifying products (+0.20% APY bonus). | 0.75% | — | APY with all qualifying products (+0.20% APY bonus). |
| $25,000 – $100,000Base APY without qualifying products. | 0.55% | — | Base APY without qualifying products. |
| $100,000 – $250,000APY with all qualifying products (+0.20% APY bonus). | 1.00% | — | APY with all qualifying products (+0.20% APY bonus). |
| $100,000 – $250,000Base APY without qualifying products. | 0.80% | — | Base APY without qualifying products. |
| $250,000 and upAPY with all qualifying products (+0.20% APY bonus). | 1.25% | — | APY with all qualifying products (+0.20% APY bonus). |
| $250,000 and upBase APY without qualifying products. | 1.04% | — | Base APY without qualifying products. |
Sources (2)
All captured Oct 15, 2026
Personal Reserve
0.10%APY
Minimum balance requirement is $5,000. Dividends calculated using a tiered dividend rate. You must maintain the amount stated in each tier to earn the disclosed APY for that tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Requires maintaining tier balance. Account has an overall minimum balance requirement of $5,000. | 0.05% | — | Requires maintaining tier balance. Account has an overall minimum balance requirement of $5,000. |
| $5,000 – $25,000Requires maintaining tier balance. | 0.10% | $10 | Requires maintaining tier balance. |
| $25,000 – $50,000Requires maintaining tier balance. | 0.15% | — | Requires maintaining tier balance. |
| $50,000 – $100,000Requires maintaining tier balance. | 0.20% | — | Requires maintaining tier balance. |
| $100,000 and upRequires maintaining tier balance. | 0.25% | — | Requires maintaining tier balance. |
Regular Savings
0.05%APY
You must maintain a minimum average daily balance of $5 in your account to obtain the disclosed annual percentage yield. To avoid a monthly maintenance fee as listed in the Fee Schedule, one or more of the following is required: average daily combined deposit balances of $300 or more, a checking account, loan or credit card, under age 26 or over age 65, or the first 12 months after account opening. Up to $5 may be required to open share.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Requires minimum average daily balance of $5 to obtain APY. Up to $5 may be required to open share. Variable rate. | 0.05% | $5 | Requires minimum average daily balance of $5 to obtain APY. Up to $5 may be required to open share. Variable rate. |
| $15,000 – $50,000Requires maintaining stated tier balance. Up to $5 may be required to open share. Variable rate. | 0.10% | — | Requires maintaining stated tier balance. Up to $5 may be required to open share. Variable rate. |
| $50,000 and upRequires maintaining stated tier balance. Up to $5 may be required to open share. Variable rate. | 0.15% | — | Requires maintaining stated tier balance. Up to $5 may be required to open share. Variable rate. |
Special-purpose accounts
Elevate Eagle Savings
5.00%APY
For children ages 0-12 years old. One account per minor. 100% match on deposits made within the first 30 days up to $100 (matched funds deposited same day). Balances over $1,000 and balances after the first 12 months receive applicable tier Regular Savings rate. No opening or minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to the first $1,000 for the first 12 months after account opening. Variable rate account.Up to $1,000 | 5.00% | — | Applies to the first $1,000 for the first 12 months after account opening. Variable rate account. |
MyCash Savings
5.00%APY
For teens ages 13-17 years old. One account per minor. Balances over $1,000 and balances after the first 12 months from account opening receive applicable tier Regular Savings rate. No opening or minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to the first $1,000 for the first 12 months after account opening. Variable rate account.Up to $1,000 | 5.00% | — | Applies to the first $1,000 for the first 12 months after account opening. Variable rate account. |
Sources (2)
- transcendcu.com/accounts/perso…compare-savings-accounts
- transcendcu.com/accounts/personal-savings/youth-savings
All captured Oct 22, 2026
Promo IRA Super Money Market
2.50%APY
Includes Traditional IRA and Roth IRA wrappers. APYs effective 10/1/26. Variable rate account. APYs for each dividend tier in effect are guaranteed through 3/31/27; beginning 4/1/27, APYs will be based on dividend tier rates in effect at that time and subject to change monthly. Minimum opening deposit $25,000. Minimum withdrawal amount $250 each. 6 free withdrawals per month; $5.00 fee applies to each additional withdrawal. No monthly maintenance fees. Subject to applicable IRS rules and contribution limits. Membership eligibility required. Federally insured by NCUA. Funds deposited must be new money.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000APY guaranteed through 3/31/27. Variable rate thereafter. Available for Traditional and Roth IRA. | 2.50% | $250 | APY guaranteed through 3/31/27. Variable rate thereafter. Available for Traditional and Roth IRA. |
| $25,000 – $50,000APY guaranteed through 3/31/27. Variable rate thereafter. Available for Traditional and Roth IRA. | 4.00% | — | APY guaranteed through 3/31/27. Variable rate thereafter. Available for Traditional and Roth IRA. |
| $50,000 and upAPY guaranteed through 3/31/27. Variable rate thereafter. Minimum average daily balance of $50,000 required to earn 4.50% APY. Available for Traditional and Roth IRA. | 4.50% | — | APY guaranteed through 3/31/27. Variable rate thereafter. Minimum average daily balance of $50,000 required to earn 4.50% APY. Available for Traditional and Roth IRA. |
Sources (1)
- transcendcu.com/accounts/depos…promo-super-money-market · captured Oct 15, 2026
Who can join Transcend Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who works, lives, worships, or attends school in Anderson, Bourbon, Boyle, Bullitt, Clark, Daviess, Estill, Fayette, Franklin, Garrard, Harrison, Henry, Jefferson, Jessamine, Lincoln, Madison, Mercer, Nicholas, Oldham, Powell, Scott, Shelby, Spencer, Trimble, and Woodford counties in Kentucky.
Membership information collected October 4, 2026.