Credit union · NCUA insured
Trius Federal Credit Union Savings Rates
Top CarrotTrius Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Trius Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Grand Island, NE, where Trius Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Trius Federal Credit Union
0.15%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $15
Share Savings
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Union Bank & Trust
1.24%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $124
Trius Federal Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.40%
- QualifiedQualified3.00%
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 Trius 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.
Smart Saver
3.00%APY on $10,000
Must be linked to a Smart Rate Checking or Smart Bonus Checking account (limit of one Smart Checking account and one Smart Saver per SSN; not available to business members). Automatically receives transferred earnings/rebates. No monthly maintenance fee. Qualifications during each Monthly Qualification Cycle: at least 12 debit card purchases post and settle, at least 1 direct deposit or ACH credit transaction posts and settles, and enrolled in and agree to receive electronic statements. If qualifications are not met in the linked checking account, earns the non-qualifying base rate.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 2.96% |
On $10,000 the tiers blend to about 3.00% APY, earning $300 a year.
Sources (3)
- triusfcu.com/files/trius/1/fil…isclosure---07-16-26.pdf
- triusfcu.com/rates
- triusfcu.com/savings-accounts/smart-saver
All captured Oct 5, 2026
Money Market
0.15%APY
Tiered rate account where the dividend rate for a tier applies to the entire account balance. Dividends compounded and credited monthly on balances of $5,000 or above. Minimum daily balance of $5,000 required to avoid a $7.50 monthly service fee. Limited to 2 free withdrawals per month ($5.00 fee per withdrawal thereafter).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Rate applies to entire balance for balances between $5,000.00 and $24,999.99. Minimum daily balance of $5,000 to avoid $7.50 monthly fee. | 0.15% | $15 | Rate applies to entire balance for balances between $5,000.00 and $24,999.99. Minimum daily balance of $5,000 to avoid $7.50 monthly fee. |
| $25,000 – $50,000Rate applies to entire balance for balances between $25,000.00 and $49,999.99. Minimum daily balance of $5,000 to avoid $7.50 monthly fee. | 0.35% | — | Rate applies to entire balance for balances between $25,000.00 and $49,999.99. Minimum daily balance of $5,000 to avoid $7.50 monthly fee. |
| $50,000 and upRate applies to entire balance for balances of $50,000.00 and over. Minimum daily balance of $5,000 to avoid $7.50 monthly fee. | 0.40% | — | Rate applies to entire balance for balances of $50,000.00 and over. Minimum daily balance of $5,000 to avoid $7.50 monthly fee. |
Sources (3)
- triusfcu.com/files/trius/1/fil…isclosure---07-16-26.pdf
- triusfcu.com/rates
- triusfcu.com/savings-accounts
All captured Oct 5, 2026
Share Savings
0.15%APY
Basic savings account required to establish membership with Trius FCU ($5 opening deposit equals one share and is required to retain membership benefits; par value of one share is $5.00). $100 minimum balance to earn dividends. Average daily balance method used. Limited to 6 preauthorized, automatic, or telephone transfers per month (max 3 by check, draft, or debit card). Excessive withdrawal fee of $2.00 per withdrawal over 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Tiered rate applies to entire balance if within range. | 0.05% | — | Tiered rate applies to entire balance if within range. |
| $5,000 – $10,000Tiered rate applies to entire balance if within range. | 0.10% | — | Tiered rate applies to entire balance if within range. |
| $10,000 – $20,000Tiered rate applies to entire balance if within range. | 0.15% | $15 | Tiered rate applies to entire balance if within range. |
| $20,000 and upTiered rate applies to entire balance if within range. | 0.20% | — | Tiered rate applies to entire balance if within range. |
Sources (3)
- triusfcu.com/files/trius/1/fil…isclosure---07-16-26.pdf
- triusfcu.com/rates
- triusfcu.com/savings-accounts
All captured Oct 5, 2026
Special-purpose accounts
Variable IRA
1.00%APY
Offers Traditional IRA and Roth IRA plans. Limited to 6 preauthorized, automatic, or telephone transfers per month (max 3 by check, draft, or debit card). Variable IRA annual service fee is $10.00/year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening balance of $200. Minimum balance to earn APY is $0.Any balance | 1.00% | $100 | Minimum opening balance of $200. Minimum balance to earn APY is $0. |
Sources (3)
- triusfcu.com/files/trius/1/fil…isclosure---07-16-26.pdf
- triusfcu.com/rates
- triusfcu.com/savings-accounts
All captured Oct 5, 2026
Holiday Club
0.50%APY
Unlimited access to funds in November and December. No minimum balance; dividends paid quarterly if balance exceeds $100 or more. Funds paid by check or transferred to another account on or after October 31 and account remains open. A $10 fee will be assessed for early withdrawals made January through October. Limited to 6 preauthorized, automatic, or telephone transfers per month (max 3 by check, draft, or debit card).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid quarterly if balance exceeds $100 or more. $10 fee assessed for withdrawals made January-October.$100 and up | 0.50% | $50 | Dividends paid quarterly if balance exceeds $100 or more. $10 fee assessed for withdrawals made January-October. |
Sources (2)
All captured Oct 5, 2026
Kids Club
0.25%APY
For individuals 17 years of age and younger; can open with a parent or guardian. Limited to 6 preauthorized, automatic, or telephone transfers per month (max 3 by check, draft, or debit card). Tiered rate applies to entire account balance if within range.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tiered rate applies to entire balance if within range. | 0.10% | — | Tiered rate applies to entire balance if within range. |
| $1,000 – $5,000Tiered rate applies to entire balance if within range. | 0.15% | — | Tiered rate applies to entire balance if within range. |
| $5,000 – $7,500Tiered rate applies to entire balance if within range. | 0.20% | — | Tiered rate applies to entire balance if within range. |
| $7,500 and upTiered rate applies to entire balance if within range. | 0.25% | $25 | Tiered rate applies to entire balance if within range. |
Sources (3)
- triusfcu.com/files/trius/1/fil…isclosure---07-16-26.pdf
- triusfcu.com/rates
- triusfcu.com/savings-accounts
All captured Oct 5, 2026
Who can join Trius 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
- Membership is open to persons who live, work, worship, or attend school in 26 specified Nebraska counties: Adams, Blaine, Buffalo, Custer, Dawson, Franklin, Frontier, Furnas, Gosper, Greeley, Hall, Harlan, Hayes, Hitchcock, Howard, Kearney, Lincoln, Logan, Loup, McPherson, Phelps, Red Willow, Sherman, Valley, Wayne & Webster.
Employers and groups
- If applicants do not meet geographic or family eligibility, membership is available by joining the Nebraska Consumer Council (Open Association in census tract 31109001900) with Trius making the donation at no cost to the applicant.
Family and household
- Membership is open to immediate family members of a person eligible for membership, defined as a spouse, child, sibling, parent, grandparent, or grandchild (including step and adopted relationships).
Membership information collected October 4, 2026.