Credit union · NCUA insured
TruGrocer Federal Credit Union Savings Rates
TruGrocer Federal Credit Union’s best savings rate is 0.70% APY on $10,000, with its Money Market Share Account (MMSA). Rates checked October 22, 2026.
How TruGrocer Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Boise City, ID, where TruGrocer Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruGrocer Federal Credit Union
0.70%APY
- Minimum
- —
- Earns on $10,000 a year
- $70
Money Market Share Account (MMSA)
Top rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
TruGrocer Federal Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.36%
- QualifiedQualified0.70%
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 TruGrocer 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.
Money Market Share Account (MMSA)
0.70%APY
Applicants must have established membership through a Regular Share Account (S1). Minimum balance requirement is $2,500. Up to 6 telephone or electronic transfers allowed per calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Must maintain a daily balance of $2,500 to obtain disclosed APY. No service fees. | 0.70% | $70 | Must maintain a daily balance of $2,500 to obtain disclosed APY. No service fees. |
| $25,000 – $100,000No service fees. | 0.95% | — | No service fees. |
| $100,000 – $350,000APY listed for $100,000 to $249,999.99 tier; dividend rate stated for $100,000 to $349,999.99. No service fees. | 1.36% | — | APY listed for $100,000 to $249,999.99 tier; dividend rate stated for $100,000 to $349,999.99. No service fees. |
| $350,000 and upNo service fees. | 1.51% | — | No service fees. |
Sources (1)
- trugrocer.com/Documents/Disclo…oneymarkedisclosure.aspx · captured Sep 16, 2026
Premier Money Market Share Account (PMMSA)
Up to 1.51%APY
PMMSA applicants must have established membership through a Regular Share Account (S1). Minimum balance requirement is $50,000. Features automatic sweep transfer to Share Draft (Checking) Account down to $50,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 – $100,000Must maintain a daily balance of $50,000 to obtain disclosed APY. No service fees. | 1.11% | — | Must maintain a daily balance of $50,000 to obtain disclosed APY. No service fees. |
| $100,000 – $350,000No service fees. | 1.36% | — | No service fees. |
| $350,000 and upNo service fees. | 1.51% | — | No service fees. |
Sources (2)
All captured Sep 16, 2026
Regular Shares
0.05%APY
Every member has a Share 1 with a $5 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividend Rate Declared Last Month: 0.05%. $5 minimum balance.$5 and up | 0.05% | $5 | Dividend Rate Declared Last Month: 0.05%. $5 minimum balance. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Account
0.50%APY
Available as Traditional IRA and Roth/Roth Conversion IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional IRA and Roth/Roth Conversion IRA. Dividend Rate Declared Last Month: 0.50%.Any balance | 0.50% | $50 | Applies to Traditional IRA and Roth/Roth Conversion IRA. Dividend Rate Declared Last Month: 0.50%. |
Sources (3)
All captured Sep 16, 2026
Christmas and Vacation Clubs
0.05%APY
Designed to help you save payroll deduction. Funds in Vacation Club automatically withdrawn on last business day in April; Christmas Club on last business day in October. Up to 3 additional withdrawals per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend Rate Declared Last Month: 0.05%.Any balance | 0.05% | $5 | Dividend Rate Declared Last Month: 0.05%. |
Sources (2)
All captured Sep 16, 2026
Health Savings Accounts
0.05%APY
Eligible if covered under a high-deductible health plan (HDHP), not covered by non-HDHP plan, not enrolled in Medicare, and not eligible to be claimed as dependent.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend Rate Declared Last Month: 0.05%.Any balance | 0.05% | $5 | Dividend Rate Declared Last Month: 0.05%. |
Sources (2)
All captured Sep 16, 2026
Who can join TruGrocer Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.