Credit union · NCUA insured
TruWest Credit Union Savings Rates
Top CarrotTruWest Credit Union’s best savings rate is 0.90% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How TruWest Credit Union’s savings rates compare
Compared with banks and credit unions near Phoenix, AZ, where TruWest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruWest Credit Union
0.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $90
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
Alhambra Credit Union
4.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $404
TruWest Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0001.65%
- QualifiedQualified0.90%
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 TruWest 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 Account
0.90%APY
Must be a TruWest member with a minimum $5 balance in Share Savings required to be eligible for services. Additional opening deposit of $10,000 for Money Market. No minimum balance required after opening. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.10% | — |
| $10,000 – $24,999 | 0.90% | $90 |
| $25,000 – $49,999 | 1.00% | — |
| $50,000 – $99,999 | 1.35% | — |
| $100,000 – $249,999 | 1.65% | — |
| $250,000 and up | 2.00% | — |
Select Savings Account
0.10%APY
Must also have an active Share Savings Account. No monthly service fee, no minimum account balance, no minimum opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPYs based on monthly compounding. Must have active Share Savings account.Any balance | 0.10% | $10 | APYs based on monthly compounding. Must have active Share Savings account. |
Share Savings Account
0.10%APY
Must be a TruWest member with a minimum $5 membership deposit and continuing balance. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum $5 balance in Share Savings required. APYs based on monthly compounding.$5 and up | 0.10% | $10 | Minimum $5 balance in Share Savings required. APYs based on monthly compounding. |
Special-purpose accounts
IRA Savings
1.00%APY
Must be a TruWest member with a minimum $5 membership deposit and continuing balance. Available in Traditional, Roth, and ESA (Coverdell Educational Savings Account) options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPYs based on monthly compounding. Requires TruWest membership.Any balance | 1.00% | $100 | APYs based on monthly compounding. Requires TruWest membership. |
Sources (3)
All captured Oct 3, 2026
Christmas Club Account
0.25%APY
Must also have an active Share Savings Account. Access saved funds in early November. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPYs based on monthly compounding. Must have active Share Savings account.Any balance | 0.25% | $25 | APYs based on monthly compounding. Must have active Share Savings account. |
Youth Savings Account
0.10%APY
Access for kids younger than 18 years old. Account must be opened in person with birth certificate and social security card. $5 deposit covered by TruWest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAPYs based on monthly compounding. $5 deposit covered by TruWest.$5 and up | 0.10% | $10 | APYs based on monthly compounding. $5 deposit covered by TruWest. |
Who can join TruWest Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, own a business, or attend school in Maricopa, Pinal, Pima, or Yavapai County, AZ, or Travis or Williamson County, TX.
Family and household
- Eligible if you are related to a current member as a spouse, natural or adopted child, foster or step-child, parent or parent-in-law, grandparent or grandchild, brother or sister, stepbrother or stepsister, brother- or sister-in-law, or son- or daughter-in-law.
- Eligible if you are the surviving spouse of a deceased member.
Cost to join
- Must have a minimum $5 opening deposit and continued balance.
Membership information collected October 4, 2026.