Credit union · NCUA insured
UFCU Savings Rates
Top CarrotUFCU’s best savings rate is 0.01% APY on $10,000, with its Savings. Rates checked October 16, 2026.
How UFCU’s savings rates compare
Compared with banks and credit unions near Austin, TX, where UFCU has the most branches. $10,000, best rate first.
This credit union’s best
UFCU
0.15%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
UFCU savings score
62
Savings score
Higher than 6% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.01%
- $100,000 balance$100,0000.01%
- QualifiedQualified0.15%
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 UFCU 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
Up to 0.15%APY
Minimum deposit required to open is $2,500. Stated interest rate is paid on the portion of the balance within the specified tier.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000With Bonus Dividend. Applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account. | 0.06% | $6 | With Bonus Dividend. Applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account. |
| Up to $10,000 | 0.01% | $1 | |
| $10,000 – $50,000Blended APY range is 0.01-0.12% (or 0.06-0.13% with Bonus Dividend). | 0.15% | $15 | Blended APY range is 0.01-0.12% (or 0.06-0.13% with Bonus Dividend). |
| $50,000 – $100,000Blended APY range is 0.12-0.31% (or 0.13-0.32% with Bonus Dividend). | 0.50% | — | Blended APY range is 0.12-0.31% (or 0.13-0.32% with Bonus Dividend). |
| $100,000 – $500,000Blended APY range is 0.31-0.86% (or 0.32-0.86% with Bonus Dividend). | 1.00% | — | Blended APY range is 0.31-0.86% (or 0.32-0.86% with Bonus Dividend). |
| $500,000 – $1,000,000Blended APY range is 0.86-1.68%. | 2.50% | — | Blended APY range is 0.86-1.68%. |
| $1,000,000 and upBlended APY range is 1.68-3.25%. | 3.25% | — | Blended APY range is 1.68-3.25%. |
Sources (1)
- ufcu.org/personal/savings/money-market · captured Sep 17, 2026
Savings
0.01%APY
Dividends calculated by daily balance method, based on earnings at dividend period end. Free of monthly service fee. Membership requires $1 par value share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to accrue dividends. Rate is variable and subject to change after account is opened. Fees could reduce earnings. Dividends paid quarterly.$100 and up | 0.01% | $1 | $100 minimum balance to accrue dividends. Rate is variable and subject to change after account is opened. Fees could reduce earnings. Dividends paid quarterly. |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Kidz Savings
0.25%APY
For youngsters / kids. Fee-free.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upRate is variable and subject to change after account is opened. Fees could reduce earnings.$1 and up | 0.25% | $25 | Rate is variable and subject to change after account is opened. Fees could reduce earnings. |
Sources (1)
- ufcu.org/personal/savings/savings · captured Sep 17, 2026
Teen Savings
0.25%APY
For 13- to 17-year-old teenagers. Fee-free.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upRate is variable and subject to change after account is opened. Fees could reduce earnings.$1 and up | 0.25% | $25 | Rate is variable and subject to change after account is opened. Fees could reduce earnings. |
Sources (1)
- ufcu.org/personal/savings/savings · captured Sep 17, 2026
Variable-Rate IRA
0.01%APY
Traditional IRAs and Roth IRAs available. Variable-rate option allows deposits at any time without fixed term. Dividends calculated by daily balance method and compounded. Federally insured up to $250,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate is variable and subject to change after account is opened. Fees could reduce earnings.Any balance | 0.01% | $1 | Rate is variable and subject to change after account is opened. Fees could reduce earnings. |
Sources (2)
All captured Sep 17, 2026
Who can join UFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join UFCU for free through membership in the American Consumer Council.
Employers and groups
- Employees, students, or alumni of partner organizations (Foundation Communities, Goodwill, Indeed, YMCA) are eligible for membership.
Military, government and schools
- Employees, students, or alumni of participating educational institutions and affiliated medical centers are eligible for membership.
Membership information collected October 5, 2026.