Credit union · NCUA insured
Union Pacific Streamliner Federal Credit Union Savings Rates
Union Pacific Streamliner Federal Credit Union’s best savings rate is 0.55% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Union Pacific Streamliner Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Union Pacific Streamliner Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Union Pacific Streamliner Federal Credit Union
0.55%APY
- Minimum
- —
- Earns on $10,000 a year
- $55
Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornhusker Bank
3.46%APY
- Minimum
- $100
- Earns on $10,000 a year
- $346
Union Pacific Streamliner Federal Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.55%
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 Union Pacific Streamliner 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 Account
Up to 0.55%APY
Eligibility: Union Pacific employees and their families. Dividends paid monthly unless noted.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTier I: Requires minimum balance $100. Members with an average balance under $2,500 will be assessed a $25 monthly fee. After three monthly withdrawals, a fee of $10 will be charged per transaction. | 0.35% | $35 | Tier I: Requires minimum balance $100. Members with an average balance under $2,500 will be assessed a $25 monthly fee. After three monthly withdrawals, a fee of $10 will be charged per transaction. |
| $2,500 and upTier II: Requires minimum balance $2,500. After three monthly withdrawals, a fee of $10 will be charged per transaction. | 0.45% | $45 | Tier II: Requires minimum balance $2,500. After three monthly withdrawals, a fee of $10 will be charged per transaction. |
| $10,000 and upTier III: Requires minimum balance $10,000. After three monthly withdrawals, a fee of $10 will be charged per transaction. | 0.55% | $55 | Tier III: Requires minimum balance $10,000. After three monthly withdrawals, a fee of $10 will be charged per transaction. |
| $25,000 and upTier IV: Requires minimum balance $25,000. After three monthly withdrawals, a fee of $10 will be charged per transaction. | 1.01% | — | Tier IV: Requires minimum balance $25,000. After three monthly withdrawals, a fee of $10 will be charged per transaction. |
| $100,000 and upTier V: Requires minimum balance $100,000. After three monthly withdrawals, a fee of $10 will be charged per transaction. | 1.26% | — | Tier V: Requires minimum balance $100,000. After three monthly withdrawals, a fee of $10 will be charged per transaction. |
Share Savings Account
Up to 0.30%APY
Designed for Union Pacific employees and their families. Cornerstone of membership. $5 to open a share savings account. Members must have an average monthly balance of at least $100 to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upTier I. Members must have an average monthly balance of at least $100 to earn dividends. | 0.25% | $25 | Tier I. Members must have an average monthly balance of at least $100 to earn dividends. |
| $10,000 and upTier II. | 0.30% | $30 | Tier II. |
| $25,000 and upTier III. | 0.35% | — | Tier III. |
| $50,000 and upTier IV. | 0.50% | — | Tier IV. |
| $100,000 and upTier V. | 0.55% | — | Tier V. |
On-Track Savings
0.35%APY
Dividends are paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are paid quarterly.$5 and up | 0.35% | $35 | Dividends are paid quarterly. |
Sources (1)
- upcu.org/rate-chart · captured Sep 18, 2026
Special-purpose accounts
Christmas Club Savings
0.75%APY
Dividends are paid quarterly / yearly on October 31st with funds being transferred into share savings on November 1st. Early withdrawal will close the current year's Christmas Club account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are paid quarterly / yearly on October 31st with funds transferred to share savings on November 1st. Early withdrawal will close the current year's Christmas Club account.$5 and up | 0.75% | $75 | Dividends are paid quarterly / yearly on October 31st with funds transferred to share savings on November 1st. Early withdrawal will close the current year's Christmas Club account. |
Who can join Union Pacific Streamliner Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Contractors of Union Pacific Railroad are eligible for membership.
- All current employees of Union Pacific Railroad and its subsidiaries are eligible for membership, regardless of location.
- Retirees of Union Pacific Railroad and its subsidiaries qualify for membership.
Family and household
- Spouses and immediate family members (spouses, children, siblings, parents, grandparents, and grandchildren) of eligible employees, retirees, and contractors are eligible to join.
Cost to join
- Opening a membership account requires a minimum initial deposit of $25.
Membership information collected October 4, 2026.