Credit union · NCUA insured
United Savings Credit Union Savings Rates
United Savings Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Share Accounts. Rates checked October 22, 2026.
How United Savings Credit Union’s savings rates compare
Compared with banks and credit unions near Fargo, ND-MN, where United Savings Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Savings Credit Union
0.75%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $75
Money Market Share Accounts
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
United Savings Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.75%
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 United Savings 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 Accounts
0.75%APY
Dividends are accrued on a tiered scale based on the total balance in the account and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 0.75% | $75 |
| $25,001 – $100,000 | 1.50% | — |
| $100,000 and up | 2.00% | — |
Sources (2)
All captured Sep 19, 2026
Regular Share Accounts
0.05%APY
$25.00 deposit establishes membership. Dividends are computed and paid quarterly. No minimum balance requirement to maintain account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.05% | $5 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Share Accounts
1.50%APY
Traditional and Roth IRA accounts available. Deposits are voluntary and can be made throughout the year. Dividends are computed and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Sources (2)
All captured Sep 19, 2026
Who can join United Savings Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living within a 75-mile radius of the credit union's home office in Fargo, North Dakota are eligible for membership.
Employers and groups
- Organizations located within a 75-mile radius of the home office in Fargo, North Dakota are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Cost to join
- Membership requires depositing $25.00 into a regular share account.
Membership information collected October 4, 2026.