Credit union · NCUA insured
United Southeast Federal Credit Union Savings Rates
Top CarrotUnited Southeast Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How United Southeast Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Kingsport, TN-VA, where United Southeast Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Southeast Federal Credit Union
0.40%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
United Southeast Federal Credit Union savings score
76
Savings score
Higher than 42% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.40%
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 Southeast 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
0.40%APY
Minimum balance requirement of $1,000. Limit of six withdrawals/transfers per month. Dividends compounded and paid monthly. Membership is established by maintaining $5 in a share/savings account with USFCU.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $1,000 – $5,000$1,000 to open | 0.25% | $1,000 | — |
| $5,000 – $25,000Unknown to open | 0.40% | Unknown | $40 |
| $25,000 – $50,000Unknown to open | 0.50% | Unknown | — |
| $50,000 – $100,000Unknown to open | 0.70% | Unknown | — |
| $100,000 and upUnknown to open | 0.80% | Unknown | — |
Mad Money Account
0.10%APY
No minimum balance required. Open-ended account allowing deposits and withdrawals anytime. Dividends compounded and paid quarterly; minimum balance of $100 required to earn dividends.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 – $2,500Minimum balance of $100.00 required to earn dividends. · $5 to open | 0.10% | $5 | — | Minimum balance of $100.00 required to earn dividends. |
| $2,500 – $5,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $5,000 – $15,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | $10 | Minimum balance of $100.00 required to earn dividends. |
| $15,000 – $25,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.15% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $25,000 – $50,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.20% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $50,000 and upMinimum balance of $100.00 required to earn dividends. · Unknown to open | 0.25% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
Regular Share (Savings) Account
0.10%APY
Requires maintaining a $5.00 balance in a share/savings account to establish and maintain membership. Dividends compounded and paid quarterly; minimum balance of $100.00 required to earn dividends.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 – $2,500Minimum balance of $100.00 required to earn dividends. · $5 to open | 0.10% | $5 | — | Minimum balance of $100.00 required to earn dividends. |
| $2,500 – $5,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $5,000 – $15,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | $10 | Minimum balance of $100.00 required to earn dividends. |
| $15,000 – $25,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.15% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $25,000 – $50,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.20% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $50,000 and upMinimum balance of $100.00 required to earn dividends. · Unknown to open | 0.25% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
Special-purpose accounts
Christmas Club Account
0.10%APY
No minimum balance required. On October 1, after dividends have posted, all funds transfer into regular savings account. Dividends compounded and paid quarterly; minimum balance of $100 required to earn dividends.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 – $2,500Minimum balance of $100.00 required to earn dividends. · $5 to open | 0.10% | $5 | — | Minimum balance of $100.00 required to earn dividends. |
| $2,500 – $5,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $5,000 – $15,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | $10 | Minimum balance of $100.00 required to earn dividends. |
| $15,000 – $25,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.15% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $25,000 – $50,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.20% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $50,000 and upMinimum balance of $100.00 required to earn dividends. · Unknown to open | 0.25% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
IRA Share Account
0.10%APY
Available as Traditional and Roth IRAs. Minimum balance requirement of $5. Dividends compounded and paid quarterly; minimum balance of $100 required to earn dividends. After reaching $1,000, funds can be transferred to an IRA certificate plan.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 – $2,500Minimum balance of $100.00 required to earn dividends. · $5 to open | 0.10% | $5 | — | Minimum balance of $100.00 required to earn dividends. |
| $2,500 – $5,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $5,000 – $15,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | $10 | Minimum balance of $100.00 required to earn dividends. |
| $15,000 – $25,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.15% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $25,000 – $50,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.20% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $50,000 and upMinimum balance of $100.00 required to earn dividends. · Unknown to open | 0.25% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
Vacation Club Account
0.10%APY
No minimum balance required. Open-ended account allowing deposits and withdrawals anytime. Dividends compounded and paid quarterly; minimum balance of $100 required to earn dividends.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 – $2,500Minimum balance of $100.00 required to earn dividends. · $5 to open | 0.10% | $5 | — | Minimum balance of $100.00 required to earn dividends. |
| $2,500 – $5,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $5,000 – $15,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.10% | Unknown | $10 | Minimum balance of $100.00 required to earn dividends. |
| $15,000 – $25,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.15% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $25,000 – $50,000Minimum balance of $100.00 required to earn dividends. · Unknown to open | 0.20% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
| $50,000 and upMinimum balance of $100.00 required to earn dividends. · Unknown to open | 0.25% | Unknown | — | Minimum balance of $100.00 required to earn dividends. |
Who can join United Southeast Federal Credit Union
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