Credit union · NCUA insured
UNOFCU Savings Rates
UNOFCU’s best savings rate is 0.10% APY on $10,000, with its Regular Savings Account. Rates checked October 16, 2026.
How UNOFCU’s savings rates compare
Compared with banks and credit unions near New Orleans, LA, where UNOFCU has the most branches. $10,000, best rate first.
This credit union’s best
UNOFCU
0.10%APY
- Minimum
- $5
- Earns on $10,000 a year
- $10
Regular Savings Account
Top rate
Keesler Federal Credit Union
3.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
UNOFCU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 UNOFCU 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.
Regular Savings Account
0.10%APY
Your regular savings account is your UNOFCU membership account required for you to begin enjoying all the benefits of credit union membership. Minimum deposit of $5.00, $5.00 one-time membership fee. Dividends compounded daily based on each day's ending balance. Excessive withdrawal fee of $5.00 imposed for over three withdrawals in one month. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn stated APY is $50.00. Dividend rates declared quarterly and paid on first day of each calendar quarter. Dividends compounded daily based on daily balance.$50 and up | 0.10% | $10 | Minimum balance to earn stated APY is $50.00. Dividend rates declared quarterly and paid on first day of each calendar quarter. Dividends compounded daily based on daily balance. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 0.75%APY
Offers Traditional, Roth, and Coverdell IRA account types. No account transfer/withdrawal limitations apply under Truth-In-Savings disclosures.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceNo minimum balance to earn stated APY. Dividend rates declared quarterly and paid on first day of each calendar quarter.Any balance · Unknown to open | 0.75% | Unknown | $75 | No minimum balance to earn stated APY. Dividend rates declared quarterly and paid on first day of each calendar quarter. |
| Any balance$500.00 minimum opening deposit. Dividends compounded daily, credited monthly based on daily balance.Any balance · $500 to open | 0.75% | $500 | $75 | $500.00 minimum opening deposit. Dividends compounded daily, credited monthly based on daily balance. |
Sources (4)
- unofcu.org/additional-account-types
- unofcu.org/investments
- unofcu.org/rate-fee-schedule
- unofcu.org/savings-rates
All captured Oct 5, 2026
Christmas Club
0.10%APY
Save for holiday season expenses throughout the year. Open from November through February. On or after November 1, the entire balance will be transferred to another account of yours and the account will remain open. Early withdrawal fee applies ($15.00) unless withdrawal occurs within 7 days of opening. Account transfer and withdrawal limitations apply. Fund with payroll deduction.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn stated APY. Dividend rates declared quarterly and paid on first day of each calendar quarter. Dividends compounded daily based on daily balance.Any balance | 0.10% | $10 | No minimum balance to earn stated APY. Dividend rates declared quarterly and paid on first day of each calendar quarter. Dividends compounded daily based on daily balance. |
Sources (3)
All captured Oct 5, 2026
Summer Savings Withheld Payroll Account
0.10%APY
Available for employees of: University of New Orleans, New Beginnings Schools Foundation, Audubon Charter School, Ben Franklin High School. A portion will be periodically transferred to regular UNOFCU Savings Account over 6 disbursements between May 31 through August 15. Early withdrawal fee applies ($15.00) unless withdrawal occurs within 7 days of opening. Account transfer and withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn stated APY. Dividend rates declared quarterly and paid on first day of each calendar quarter. Dividends compounded daily based on daily balance.Any balance | 0.10% | $10 | No minimum balance to earn stated APY. Dividend rates declared quarterly and paid on first day of each calendar quarter. Dividends compounded daily based on daily balance. |
Sources (3)
All captured Oct 5, 2026
Who can join UNOFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents, employers, employees, and individuals who worship or attend school in St. Bernard Parish and Orleans Parish are eligible to join.
Military, government and schools
- Alumni of the University of New Orleans are eligible to join UNOFCU.
- Faculty and staff of the university community are eligible to join UNOFCU.
- Currently enrolled international students at LSU New Orleans are eligible for membership.
- Current and transfer students of LSU New Orleans / University of New Orleans are eligible to join.
Family and household
- Parents of LSU New Orleans students may open an account or be a joint member with their student.
Cost to join
- A $5.00 membership fee is waived for international students.
- A $5.00 membership fee is standard but waived for incoming and transfer students.
Membership information collected October 5, 2026.