Credit union · NCUA insured
U.S. Eagle Federal Credit Union Savings Rates
U.S. Eagle Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Investment Plus Money Market. Rates checked October 22, 2026.
How U.S. Eagle Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Albuquerque, NM, where U.S. Eagle Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
U.S. Eagle Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $50
Investment Plus Money Market
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
U.S. Eagle Federal Credit Union savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.50%
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 U.S. Eagle 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.
Investment Plus Money Market
0.50%APY
Minimum opening balance is $1,000. Account is tiered-rate based on balance. Variable rate account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Tier 1: $100 to $999.99 | 0.00% | — | Tier 1: $100 to $999.99 |
| $1,000 – $25,000Tier 2: $1,000 to $24,999.99 | 0.50% | $50 | Tier 2: $1,000 to $24,999.99 |
| $25,000 – $50,000Tier 3: $25,000 to $49,999.99 | 0.55% | — | Tier 3: $25,000 to $49,999.99 |
| $50,000 – $100,000Tier 4: $50,000 to $99,999.99 | 0.60% | — | Tier 4: $50,000 to $99,999.99 |
| $100,000 – $150,000Tier 5: $100,000 to $149,999.99 | 0.60% | — | Tier 5: $100,000 to $149,999.99 |
| $150,000 – $250,000Tier 6: $150,000 to $249,999.99 | 0.60% | — | Tier 6: $150,000 to $249,999.99 |
| $250,000 and upTier 7: $250,000+ | 0.60% | — | Tier 7: $250,000+ |
Sources (1)
- useagle.org/rates/investment-p…ney-market-account-rates · captured Oct 3, 2026
Primary Share Savings Account
0.05%APY
Requirement for US Eagle membership. Must qualify for US Eagle membership, including $5 share deposit. Restricted Primary Share Savings Option available for those who have a challenged credit history (restrictions apply).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividend.$100 and up | 0.05% | $5 | Minimum $100 balance to earn dividend. |
Sources (2)
All captured Oct 22, 2026
Special Share Savings Account
0.05%APY
Save for a special purpose. Add to balance anytime. Unlimited withdrawals with no penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividend.$100 and up | 0.05% | $5 | Minimum $100 balance to earn dividend. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Health Savings Account
0.50%APY
Not eligible for use with HSA debit card. Subject to IRS guidelines for HSAs. Variable rate account. Rates may change at any time without prior notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Variable rate account. | 0.00% | — | Variable rate account. |
| $1,000 – $24,999Variable rate account. | 0.50% | $50 | Variable rate account. |
| $25,000 – $49,999Variable rate account. | 0.55% | — | Variable rate account. |
| $50,000 – $99,999Variable rate account. | 0.60% | — | Variable rate account. |
| $100,000 – $149,000Variable rate account. | 0.60% | — | Variable rate account. |
| $150,000 – $249,000Variable rate account. | 0.60% | — | Variable rate account. |
| $250,000 and upVariable rate account. | 0.60% | — | Variable rate account. |
Sources (2)
All captured Oct 22, 2026
IRA Share Savings Account
0.50%APY
Available as Traditional, Roth, SEP, and Coverdell IRA share savings accounts. Variable rate accounts. Must qualify for US Eagle membership, including $5 share deposit. Rates may change at any time without prior notice. Federally insured up to $250,000 per deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Variable rate account. | 0.00% | — | Variable rate account. |
| $1,000 – $24,999Variable rate account. | 0.50% | $50 | Variable rate account. |
| $25,000 – $49,999Variable rate account. | 0.55% | — | Variable rate account. |
| $50,000 – $99,999Variable rate account. | 0.60% | — | Variable rate account. |
| $100,000 – $149,000Variable rate account. | 0.60% | — | Variable rate account. |
| $150,000 – $249,000Variable rate account. | 0.60% | — | Variable rate account. |
| $250,000 and upVariable rate account. | 0.60% | — | Variable rate account. |
Sources (2)
All captured Oct 22, 2026
Holiday Savings Account
0.05%APY
Matures each November (transferred to your checking or primary savings account). Add to balance anytime. Unlimited withdrawals with no penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividend.$100 and up | 0.05% | $5 | Minimum $100 balance to earn dividend. |
Sources (2)
All captured Oct 15, 2026
Kids Savings Account
0.05%APY
Open to children up to 12 years old. Parent/guardian must sign for account and ATM/debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividend.$100 and up | 0.05% | $5 | Minimum $100 balance to earn dividend. |
Sources (2)
All captured Oct 22, 2026
Teen Savings Account
0.05%APY
Open to teens 13–17 years old. Parent/guardian must sign for account and ATM/debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum $100 balance to earn dividend.$100 and up | 0.05% | $5 | Minimum $100 balance to earn dividend. |
Sources (2)
All captured Oct 22, 2026
Who can join U.S. Eagle Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who does not meet other qualifications may become eligible by funding a $10.00 contribution to the ARNIA foundation.
Where you live or work
- Individuals who live, work, worship, or attend school in San Juan County, NM, or in census tracts 0101, 0103, 0104, 010701, and 010501 in Sandoval County, NM are eligible for membership.
Employers and groups
- Employees or members of one of more than 400 partner organizations (SEGs) are eligible for membership.
Military, government and schools
- U.S. Government employees (accruing regular benefits) working in or supervised from Bernalillo, Valencia, or Socorro County, NM are eligible, subject to specified agency and base exclusions.
Family and household
- Individuals who have a family member or roommate who is an existing U.S. Eagle member are eligible.
Cost to join
- A share deposit of $5 is required for opening a savings account as part of ownership requirements.
- A $10.00 contribution to ARNIA is required when joining via the foundation donation route.
Membership information collected October 4, 2026.