Credit union · NCUA insured
Vida Federal Credit Union Savings Rates
Top CarrotVida Federal Credit Union’s best savings rate is 0.70% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Vida Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Riverside, CA, where Vida Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vida Federal Credit Union
0.70%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $70
Money Market Account
Top rate
EverBank
4.20%APY
- Minimum
- $0
- Earns on $10,000 a year
- $420
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Vida Federal Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0000.70%
- QualifiedQualified0.70%
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 Vida 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.
Summer Saver w/ Loyalty Rewards
6.50%APY
Requires Loyalty Rewards eligibility.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires Loyalty RewardsAny balance | 6.50% | $650 | Requires Loyalty Rewards |
Sources (1)
- vidafcu.org/rates · captured Oct 16, 2026
Summer Saver
6.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 6.00% | $600 |
Sources (1)
- vidafcu.org/rates · captured Oct 16, 2026
Money Market Account
0.70%APY
Maximum of five withdrawals per month is permitted; excess withdrawals subject to a per-transaction fee. Minimum withdrawal is $100. Standard check order included free at account opening ($15 value).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance to earn APY is $2,500. Minimum initial deposit and minimum balance to maintain is $2,500. For all accounts except certificates, dividend rate and APY may change every month as determined by the Board of Directors.$2,500 and up | 0.70% | $70 | Minimum balance to earn APY is $2,500. Minimum initial deposit and minimum balance to maintain is $2,500. For all accounts except certificates, dividend rate and APY may change every month as determined by the Board of Directors. |
Advantage Savings
0.55%APY
No penalty for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25,000 and up | 0.55% | — |
Plus Savings
0.40%APY
No early withdrawal penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 and up | 0.40% | $40 |
Regular Savings
0.10%APY
Membership account required for all credit union members. Becoming a member gives access to all credit union products and services. Vida deposits the $5 membership share.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Special-purpose accounts
Holiday Savings Account
0.10%APY
Automatic year-round savings plan with enrollment open throughout the year. Funds disbursed on the first business day in November. No fee charged for early withdrawal of funds. Dividends credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
IRA Share Account
0.10%APY
Available for Traditional IRAs, Roth IRAs, and Education IRAs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Who can join Vida Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live, work (or regularly conduct business in), worship, or attend school in San Bernardino County, California.
- Membership is open to business and other legal entities, incorporated and unincorporated organizations located in, or maintaining a facility located in San Bernardino County, California.
Employers and groups
- Membership is open to individuals or businesses who participate in associations headquartered in San Bernardino County.
- Membership is open to employees of the credit union.
- Membership is open to organizations of eligible persons.
Family and household
- Membership is open to immediate family or household members of eligible persons.
3 more ways to join
Family and household
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to individuals or businesses who participate in programs to alleviate poverty or distress.
- Membership is open to community volunteers.
Membership information collected October 5, 2026.