Credit union · NCUA insured
Voyage Federal Credit Union Savings Rates
Top CarrotVoyage Federal Credit Union’s best savings rate is 1.71% APY on $10,000, with its Summit. Rates checked October 22, 2026.
How Voyage Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Voyage Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Voyage Federal Credit Union
1.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $171
Summit
Top rate
ONE AMERICAN BANK
3.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $300
2nd-highest rate
Citi
3.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $300
Voyage Federal Credit Union savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.41%
- $10,000 balance$10,0001.71%
- $100,000 balance$100,0002.32%
- QualifiedQualified1.71%
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 Voyage 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.
Summit
1.71%APY
Dividends apply to accounts with a minimum balance of $100. Rates are based on qualifications and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends apply to accounts with a minimum balance of $100. | 1.41% | — | Dividends apply to accounts with a minimum balance of $100. |
| $10,000 – $25,000Dividends apply to accounts with a minimum balance of $100. | 1.71% | $171 | Dividends apply to accounts with a minimum balance of $100. |
| $25,000 – $100,000Dividends apply to accounts with a minimum balance of $100. | 2.07% | — | Dividends apply to accounts with a minimum balance of $100. |
| $100,000 – $200,000Dividends apply to accounts with a minimum balance of $100. | 2.32% | — | Dividends apply to accounts with a minimum balance of $100. |
| $200,000 and upDividends apply to accounts with a minimum balance of $100. | 2.53% | — | Dividends apply to accounts with a minimum balance of $100. |
Sources (1)
- voyagefcu.org/about/rates · captured Oct 22, 2026
Foundation Savings
0.05%APY
Required opening account for every Voyage member, and the first $5 you deposit stays put, serving as your lifelong share in the credit union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Journey Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- voyagefcu.org/services/savings-investing · captured Oct 22, 2026
Special-purpose accounts
IRA Shares
1.71%APY
Traditional & Roth IRAs available. IRA Share Accounts & IRA Share Certificates. Potential tax benefits depending on account type. No monthly fees or application fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 1.41% | — |
| $10,000 – $25,000 | 1.71% | $171 |
| $25,000 – $100,000 | 2.07% | — |
| $100,000 – $200,000 | 2.32% | — |
| $200,000 and up | 2.53% | — |
Sources (2)
All captured Oct 22, 2026
Horizon Savings
0.05%APY
Funds are locked until your selected date (May 1 or November 1). Perfect for budgeting for gifts, getaways, or big plans. Deposits return to your Foundation Savings account. Dividends apply to horizon/holiday accounts with a minimum balance of $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends apply to horizon/holiday accounts with a minimum balance of $100.$100 and up | 0.05% | $5 | Dividends apply to horizon/holiday accounts with a minimum balance of $100. |
Sources (2)
All captured Oct 22, 2026
Youth Club
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (1)
- voyagefcu.org/about/rates · captured Oct 22, 2026
Who can join Voyage 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
- Persons who live, work (or regularly conduct business in), worship, or attend school in rural districts in 25 counties across 4 states are eligible for membership.
Other ways
- Businesses and other legal entities located in rural districts in 25 counties across 4 states are eligible for membership.
Membership information collected October 4, 2026.