Credit union · NCUA insured
Wakota Federal Credit Union Savings Rates
Wakota Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Wakota Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Wakota Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wakota Federal Credit Union
0.10%APY
- Minimum
- $1
- Earns on $10,000 a year
- $10
Money Market
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Wakota Federal Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- 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 Wakota 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
0.10%APY
Offers long-term yields like a certificate with flexible access like a regular savings account. Minimum balance to open of $1. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends paid monthly. | 0.00% | — | Dividends paid monthly. |
| $2,500 – $24,999Dividends paid monthly. | 0.10% | $10 | Dividends paid monthly. |
| $25,000 and upDividends paid monthly. | 0.15% | — | Dividends paid monthly. |
Sources (1)
- wakotafcu.org/accounts · captured Oct 16, 2026
Primary Share Savings
0.01%APY
Minimum opening deposit/balance and membership share of $5. Dividends paid quarterly with a $100 average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Dividends paid quarterly based on the calendar year. | 0.00% | — | Dividends paid quarterly based on the calendar year. |
| $100 and upDividends with a $100 average daily balance, paid quarterly based on the calendar year. | 0.01% | $1 | Dividends with a $100 average daily balance, paid quarterly based on the calendar year. |
Sources (1)
- wakotafcu.org/accounts · captured Oct 16, 2026
Regular Shared Savings
0.01%APY
Additional Regular Shared Savings account type requires $1 to open. Dividends paid quarterly with a $100 average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Dividends paid quarterly based on the calendar year. | 0.00% | — | Dividends paid quarterly based on the calendar year. |
| $100 and upDividends with a $100 average daily balance, paid quarterly based on the calendar year. | 0.01% | $1 | Dividends with a $100 average daily balance, paid quarterly based on the calendar year. |
Sources (1)
- wakotafcu.org/accounts · captured Oct 16, 2026
Special Savings
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Dividends paid quarterly based on the calendar year. | 0.00% | — | Dividends paid quarterly based on the calendar year. |
| $100 and upDividends paid quarterly based on the calendar year. | 0.01% | $1 | Dividends paid quarterly based on the calendar year. |
Sources (1)
- wakotafcu.org/accounts · captured Oct 16, 2026
Special-purpose accounts
WINcentive Savings
1.50%APY · 1 term
Exclusively for credit union members. Works like a holiday club account requiring a commitment to save for a 12-month period with no cash withdrawals. Offers monthly, quarterly, and annual prize drawing entries for every $25 saved (up to 4 entries per month).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires a commitment to save for a 12-month period with no cash withdrawals. Dividends paid quarterly based on the calendar year | 1.50% | $150 |
Beagle Buck$ (Youth Savings)
0.01%APY
Kids' Club account for members ages 12 and under. Minimum deposit of $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Kids' Club member account for ages 12 and under. Dividends paid quarterly based on the calendar year. | 0.00% | — | Kids' Club member account for ages 12 and under. Dividends paid quarterly based on the calendar year. |
| $100 and upKids' Club member account for ages 12 and under. Dividends paid quarterly based on the calendar year. | 0.01% | $1 | Kids' Club member account for ages 12 and under. Dividends paid quarterly based on the calendar year. |
Sources (1)
- wakotafcu.org/accounts · captured Oct 16, 2026
Who can join Wakota Federal Credit Union
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