Credit union · NCUA insured
Washington County Teachers Federal Credit Union Savings Rates
Top CarrotWashington County Teachers Federal Credit Union’s best savings rate is 1.75% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Washington County Teachers Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Washington County Teachers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Washington County Teachers Federal Credit Union
1.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $175
Money Market
Top rate
Mountain Heritage Federal Credit Union
2.53%APY
- Minimum
- —
- Earns on $10,000 a year
- $253
3rd-highest rate
167th TFR Federal Credit Union
1.51%APY
- Minimum
- —
- Earns on $10,000 a year
- $151
Washington County Teachers Federal Credit Union savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.50%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.75%
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 Washington County Teachers 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
1.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upDividends are earned only on balances over $2,500. No minimum balance is required to open the account.$2,500 and up | 1.75% | $175 | Dividends are earned only on balances over $2,500. No minimum balance is required to open the account. |
Sources (3)
All captured Sep 19, 2026
Master Share Account (Savings)
1.50%APY
Account establishes credit union membership. A minimum balance of $5 must remain in the account at all times. Dividends compound daily and are paid/credited monthly on balances of $100 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are compounded daily and paid monthly. Minimum daily balance of $100 required to obtain disclosed APY / earn dividends; no penalty if balance is under $100 but dividends are not paid. A minimum balance of $5 is required to maintain membership.$100 and up | 1.50% | $150 | Dividends are compounded daily and paid monthly. Minimum daily balance of $100 required to obtain disclosed APY / earn dividends; no penalty if balance is under $100 but dividends are not paid. A minimum balance of $5 is required to maintain membership. |
Sources (3)
All captured Sep 19, 2026
Sub Share Savings (Savings)
1.50%APY
May be established for any purpose (vacation, taxes, school, etc.). No minimum balance required to open. No fees assessed. Dividends compound daily and are credited/paid monthly on minimum daily balances of $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are compounded daily and paid monthly. No minimum balance is required to open the account. No fees are assessed on this account. Minimum daily balance of $100 required to earn dividends.$100 and up | 1.50% | $150 | Dividends are compounded daily and paid monthly. No minimum balance is required to open the account. No fees are assessed on this account. Minimum daily balance of $100 required to earn dividends. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Holiday Club
1.50%APY
Special fund throughout the year; full balance is disbursed/distributed in October. No minimum balance required to open. No fees assessed. Dividends compound daily and are credited/paid monthly on minimum daily balances of $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are compounded daily and paid monthly. No minimum balance is required to open the account. No fees are assessed on this account. Full balance is disbursed in October each year. Minimum daily balance of $100 required to earn dividends.$100 and up | 1.50% | $150 | Dividends are compounded daily and paid monthly. No minimum balance is required to open the account. No fees are assessed on this account. Full balance is disbursed in October each year. Minimum daily balance of $100 required to earn dividends. |
Sources (3)
All captured Sep 19, 2026
Who can join Washington County Teachers Federal Credit Union
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