Credit union · NCUA insured
Wauna Credit Union Savings Rates
Wauna Credit Union’s best savings rate is 0.75% APY on $10,000, with its Elite+ Money Market Account. Rates checked October 22, 2026.
How Wauna Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, OR-WA, where Wauna Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wauna Credit Union
0.75%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $75
Elite+ Money Market Account
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Wauna Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.75%
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 Wauna 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.
Elite+ Money Market Account
0.75%APY
Federally insured through NCUA up to $250,000. Limited to 3 checks and up to 6 transfers per month, with unlimited branch transactions. Minimum balance to earn dividends listed.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $100,000 | 0.75% | $75 |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 – $750,000 | 2.13% | — |
| $750,000 and up | 2.38% | — |
Sources (1)
- waunafcu.org/accounts/personal/personal-savings · captured Oct 15, 2026
Traditional Money Market
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $10,000 | 0.05% | — |
| $10,000 – $40,000 | 0.05% | $5 |
| $40,000 – $50,000 | 0.05% | — |
| $50,000 – $75,000 | 0.10% | — |
| $75,000 – $100,000 | 0.10% | — |
| $100,000 – $250,000 | 0.10% | — |
| $250,000 and up | 0.10% | — |
Sources (1)
- waunafcu.org/understand/rates-fee-schedule · captured Oct 3, 2026
Special-purpose accounts
Jump Start Youth Savings
3.50%APY
Tailored to members ages 18 and younger. High-yield on the first $500, then continues earning competitive dividends. Includes a piggy bank upon opening. Exempt from monthly low balance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000High-yield rate applies to eligible balance tier for members ages 18 and younger.Up to $1,000 | 3.50% | — | High-yield rate applies to eligible balance tier for members ages 18 and younger. |
Sources (2)
All captured Oct 3, 2026
Roth, Roth Conversion, Traditional & SEP IRA
0.50%APY
Offers Traditional, Roth, and Simplified Employee Pension (SEP) IRAs. Early withdrawal penalty of 10% before age 59 1/2 (some exceptions apply). Traditional IRA grows tax-deferred; Roth IRA funded with after-tax money with tax-free earnings and qualified withdrawals; SEP IRA designed for self-employed individuals or small business owners.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.50% | — |
| $2,500 – $5,000 | 0.50% | — |
| $5,000 – $25,000 | 0.50% | $50 |
| $25,000 – $60,000 | 0.85% | — |
| $60,000 – $100,000 | 1.10% | — |
| $100,000 – $125,000 | 1.10% | — |
| $125,000 and up | 1.10% | — |
Sources (1)
- waunafcu.org/accounts/personal/long-term-savings · captured Oct 15, 2026
Coverdell Education Savings Account (ESA)
0.25%APY
Formerly known as an Education IRA, an ESA is a tax-advantaged investment account so you can save towards education expenses from kindergarten to college. Funds can go towards essentials such as tuition, books, uniforms, and more. Tax-free growth on qualified withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.25% | $25 |
Sources (1)
- waunafcu.org/accounts/personal/youth-savings-account · captured Oct 15, 2026
Health Savings Account (HSA)
0.25%APY
Available to individuals with a high-deductible health plan (HDHP). HSA contributions are tax-deductible, earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free. Funds roll over year to year. Once you turn 65, funds can be withdrawn for any reason.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $10,000 | 0.15% | — |
| $10,000 and up | 0.25% | $25 |
Sources (1)
- waunafcu.org/accounts/personal/long-term-savings · captured Oct 15, 2026
Holiday Club
0.10%APY
Holiday Club early withdrawal fee of $2.00 per withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.10% | $10 |
Sources (1)
- waunafcu.org/understand/rates-fee-schedule · captured Oct 3, 2026
Savings / Share Advantage
0.01%APY
Federally insured through NCUA up to $250,000. Earn dividends on balances of $100 or more. Low balance fee of $5.00 per month applies to single service accounts < $300 during the month (waived for personal accounts owned by individuals age 17 and under, or 65 and older).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.01% | — |
| $1,000 – $10,000 | 0.01% | — |
| $10,000 and up | 0.01% | $1 |
Sources (2)
All captured Oct 3, 2026
Who can join Wauna 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 reside in, are employed in, attend school in, or worship in Clatsop, Columbia, and western Washington Counties in Oregon, or Pacific County in Washington are eligible to join.
Employers and groups
- Businesses, organizations, or legal entities within the service area counties are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step- and adoptive relationships) and household members (living in the same residence maintaining a single economic unit) of current members or eligible primary individuals can join.
Cost to join
- A $5.00 share deposit is required to maintain membership.
Membership information collected October 4, 2026.