Credit union · NCUA insured
Wave Federal Credit Union Savings Rates
Wave Federal Credit Union’s best savings rate is 0.85% APY on $10,000, with its Money Market Savings Account. Rates checked October 22, 2026.
How Wave Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Providence, RI-MA, where Wave Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wave Federal Credit Union
0.85%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $85
Money Market Savings Account
Top rate
St. Anne's Credit Union
4.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $495
2nd-highest rate
Alltrust Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Wave Federal Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.85%
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 Wave 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 Savings Account
0.85%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $9,999 | 0.75% | — |
| $10,000 – $24,999 | 0.85% | $85 |
| $25,000 – $49,999 | 1.00% | — |
| $50,000 and up | 1.50% | — |
Sources (1)
- wavefcu.org/rates · captured Oct 3, 2026
E Share Account
0.25%APY
Requires receiving electronic statements (E-Statements) instead of paper statements. No monthly fees. Low $5 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires electronic statements instead of paper statements.$5 and up | 0.25% | $25 | Requires electronic statements instead of paper statements. |
Basic Share Account
0.15%APY
Requires a $5.00 minimum deposit to open and join Wave. No monthly fees. Monthly/quarterly statements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.15% | $15 |
Special-purpose accounts
Educational IRA Share Account
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.15% | $15 |
Sources (1)
- wavefcu.org/rates · captured Oct 3, 2026
Holiday Club
0.15%APY
Distributes in early October. Open at any time and contribute as much as you wish.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDistributes in early October.$5 and up | 0.15% | $15 | Distributes in early October. |
IRA Share Account
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.15% | $15 |
Sources (1)
- wavefcu.org/rates · captured Oct 3, 2026
Roth IRA Share Account
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.15% | $15 |
Sources (1)
- wavefcu.org/rates · captured Oct 3, 2026
Vacation Club
0.15%APY
Distributes in early June. Open at any time and contribute as much as you wish.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDistributes in early June.$5 and up | 0.15% | $15 | Distributes in early June. |
Who can join Wave Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.