Credit union · NCUA insured
Welcome Federal Credit Union Savings Rates
Top CarrotWelcome Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How Welcome Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Raleigh, NC, where Welcome Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Welcome Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $100
Money Market Accounts
Top rate
Langley Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Coastal Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $325
Welcome Federal Credit Union savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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 Welcome 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 Accounts
1.00%APY
Initial deposit and minimum balance of $1,000. There is a $3 monthly fee for balances below $1,000. Limited to six withdrawals/transactions per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum deposit required to open is $1,000.00; minimum daily balance of $1,000.00 required to avoid a $3 monthly fee. Dividends are compounded and credited monthly.$1,000 and up | 1.00% | $100 | Minimum deposit required to open is $1,000.00; minimum daily balance of $1,000.00 required to avoid a $3 monthly fee. Dividends are compounded and credited monthly. |
Sources (2)
All captured Oct 7, 2026
Regular Savings Accounts
0.05%APY
Also serves as your share of ownership in the credit union. Applicant must be 18 years of age.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends credited and compounded quarterly.$5 and up | 0.05% | $5 | Dividends credited and compounded quarterly. |
Special-purpose accounts
IRAs
0.10%APY
Available as Traditional IRA and Roth IRA wrappers. No maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited and compounded quarterly.Any balance | 0.10% | $10 | Dividends credited and compounded quarterly. |
Sources (2)
All captured Oct 15, 2026
Christmas Club Accounts
0.01%APY
Automatic monthly deposit available. One withdrawal per quarter permitted. Applicant must be 18 years of age.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends credited and compounded quarterly.$5 and up | 0.01% | $1 | Dividends credited and compounded quarterly. |
Who can join Welcome Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.