Credit union · NCUA insured
Wellby Financial Savings Rates
Top CarrotWellby Financial’s best savings rate is 0.10% APY on $10,000, with its Primary Savings. Rates checked October 16, 2026.
How Wellby Financial’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Wellby Financial has the most branches. $10,000, best rate first.
This credit union’s best
Wellby Financial
1.77%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $177
Wellby Savings Plus
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Wellby Financial savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.63%
- $10,000 balance$10,0000.88%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.77%
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 Wellby Financial 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.
Wellby Savings Plus
Up to 1.77%APY
Must be at least 18 years of age to open. Tiered rate share account. Bonus rate requires active checking and transaction count.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Bonus rate tier for balances $0 - $9,999.99. Requires active checking and transactions. | 1.26% | — | Bonus rate tier for balances $0 - $9,999.99. Requires active checking and transactions. |
| Up to $10,000Standard rate tier for balances $0 - $9,999.99. | 0.63% | — | Standard rate tier for balances $0 - $9,999.99. |
| $10,000 – $25,000Bonus rate tier for balances $10,000 - $24,999.99. Requires active checking and transactions. | 1.77% | $177 | Bonus rate tier for balances $10,000 - $24,999.99. Requires active checking and transactions. |
| $10,000 – $25,000Standard rate tier for balances $10,000 - $24,999.99. | 0.88% | $88 | Standard rate tier for balances $10,000 - $24,999.99. |
| $25,000 – $50,000Bonus rate tier for balances $25,000 - $49,999.99. Requires active checking and transactions. | 2.28% | — | Bonus rate tier for balances $25,000 - $49,999.99. Requires active checking and transactions. |
| $25,000 – $50,000Standard rate tier for balances $25,000 - $49,999.99. | 1.13% | — | Standard rate tier for balances $25,000 - $49,999.99. |
| $50,000 – $100,000Bonus rate tier for balances $50,000 - $99,999.99. Requires active checking and transactions. | 2.79% | — | Bonus rate tier for balances $50,000 - $99,999.99. Requires active checking and transactions. |
| $50,000 – $100,000Standard rate tier for balances $50,000 - $99,999.99. | 1.38% | — | Standard rate tier for balances $50,000 - $99,999.99. |
| $100,000 – $250,000Bonus rate tier for balances $100,000 - $249,999.99. Requires active checking and transactions. | 3.05% | — | Bonus rate tier for balances $100,000 - $249,999.99. Requires active checking and transactions. |
| $100,000 – $250,000Standard rate tier for balances $100,000 - $249,999.99. | 1.51% | — | Standard rate tier for balances $100,000 - $249,999.99. |
| $250,000 and upBonus rate tier for balances $250,000+. Requires active checking and transactions. | 3.30% | — | Bonus rate tier for balances $250,000+. Requires active checking and transactions. |
| $250,000 and upStandard rate tier for balances $250,000+. | 1.64% | — | Standard rate tier for balances $250,000+. |
Sources (1)
- wellbyfinancial.com/rates-center/deposit-rates-pdf · captured Oct 16, 2026
Primary Savings
0.10%APY
Requires $5 opening deposit. No minimum balance required after opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn APY is $0.01.Over $0 | 0.10% | $10 | Minimum balance to earn APY is $0.01. |
Sources (1)
- wellbyfinancial.com/rates-center/deposit-rates-pdf · captured Oct 16, 2026
Wellby Savings
0.10%APY
Opening deposit terms conflict: schedule states $0, product page states $5. Requires $0 minimum to avoid service fee. May be closed after 60 days of zero balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn APY is $0.01.Over $0 | 0.10% | $10 | Minimum balance to earn APY is $0.01. |
Sources (1)
- wellbyfinancial.com/rates-center/deposit-rates-pdf · captured Oct 16, 2026
Special-purpose accounts
Wellby Achievement Savings
0.10%APY
Must be 4 to 17 years of age. Requires $5 opening deposit. Converts to Primary Savings at age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn APY is $0.01.Over $0 | 0.10% | $10 | Minimum balance to earn APY is $0.01. |
Sources (1)
- wellbyfinancial.com/rates-center/deposit-rates-pdf · captured Oct 16, 2026
Wellby IRA Savings
0.10%APY
Includes Traditional, Roth, and Coverdell/Educational IRA savings wrappers. Requires $0.00 initial deposit and has no minimum balance requirements. Accounts unfunded with zero balance within 60 days of opening may be closed due to inactivity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn APY is $0.01. Minimum balance to avoid service fee is $0.00.Over $0 | 0.10% | $10 | Minimum balance to earn APY is $0.01. Minimum balance to avoid service fee is $0.00. |
Closed to new customers
Wellby Early Start Savings
0.10%APY
Must be 4 to 12 years of age. Sunset as of 09/08/2026; existing accounts grandfathered. Requires $5 opening deposit. Rate row not visible in 10/1/2026 schedule.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn APY is $0.01.Over $0 | 0.10% | $10 | Minimum balance to earn APY is $0.01. |
Sources (2)
- wellbyfinancial.com/globalasse…sclosure_es_8.5.2026.pdf
- wellbyfinancial.com/rates-center/deposit-rates-pdf
All captured Oct 16, 2026
Who can join Wellby Financial
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