Credit union · NCUA insured
Wellspring Credit Union Savings Rates
Wellspring Credit Union’s best savings rate is 0.75% APY on $10,000, with its Thrive Well Money Market. Rates checked October 16, 2026.
How Wellspring Credit Union’s savings rates compare
Compared with banks and credit unions near Beaumont, TX, where Wellspring Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wellspring Credit Union
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $100
Save Well
Top rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
2nd-highest rate
5Point Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Wellspring Credit Union savings score
82
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.90%
- 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 Wellspring 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.
Save Well
Up to 1.00%APY
Links to free Earn Well or Spend Well checking. Limit 1 account per social security number. Base rate applies if qualifications are not met during Monthly Qualification Cycle (12 debit card purchases post and settle, 1 ACH/direct deposit/bill pay transaction post and settle, and eStatements enrollment).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Qualifications met in linked Earn Well or Spend Well checking account during Monthly Qualification Cycle. | 1.00% | $100 | Qualifications met in linked Earn Well or Spend Well checking account during Monthly Qualification Cycle. |
| Any balanceBase rate if qualifications are not met on Earn Well or Spend Well checking during Monthly Qualification Cycle. | 0.01% | $1 | Base rate if qualifications are not met on Earn Well or Spend Well checking during Monthly Qualification Cycle. |
| $25,000 and upQualifications met in linked Earn Well or Spend Well checking account during Monthly Qualification Cycle. Interest rate 0.24% on portion over $25,000 resulting in APY range from 1.00% to 0.40% depending on balance. | 0.25% | — | Qualifications met in linked Earn Well or Spend Well checking account during Monthly Qualification Cycle. Interest rate 0.24% on portion over $25,000 resulting in APY range from 1.00% to 0.40% depending on balance. |
Thrive Well Money Market
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $25,000 | 0.75% | $75 |
| $25,000 – $50,000 | 0.85% | — |
| $50,000 and up | 0.90% | — |
Sources (1)
- wellspringcu.com/rates · captured Sep 25, 2026
Regular Shares
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- wellspringcu.com/rates · captured Sep 17, 2026
Special-purpose accounts
IRA Regular Shares
0.15%APY
Available as Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. Annual contribution limits apply. Additional $1,000 catch-up contribution allowed for ages 50+.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Who can join Wellspring Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or goes to school in Orange, Newton, Jefferson, and Hardin Counties in Texas is eligible to join.
Family and household
- Immediate family members of members are eligible to join.
Cost to join
- An opening deposit of $20 is required for most accounts.
Membership information collected October 5, 2026.