Credit union · NCUA insured
West Texas CU Savings Rates
West Texas CU’s best savings rate is 0.90% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How West Texas CU’s savings rates compare
Compared with banks and credit unions near Odessa, TX, where West Texas CU has the most branches. $10,000, best rate first.
This credit union’s best
West Texas CU
0.90%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $90
Money Market
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
West Texas CU savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0001.15%
- QualifiedQualified0.90%
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 West Texas CU 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
0.90%APY
Limited transactions. Minimum withdrawals/deposits of $100. Dividends accrue daily and are paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upInterest paid monthly. | 0.90% | $90 | Interest paid monthly. |
| $25,000 and upInterest paid monthly. | 1.15% | — | Interest paid monthly. |
Savings
Up to 0.25%APY
Limited to 6 withdrawals per month. Dividends/interest paid quarterly. Not eligible for a debit card. Identification required at opening (Driver's license, Social Security card) and funds for initial opening fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upInterest paid quarterly. | 0.10% | $10 | Interest paid quarterly. |
| $5,000 and upInterest paid quarterly. | 0.25% | $25 | Interest paid quarterly. |
Special-purpose accounts
IRA
0.69%APY
Interest paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upInterest paid quarterly.$100 and up | 0.69% | $69 | Interest paid quarterly. |
Who can join West Texas CU
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