Credit union · NCUA insured
Wolf Point Federal Credit Union Savings Rates
Wolf Point Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Primary Share. Rates checked October 22, 2026.
How Wolf Point Federal Credit Union’s savings rates compare
Compared with banks and credit unions in Montana, where Wolf Point Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wolf Point Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Primary Share
Top rate
Daniels-Sheridan Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
2nd-highest rate
Mile High FCU
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
Wolf Point Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Wolf Point 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.
Primary Share
0.50%APY
Primary share account (savings). Dividends are calculated daily and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends on your savings are calculated daily and paid quarterly. Rates may change after the account is opened.Any balance | 0.50% | $50 | Dividends on your savings are calculated daily and paid quarterly. Rates may change after the account is opened. |
Sources (1)
- wpfcu.com/savings_rates.asp · captured Sep 16, 2026
Secondary Share
0.50%APY
Secondary share account (savings). Dividends are calculated daily and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends on your savings are calculated daily and paid quarterly. Rates may change after the account is opened.Any balance | 0.50% | $50 | Dividends on your savings are calculated daily and paid quarterly. Rates may change after the account is opened. |
Sources (1)
- wpfcu.com/savings_rates.asp · captured Sep 16, 2026
Special-purpose accounts
Coverdell ESA
2.02%APY
Coverdell ESA (formerly Educational IRA) account designed solely to help pay higher education expenses. Dividends are paid quarterly. Monies withdrawn before quarter end do not receive a dividend on the withdrawn portion.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarnings are tax-free if used to pay for higher education expenses before the designated beneficiary reaches age 30. Dividends are paid quarterly; monies withdrawn before quarter end do not receive a dividend on the withdrawn portion.Any balance | 2.02% | $202 | Earnings are tax-free if used to pay for higher education expenses before the designated beneficiary reaches age 30. Dividends are paid quarterly; monies withdrawn before quarter end do not receive a dividend on the withdrawn portion. |
ROTH IRA
2.02%APY
ROTH IRA account for long-term personal retirement savings. Dividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply. Early withdrawal penalties apply.Any balance | 2.02% | $202 | Dividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply. Early withdrawal penalties apply. |
Sources (3)
All captured Sep 16, 2026
Traditional IRA
2.02%APY
Individual Retirement Account for long-term personal retirement savings. Dividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply. Early withdrawal penalties apply.Any balance | 2.02% | $202 | Dividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply. Early withdrawal penalties apply. |
Sources (3)
All captured Sep 16, 2026
Traditional Share IRA
2.02%APY
IRA-Conduit account. Dividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA-Conduit account. Dividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply. Early withdrawal penalties apply.Any balance | 2.02% | $202 | IRA-Conduit account. Dividends are accrued daily and paid quarterly. $5.00 opening fee, $10.00 annual maintenance fee, and $5.00 closing fee apply. Early withdrawal penalties apply. |
Sources (3)
All captured Sep 16, 2026
Christmas Club
0.50%APY
Special Christmas club account. Pays an annual dividend and funds are automatically transferred to regular shares or checking during the first week of November. Early withdrawal may result in account closure and loss of accrued dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend period is yearly (November 1 to October 31). Minimum balance required to open is $25.00. Unlimited additions allowed. If any withdrawal is made before the end of the club term the account may be closed and accrued dividend will not be received. Automatically transferred to regular shares or checking during the first week of November.Any balance | 0.50% | $50 | Dividend period is yearly (November 1 to October 31). Minimum balance required to open is $25.00. Unlimited additions allowed. If any withdrawal is made before the end of the club term the account may be closed and accrued dividend will not be received. Automatically transferred to regular shares or checking during the first week of November. |
Sources (2)
All captured Sep 16, 2026
Non-Personal Share
0.50%APY
APR is simple interest without compounding. Dividends calculated daily, paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (1)
- wpfcu.com/savings_rates.asp · captured Sep 16, 2026
Pee Wee Penguin
0.50%APY
Pee-Wee Penguin account (under 12). Dividends are calculated daily and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor ages under 12. Dividends on your savings are calculated daily and paid quarterly. Rates may change after the account is opened.Any balance | 0.50% | $50 | For ages under 12. Dividends on your savings are calculated daily and paid quarterly. Rates may change after the account is opened. |
Sources (1)
- wpfcu.com/savings_rates.asp · captured Sep 16, 2026
Who can join Wolf Point Federal Credit Union
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