Bank · FDIC insured
Woodruff Federal Savings and Loan Association Savings Rates
Woodruff Federal Savings and Loan Association’s best savings rate is 3.53% APY on $10,000, with its Passbook Savings Account. Rates checked October 22, 2026.
How Woodruff Federal Savings and Loan Association’s savings rates compare
Compared with banks and credit unions near Spartanburg, SC, where Woodruff Federal Savings and Loan Association has the most branches. $10,000, best rate first.
This bank’s best
Woodruff Federal Savings and Loan Association
3.53%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $353
Passbook Savings Account
2nd-highest rate
MTC Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
3rd-highest rate
Truliant Federal Credit Union
3.40%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Woodruff Federal Savings and Loan Association savings score
96
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.53%
- $10,000 balance$10,0003.53%
- $100,000 balance$100,0003.53%
- QualifiedQualified3.53%
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 Woodruff Federal Savings and Loan Association ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Passbook Savings Account
3.53%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly. APY assumes no principal or interest withdrawn prior to maturity. Fees could reduce earnings.Any balance | 3.53% | $353 | Compounded quarterly. APY assumes no principal or interest withdrawn prior to maturity. Fees could reduce earnings. |
Sources (1)
- woodrufffederal.com/savings · captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.