Credit union · NCUA insured
Xplore Federal Credit Union Savings Rates
Xplore Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Flex Fund Money Market Account. Rates checked October 16, 2026.
How Xplore Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New Orleans, LA, where Xplore Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Xplore Federal Credit Union
0.50%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $50
Saver
Top rate
Keesler Federal Credit Union
3.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
Xplore Federal Credit Union savings score
78
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.25%
- 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 Xplore 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.
Flex Fund Money Market Account
0.50%APY
Tiered rates where higher balances earn higher rates. Includes direct check writing, unlimited withdrawals, and no monthly service fee. Compounded daily, credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Compounded daily, credited monthly. | 0.00% | — | Compounded daily, credited monthly. |
| $2,000 – $10,000Compounded daily, credited monthly. | 0.05% | — | Compounded daily, credited monthly. |
| $10,000 – $25,000Compounded daily, credited monthly. | 0.50% | $50 | Compounded daily, credited monthly. |
| $25,000 – $50,000Compounded daily, credited monthly. | 0.75% | — | Compounded daily, credited monthly. |
| $50,000 – $100,000Compounded daily, credited monthly. | 1.00% | — | Compounded daily, credited monthly. |
| $100,000 – $250,000Compounded daily, credited monthly. | 1.25% | — | Compounded daily, credited monthly. |
| $250,000 and upCompounded daily, credited monthly. | 1.50% | — | Compounded daily, credited monthly. |
Sources (2)
- xplorefcu.com/personal/persona…oney-market-account.html
- xplorefcu.com/services-tools/tools/rates.html
All captured Sep 18, 2026
Saver
Up to 0.50%APY
Links to High Yield Spend Checking account. To earn higher rate tiers, must meet monthly qualification cycle requirements in High Yield Spend: at least 12 debit card purchases, enrolled in and agree to receive eStatements, and enrolled in and log into online banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000When qualifications are met in High Yield Spend account. | 0.50% | $50 | When qualifications are met in High Yield Spend account. |
| Any balanceBase rate applied to all balances if qualifications are not met in High Yield Spend account. | 0.05% | $5 | Base rate applied to all balances if qualifications are not met in High Yield Spend account. |
| $50,000 and upApplies to the portion of average daily balance over $50,000 when qualifications are met in High Yield Spend account. | 0.25% | — | Applies to the portion of average daily balance over $50,000 when qualifications are met in High Yield Spend account. |
Regular Share
0.10%APY
Establishes membership with the credit union. $5 minimum balance required to keep the account open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Compounded monthly / credited monthly. | 0.00% | — | Compounded monthly / credited monthly. |
| $200 – $10,000Compounded monthly / credited monthly. | 0.05% | — | Compounded monthly / credited monthly. |
| $10,000 – $250,000Compounded monthly / credited monthly. | 0.10% | $10 | Compounded monthly / credited monthly. |
| $250,000 and upCompounded monthly / credited monthly. | 0.15% | — | Compounded monthly / credited monthly. |
Special-purpose accounts
IRA Flex Fund Account
0.50%APY
IRA money market account sharing the Flex Fund rate schedule. Compounded daily, credited monthly. Subject to IRA annual maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Compounded daily, credited monthly. | 0.00% | — | Compounded daily, credited monthly. |
| $2,000 – $10,000Compounded daily, credited monthly. | 0.05% | — | Compounded daily, credited monthly. |
| $10,000 – $25,000Compounded daily, credited monthly. | 0.50% | $50 | Compounded daily, credited monthly. |
| $25,000 – $50,000Compounded daily, credited monthly. | 0.75% | — | Compounded daily, credited monthly. |
| $50,000 – $100,000Compounded daily, credited monthly. | 1.00% | — | Compounded daily, credited monthly. |
| $100,000 – $250,000Compounded daily, credited monthly. | 1.25% | — | Compounded daily, credited monthly. |
| $250,000 and upCompounded daily, credited monthly. | 1.50% | — | Compounded daily, credited monthly. |
Sources (2)
- xplorefcu.com/services-tools/tools/rates.html
- xplorefcu.com/_/kcms-doc/1740/…edule-of-Fees-Xplore.pdf
All captured Sep 18, 2026
IRA Regular Share
0.10%APY
Traditional and Roth IRA options available. $10 annual maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Compounded monthly / credited monthly. | 0.00% | — | Compounded monthly / credited monthly. |
| $200 – $10,000Compounded monthly / credited monthly. | 0.05% | — | Compounded monthly / credited monthly. |
| $10,000 – $250,000Compounded monthly / credited monthly. | 0.10% | $10 | Compounded monthly / credited monthly. |
| $250,000 and upCompounded monthly / credited monthly. | 0.15% | — | Compounded monthly / credited monthly. |
Christmas Club
0.05%APY
No monthly service fee. Funds automatically deposited to savings account on the first Friday of November. $15 penalty for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded monthly / credited monthly on full balance.Any balance | 0.05% | $5 | Compounded monthly / credited monthly on full balance. |
Club Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $200Compounded monthly / credited monthly. | 0.00% | — | Compounded monthly / credited monthly. |
| $200 and upCompounded monthly / credited monthly. | 0.05% | $5 | Compounded monthly / credited monthly. |
Sources (1)
- xplorefcu.com/services-tools/tools/rates.html · captured Sep 18, 2026
Who can join Xplore Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Jefferson, Orleans, or St. Tammany Parishes.
Membership information collected October 5, 2026.