Credit union · NCUA insured
ZIA CU Savings Rates
ZIA CU’s best savings rate is 0.10% APY on $10,000, with its Share Savings. Rates checked October 22, 2026.
How ZIA CU’s savings rates compare
Compared with banks and credit unions near Santa Fe, NM, where ZIA CU has the most branches. $10,000, best rate first.
This credit union’s best
ZIA CU
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
Kasasa Saver
Top rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
ZIA CU savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified3.00%
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 ZIA 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.
Kasasa Saver
Up to 3.00%APY
Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings. To earn the highest Kasasa Saver rate, qualifications on linked Kasasa Cash or Kasasa Cash Back account must be met during each Monthly Qualification Cycle (at least one direct deposit, ACH payment, ACH credit, or bill pay transaction; at least 12 debit card purchases; enrolled in and agree to receive e-Statements; enrolled in and log into online or mobile banking). If qualifications are not met, all balances earn 0.05% APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Requires meeting Kasasa Cash or Kasasa Cash Back monthly qualification requirements. | 3.00% | $300 | Requires meeting Kasasa Cash or Kasasa Cash Back monthly qualification requirements. |
| Any balanceBase rate applied to all balances when Kasasa Cash or Kasasa Cash Back monthly qualifications are not met. | 0.05% | $5 | Base rate applied to all balances when Kasasa Cash or Kasasa Cash Back monthly qualifications are not met. |
| Over $100,000Earns 0.15% dividend rate on the portion of balance over $100,000.01 when qualifications are met, resulting in a range from 3.00% to 0.15% APY depending on balance. | 0.15% | — | Earns 0.15% dividend rate on the portion of balance over $100,000.01 when qualifications are met, resulting in a range from 3.00% to 0.15% APY depending on balance. |
Share Savings
0.10%APY
Serves as share of ownership in Zia Credit Union. $25 minimum balance required to maintain credit union membership. Dividends are earned on the average daily balance for the month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,999 | 0.05% | — |
| $1,999 – $3,999 | 0.05% | — |
| $3,999 – $39,999 | 0.10% | $10 |
| Over $39,999 | 0.15% | — |
Special-purpose accounts
Christmas Club
0.15%APY
Save specifically for the holidays. Funds disbursed by November 15. $5 penalty for early withdrawal. Direct deposit available. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,999 | 0.10% | — |
| $1,999 – $3,999 | 0.10% | — |
| $3,999 – $39,999 | 0.15% | $15 |
| Over $39,999 | 0.15% | — |
Zia Kids' Club
0.10%APY
Available to ZKids (ages 0-12). Replaced Kirby Kangaroo as of April 1, 2026.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,999 | 0.05% | — |
| $1,999 – $3,999 | 0.05% | — |
| $3,999 – $39,999 | 0.10% | $10 |
| Over $39,999 | 0.15% | — |
Who can join ZIA CU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who makes a one-time donation of at least $10.00 to the Zia Credit Union Education Foundation is eligible for membership.
Where you live or work
- Individuals who live, work, or worship in Bernalillo, Doña Ana, Los Alamos, Mora, Rio Arriba, San Miguel, Sandoval, Santa Fe, Sierra, Socorro, Taos, Torrance, or Valencia counties are eligible for membership.
- Individuals who live, work, or worship in a primarily rural and/or underserved area of New Mexico are eligible for membership.
Family and household
- Individuals related to a current ZIA CU member are eligible for membership.
Other ways
- Former members of ZIA CU are eligible to rejoin.
Cost to join
- Membership requires opening a Share Savings Account with a minimum balance of $25.
Membership information collected October 4, 2026.