Highest APY first
Best credit union high-yield savings rates
Credit unions are member-owned and not-for-profit, so they routinely pay higher savings APYs than big banks. Compare the top high-yield savings rates below, then check whether you're eligible to join.
Top rate
4.10%
Median
4.00%
Credit unions
15
| # | Credit union | APY | Min | As of | |
|---|---|---|---|---|---|
| 1 | BOEING EMPLOYEES TUKWILA, WA | 4.10% | — | 7/3/2026 | View → |
| 2 | LAKE MICHIGAN Grand Rapids, MI | 4.10% | — | 7/3/2026 | View → |
| 3 | THE GOLDEN 1 SACRAMENTO, CA | 4.10% | — | 7/3/2026 | View → |
| 4 | MOUNTAIN AMERICA SANDY, UT | 4.05% | — | 7/3/2026 | View → |
| 5 | RANDOLPH-BROOKS UNIVERSAL CITY, TX | 4.05% | — | 7/3/2026 | View → |
| 6 | SCHOOLSFIRST SANTA ANA, CA | 4.05% | — | 7/3/2026 | View → |
| 7 | AMERICA FIRST RIVERDALE, UT | 4.00% | — | 7/3/2026 | View → |
| 8 | ENT Colorado Spring, CO | 4.00% | — | 7/3/2026 | View → |
| 9 | STATE EMPLOYEES' RALEIGH, NC | 4.00% | — | 7/3/2026 | View → |
| 10 | NAVY FEDERAL CREDIT UNION VIENNA, VA | 3.95% | — | 7/3/2026 | View → |
| 11 | FIRST TECHNOLOGY SAN JOSE, CA | 3.95% | — | 7/3/2026 | View → |
| 12 | ALLIANT CHICAGO, IL | 3.95% | — | 7/3/2026 | View → |
| 13 | PENTAGON MCLEAN, VA | 3.90% | — | 7/3/2026 | View → |
| 14 | IDAHO CENTRAL Chubbuck, ID | 3.90% | — | 7/3/2026 | View → |
| 15 | SUNCOAST TAMPA, FL | 3.90% | — | 7/3/2026 | View → |
Rates are self-reported by each credit union and may not reflect the latest offer or your eligibility. Confirm current terms on the credit union's page before applying.
Frequently asked questions
Do credit unions have higher savings rates than banks?
Often, yes. Because credit unions return profits to members instead of shareholders, they tend to offer higher deposit APYs and lower fees than traditional banks.
Is my money safe at a credit union?
Deposits at federally insured credit unions are protected up to $250,000 per account by the NCUA — the same coverage level as FDIC insurance at banks.