Family Savings rates: up to 4.20% APY
credit union · NCUA CHARTER 68628 · www.familysavingscu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club Accounts | $1 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Share Accounts | $0.01 - $2,000* | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Share Accounts | $2,000.01 - $10,000* | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Share Accounts | $10,000.01 and above* | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Master Share | $2,000.01 - $10,000 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Master Share | $10,000.01 and up | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | NGAGE Saving - qualified* ** · $0.01 - $25,000 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | NGAGE Saving - non-qualifed* ** · $0.01 and up | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | NGAGE Saving - qualified* ** · $25,000.01 and up | 0.70% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Share Certificates / IRA Certificates | 180 Days | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificates / IRA Certificates | 12 Months | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificates / IRA Certificates | 18 Months | 3.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificates / IRA Certificates | 24 Months | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificates / IRA Certificates | 36 Months | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificates / IRA Certificates | 48 Months | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Certificates / IRA Certificates | 60 Months | 4.20% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $499.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $500.00 - $9,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000.00 - $24,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000.00 - $49,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000 and up | 2.75% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | NGAGE Spending - Qualified* · $0.01 - $25,000 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | NGAGE Spending - Non-qualified* · $0.01 and up | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | NGAGE Spending - Qualified* · $25,000 and up | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Draft/Checking Accounts | $10,000.01 and up | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.familysavingscu.com/rates | 2026-11-01 21:43 UTC | ok | 5daa5329e96c |
| www.familysavingscu.com/cd-ladder | — | stale-page | |
| www.familysavingscu.com/accounts/cd-special-rate | — | stale-page |