Credit Unions
Member-owned cooperatives insured by NCUA. Share rates often match or beat online banks; membership eligibility varies by geography or employer.
All Deposit Products at Credit Unions
Click a product to see the full rate range and suitability analysis at credit unions.
High-Yield Savings Account
4.50–5.10%
as of May 2026
Money Market Account
4.20–5.00%
as of May 2026
1-Year Certificate of Deposit
4.60–5.30%
as of May 2026
5-Year Certificate of Deposit
4.00–4.80%
as of May 2026
No-Penalty CD
4.30–4.90%
as of May 2026
Rewards Checking Account
3.00–6.00%
as of May 2026
Cash-Back Checking Account
0%
as of May 2026
IRA Certificate of Deposit
4.50–5.20%
as of May 2026
HSA Savings Account
0.50–3.00%
as of May 2026
Kids Savings Account
2.00–4.50%
as of May 2026
Business Savings Account
4.00–5.00%
as of May 2026
Brokerage Cash Sweep
0.01–4.50%
as of May 2026
About Credit Unions
Member-owned cooperatives insured by NCUA. Share rates often match or beat online banks; membership eligibility varies by geography or employer.
For deposit-rate purposes, the type of institution matters as much as the product type. Credit Unions have a distinct cost structure, competitive positioning, and regulatory history that shape the rates and features they offer across all deposit categories.
Compare this bank type against others: Big-Four Banks, Regional Banks, Online-Only Banks, Fintech Neobanks, Brokerage Banks