Best Credit Union HYSAs
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Credit unions are not-for-profit member-owned cooperatives, which means deposit yields and loan rates often beat commercial banks. The federally insured equivalent of FDIC for credit unions is NCUA, which also covers up to $250,000 per member, per institution.
Some credit unions on this list have membership requirements (employer, geography, or association membership). All offer a path to membership for anyone willing to make a small one-time donation to a partner organization.
The ranking
- 01Alliant High-Rate SavingsNCUA · $5 min · $0.00/mo3.10%Updated 1d ago
Frequently asked
Is NCUA insurance the same as FDIC?
Functionally yes. The NCUA insures credit union member deposits up to $250,000 per member, per ownership category, the same as the FDIC does for bank depositors. Both are backed by the U.S. government.
Do I have to live in a specific area to join?
It depends on the credit union. Many of the largest federally chartered credit unions on this list have nationwide membership through partner associations.