Credit union · Privately insured
Access Credit Union Savings Rates
Access Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Access Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Access Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Access Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
Access Credit Union savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.01%
- QualifiedQualified0.50%
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 Access Credit Union 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.
Money Market
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $20,000 | 0.50% | $50 |
| $20,000 – $50,000 | 0.75% | — |
| $50,000 and up | 1.01% | — |
Sources (1)
- access-cu.com/deposits/deposit-account-rates · captured Sep 17, 2026
Regular Savings
0.05%APY
With a $5 opening deposit, you become a member and gain access to all products and services. Below minimum balance fee of $10 applies if combined savings or loan balances are below $100 (new members have 90 days to attain the threshold).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and paid monthly.Any balance | 0.05% | $5 | Dividends are compounded and paid monthly. |
Sources (2)
All captured Sep 17, 2026
Secondary Savings
0.05%APY
Earns the same dividend as regular savings account. Used for vacation, home improvements, weddings, property taxes, insurance, or other special expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Holiday Savings
0.10%APY
On November 1st, holiday club savings are transferred to regular savings account. Withdrawals restricted during the rest of the year (early withdrawals before November 1st subject to a small fee).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 17, 2026
IRA Savings
0.05%APY
Available as Traditional or Roth IRA share account. No annual fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance on an IRA share account.$100 and up | 0.05% | $5 | $100 minimum balance on an IRA share account. |
Sources (2)
All captured Sep 17, 2026
Who can join Access Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in the geographic area bordered by Lake Michigan on the East, California Ave on the West, Garfield Ave/55th Street on the South, and Harrison Street on the North.
- Membership is open to individuals who live or work in any of the 22 designated Illinois communities.
Employers and groups
- Membership is open to anyone employed by one of the listed Partner Companies or Organizations.
Family and household
- Membership is open to members of the immediate family or household of a current Access Credit Union member.
Membership information collected October 5, 2026.