Credit union · NCUA insured
Advantage Credit Union Savings Rates
Top CarrotAdvantage Credit Union’s best savings rate is 1.51% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Advantage Credit Union’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Advantage Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advantage Credit Union
1.51%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $151
Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Advantage Credit Union savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.51%
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 Advantage 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 Account
1.51%APY
Rates and APY are determined by which of four average daily balance tiers the account falls in; once a balance range is met, that rate applies to the full balance. Up to 6 withdrawals per month ($500.00 minimum withdrawal amount; $5.00 fee per excess transaction). Overdraft fee is $27 per occurrence. Compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $24,999Applies to full balance for average daily balance tier $5,000–$24,999. Minimum opening deposit is $5,000.00. | 1.51% | $151 | Applies to full balance for average daily balance tier $5,000–$24,999. Minimum opening deposit is $5,000.00. |
| $25,000 – $49,999Applies to full balance for average daily balance tier $25,000–$49,999. Minimum opening deposit is $5,000.00. | 1.76% | — | Applies to full balance for average daily balance tier $25,000–$49,999. Minimum opening deposit is $5,000.00. |
| $50,000 – $99,999Applies to full balance for average daily balance tier $50,000–$99,999. Minimum opening deposit is $5,000.00. | 2.02% | — | Applies to full balance for average daily balance tier $50,000–$99,999. Minimum opening deposit is $5,000.00. |
| $100,000 and upApplies to full balance for average daily balance tier $100,000+. Minimum opening deposit is $5,000.00. | 2.27% | — | Applies to full balance for average daily balance tier $100,000+. Minimum opening deposit is $5,000.00. |
Sources (3)
All captured Oct 5, 2026
Life Happens Savings
0.30%APY
Not available for business, organizational, trust or estate accounts. Credit Union membership required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Tier 1: Applies to the first $2,000. Minimum balance to earn interest is $1.00. | 1.00% | — | Tier 1: Applies to the first $2,000. Minimum balance to earn interest is $1.00. |
| $2,001 and upTier 2: Applies to balances $2,001 and above. | 0.30% | $30 | Tier 2: Applies to balances $2,001 and above. |
Golden Share Account
0.30%APY
Credit Union membership required. Interest calculated daily and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to earn interest is $1.00. Minimum daily balance is $0.$1 and up | 0.30% | $30 | Minimum balance to earn interest is $1.00. Minimum daily balance is $0. |
Prime Share Account
0.15%APY
Credit Union membership required with a minimum balance of $25 in Prime Shares. $10 fee if closed within first 6 months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRequires minimum daily balance of $25. Interest calculated daily and paid monthly.$25 and up | 0.15% | $15 | Requires minimum daily balance of $25. Interest calculated daily and paid monthly. |
Special-purpose accounts
Health Savings Account
1.01%APY
Requires qualifying high-deductible health plan. Credit Union membership required with $25 in Prime Shares. No annual fee. Minimum monthly balance to maintain account is $5.00. Once a balance tier is met, that rate applies to the full balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $4,999Tier 1 balance range. Rate applies to full balance once tier is met. Minimum balance to earn APY is $100. | 0.80% | — | Tier 1 balance range. Rate applies to full balance once tier is met. Minimum balance to earn APY is $100. |
| $5,000 – $14,999Tier 2 balance range. Rate applies to full balance once tier is met. | 1.01% | $101 | Tier 2 balance range. Rate applies to full balance once tier is met. |
| $15,000 and upTier 3 balance range. Rate applies to full balance once tier is met. | 1.51% | — | Tier 3 balance range. Rate applies to full balance once tier is met. |
Sources (3)
All captured Sep 18, 2026
Coverdell Education Account
0.75%APY
Credit Union membership required. Early withdrawal penalties apply for non-qualified withdrawals. Annual contribution limits apply based on MAGI.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn stated APY is $100. Interest compounded and credited monthly.$100 and up | 0.75% | $75 | Minimum balance to earn stated APY is $100. Interest compounded and credited monthly. |
Sources (3)
All captured Sep 18, 2026
Christmas Club Account
0.30%APY
Deposits may be made up to October 31; entire balance paid out in early November. Credit Union membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to earn interest is $1.00. Shared table schedule applies.$1 and up | 0.30% | $30 | Minimum balance to earn interest is $1.00. Shared table schedule applies. |
Vacation Club Account
0.30%APY
Deposits may be made up to April 30; entire balance paid out in May. Credit Union membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to earn stated APY is $1.00.$1 and up | 0.30% | $30 | Minimum balance to earn stated APY is $1.00. |
Who can join Advantage 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 Jasper County or 18 other counties in Central Iowa (19 Iowa counties total).
Membership information collected October 4, 2026.