Credit union · NCUA insured
Advantage One Credit Union Savings Rates
Top CarrotAdvantage One Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Advantage One Credit Union’s savings rates compare
Compared with banks and credit unions near Sterling, IL, where Advantage One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Advantage One Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Money Market Account
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Advantage One Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 One 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
0.15%APY
No fee for being below the minimum balance. No monthly service fee. Minimum average daily balance of $2,500 to earn dividends. Up to three withdrawals allowed monthly without charge (minimum withdrawal of $250.00). Dividends compounded daily, paid monthly to the account. Federally insured up to $250,000 by the NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum average daily balance of $2,500 to earn dividends. Paid monthly.$2,500 and up | 0.15% | $15 | Minimum average daily balance of $2,500 to earn dividends. Paid monthly. |
Sources (3)
All captured Sep 17, 2026
Share Account
0.10%APY
Low minimum balance of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid monthly.$25 and up | 0.10% | $10 | Dividends paid monthly. |
Sources (3)
All captured Sep 17, 2026
Special-purpose accounts
Christmas Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid annually (November 1st).Any balance | 0.15% | $15 | Dividends paid annually (November 1st). |
Sources (3)
All captured Sep 17, 2026
IRA Savings
0.15%APY
Includes Traditional, Roth (Conversion and Contributory), Coverdell and SEP accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.15% | $15 | Dividends paid monthly. |
Sources (3)
All captured Sep 17, 2026
Vacation Club Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid annually (April 1st & June 1st).Any balance | 0.15% | $15 | Dividends paid annually (April 1st & June 1st). |
Sources (3)
All captured Sep 17, 2026
Who can join Advantage One 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 resides, works, worships, or attends school in Bureau, Carroll, Henry, Lee, Ogle, Rock Island, or Whiteside County, IL, or within a 35-mile radius of the main branch in Morrison, IL.
Cost to join
- Joining requires depositing $25 or more into a new share account (savings account).
Membership information collected October 5, 2026.