Credit union · NCUA insured
Alltru Credit Union Savings Rates
Alltru Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Alltru Credit Union’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Alltru Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alltru Credit Union
2.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $200
High Yield Online Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Earns on $10,000 a year
- $450
Alltru Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.15%
- QualifiedQualified2.00%
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 Alltru 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.
RollUp Savings
0.10%APY
Consent to receive periodic statements electronically and elect automatic transfer from an Alltru checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Applies to the first $250. | 5.01% | — | Applies to the first $250. |
| $250 and upApplies to balances over $250. | 0.10% | $10 | Applies to balances over $250. |
High Yield Online Savings
2.00%APY
Requires an open, active checking account with at least 1 ACH deposit or withdrawal per month, consent to receive periodic statements electronically, and all transactions conducted online. Only one account per social security number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Applies to daily balances between $0-$25,000 if qualifications are met. | 2.00% | $200 | Applies to daily balances between $0-$25,000 if qualifications are met. |
| $25,000 and upBalances greater than $25,000 receive the primary savings account APY. | 0.05% | — | Balances greater than $25,000 receive the primary savings account APY. |
Sources (3)
- alltrucu.org/rates
- alltrucu.org/savings/personal-savings
- alltrucu.org/savings/personal-…igh-yield-online-savings
All captured Oct 5, 2026
Money Market
0.05%APY
Start with a balance of $250 and maintain that balance each day to obtain the disclosed APY and to avoid a $10 monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMust maintain at least $250 in account each day to obtain disclosed APY and avoid $10 monthly fee. | 0.05% | $5 | Must maintain at least $250 in account each day to obtain disclosed APY and avoid $10 monthly fee. |
| $50,000 and upMust maintain at least $250 in account each day to obtain disclosed APY and avoid $10 monthly fee. | 0.10% | — | Must maintain at least $250 in account each day to obtain disclosed APY and avoid $10 monthly fee. |
| $100,000 and upMust maintain at least $250 in account each day to obtain disclosed APY and avoid $10 monthly fee. | 0.15% | — | Must maintain at least $250 in account each day to obtain disclosed APY and avoid $10 monthly fee. |
Sources (3)
- alltrucu.org/rates
- alltrucu.org/savings/personal-savings
- alltrucu.org/savings/personal-savings/money-market
All captured Oct 5, 2026
Primary Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
Cubby Youth Savings
0.05%APY
For kids aged 7 and under. Parents or legal guardians must open the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Applies to the first $250. | 5.01% | — | Applies to the first $250. |
| $250 and upApplies to balances over $250. | 0.05% | $5 | Applies to balances over $250. |
IRA Savings Account
1.00%APY
Available as Traditional or Roth IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Health Savings Account (HSA)
0.10%APY
Must be covered by a High Deductible Health Plan (HDHP), not covered by another non-qualified insurance plan, not enrolled in Medicare, and not claimed as a dependent.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
TruSpend Savings
0.05%APY
For youth aged 8 to 17 with a joint adult owner (usually parent or guardian). Converts automatically to adult primary savings at age 18.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- alltrucu.org/rates
- alltrucu.org/savings/personal-savings
- alltrucu.org/savings/personal-…ds-teen-truspend-savings
All captured Oct 5, 2026
Who can join Alltru Credit Union
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