Credit union · NCUA insured
Altonized Community FCU Savings Rates
Altonized Community FCU’s best savings rate is 0.10% APY on $10,000, with its Personal Savings. Rates checked October 16, 2026.
How Altonized Community FCU’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Altonized Community FCU has the most branches. $10,000, best rate first.
This credit union’s best
Altonized Community FCU
0.10%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $10
Personal Savings
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Altonized Community FCU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Altonized Community FCU 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.
Personal Savings
0.10%APY
Must maintain a balance of $25.00 at all times. Dividends are paid quarterly on accounts with balances over $100.00. Any new account that is closed within 3 months of being opened will forfeit 1 share ($25.00 that opened the account).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies on balances of $100 or more.$100 and up | 0.10% | $10 | Rate applies on balances of $100 or more. |
Special-purpose accounts
Christmas Club Account
0.10%APY
The Christmas Club season runs from October 1 until September 30 of the following year. Deposit funds of any amount throughout the time frame; check issued for the balance in October. Withdrawing funds during the season closes out the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies on balances of $100 or more.$100 and up | 0.10% | $10 | Rate applies on balances of $100 or more. |
Vacation Club Account
0.10%APY
Allows members to set money aside from their savings account to be withdrawn when needed. Earns quarterly dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate applies on balances of $100 or more.$100 and up | 0.10% | $10 | Rate applies on balances of $100 or more. |
Who can join Altonized Community FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living, working, worshipping or attending school in Madison and Macoupin County is eligible for membership.
Employers and groups
- Any business or legal entity in Madison and Macoupin County is eligible for membership.
- Anyone who volunteers in Madison and Macoupin County is eligible for membership.
Family and household
- Immediate family and household of current members are eligible for membership.
- Any organization of family and household is eligible for membership.
Membership information collected October 5, 2026.