Credit union · NCUA insured
Area Educational Credit Union Savings Rates
Top CarrotArea Educational Credit Union’s best savings rate is 2.27% APY on $10,000, with its Shares. Rates checked October 16, 2026.
How Area Educational Credit Union’s savings rates compare
Compared with banks and credit unions near Charleston, IL, where Area Educational Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Area Educational Credit Union
2.27%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $227
Shares
Top rate
First Farmers Bank & Trust
2.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $270
3rd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Area Educational Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.27%
- $10,000 balance$10,0002.27%
- $100,000 balance$100,0002.27%
- QualifiedQualified2.27%
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 Area Educational 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.
Shares
2.27%APY
Minimum balance $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividend rate for quarter ending Dec. 31, 2026.$5 and up | 2.27% | $227 | Dividend rate for quarter ending Dec. 31, 2026. |
Sources (1)
- myaecu.com/Savings · captured Oct 6, 2026
Special-purpose accounts
Coverdell Education Accounts
2.52%APY
Formerly Educational IRA. May contribute up to $2,000 per child in 2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate for quarter ending Dec. 31, 2026. May contribute up to $2,000 per child in 2026.Any balance | 2.52% | $252 | Dividend rate for quarter ending Dec. 31, 2026. May contribute up to $2,000 per child in 2026. |
Sources (1)
- myaecu.com/Savings · captured Oct 6, 2026
IRA
2.52%APY
Available as Traditional IRA or Roth IRA. May contribute up to $7,500 in 2026. Traditional IRA contributions may be tax-deductible.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate for quarter ending Dec. 31, 2026. Maximum contribution of $7,500 in 2026.Any balance | 2.52% | $252 | Dividend rate for quarter ending Dec. 31, 2026. Maximum contribution of $7,500 in 2026. |
Sources (1)
- myaecu.com/Savings · captured Oct 6, 2026
Christmas Club
2.27%APY
You may deposit/withdraw at any time of year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate for quarter ending Dec. 31, 2026. Deposit or withdraw at any time of year.Any balance | 2.27% | $227 | Dividend rate for quarter ending Dec. 31, 2026. Deposit or withdraw at any time of year. |
Sources (1)
- myaecu.com/Savings · captured Oct 6, 2026
Who can join Area Educational Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.