Credit union · Privately insured
Blackhawk Area Credit Union Savings Rates
Blackhawk Area Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Checking Account. Rates checked October 16, 2026.
How Blackhawk Area Credit Union’s savings rates compare
Compared with banks and credit unions near Rochelle, IL, where Blackhawk Area Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Blackhawk Area Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Checking 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
Consumers Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Blackhawk Area Credit Union savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 Blackhawk Area 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 Checking Account
0.50%APY
Minimum balance is $2,500. No dividends are paid if the balance falls below a $2,500 balance. Works like an interest-bearing checking account with check writing.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $30,000No dividends are paid if the balance falls below a $2,500 balance. | 0.50% | $50 | No dividends are paid if the balance falls below a $2,500 balance. |
| $30,000 – $50,000 | 0.75% | — | |
| Over $50,000Over $50,000 | 1.00% | — | Over $50,000 |
Sources (1)
- bacu.org/about/rates · captured Sep 17, 2026
Regular Shares
0.05%APY
Dividends will be paid on a minimum balance of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends will be paid on a minimum balance of $25.00.$25 and up | 0.05% | $5 | Dividends will be paid on a minimum balance of $25.00. |
Special-purpose accounts
Christmas Club
0.05%APY
Dividends will be paid on a minimum balance of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends will be paid on a minimum balance of $25.00.$25 and up | 0.05% | $5 | Dividends will be paid on a minimum balance of $25.00. |
Scottie Savers Club
0.05%APY
For kids under the age of 13. Dividends will be paid on a $5.00 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends will be paid on a $5.00 minimum balance.$5 and up | 0.05% | $5 | Dividends will be paid on a $5.00 minimum balance. |
Under Eighteen Account
0.05%APY
Dividends will be paid on a $5.00 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends will be paid on a $5.00 minimum balance.$5 and up | 0.05% | $5 | Dividends will be paid on a $5.00 minimum balance. |
Sources (1)
- bacu.org/about/rates · captured Sep 17, 2026
Vacation Club
0.05%APY
Dividends will be paid on a minimum balance of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends will be paid on a minimum balance of $25.00.$25 and up | 0.05% | $5 | Dividends will be paid on a minimum balance of $25.00. |
Who can join Blackhawk Area 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 the Illinois counties of Carroll, JoDaviess, Lee, Ogle, Stephenson, and Whiteside.
Family and household
- Family members of current members are eligible for membership regardless of where they live, including spouses, parents, grandparents, children and legal dependents, brothers, sisters and their spouses, grandchildren, aunts, uncles, nieces, nephews, cousins, and sons- and daughters-in-law.
Cost to join
- A deposit of at least $25.00 ($5.00 for individuals under age 26) in a savings account is required and can be withdrawn upon closing membership.
- There is a $1.00 membership fee to join BACU.
Membership information collected October 5, 2026.