C-Plant Federal Credit Union Savings & Money Market Rates

How C-Plant Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Paducah, KY-IL, where C-Plant Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
C-Plant Federal Credit Union
0.25%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$25
Super Shares Account
Top rate
FNB Bank
3.42%APY
Requires
Another account
Minimum
$10,000
Earns on $10,000 a year
$342
FNB Bank rates
2nd-highest rate
U.S. Bank
2.00%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$200
U.S. Bank rates

Compare savings rates near you →

73

Savings score

Higher than 35% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0000.25%
$100,000 balance$100,0000.50%
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.

How the score works →

Where C-Plant Federal 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.

Super Shares Account

0.25%APYMoney market$1,000 to open

If balance falls below $1,000, the remaining balance earns the regular/Membership Savings rate. Up to six third-party withdrawals/transfers per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $25,000If balance falls below $1,000, the remaining balance is transferred to Membership Savings rate	0.25%	$25	If balance falls below $1,000, the remaining balance is transferred to Membership Savings rate
$25,000 – $50,000	0.30%	—
$50,000 – $75,000	0.35%	—
$75,000 – $100,000	0.50%	—
$100,000 – $250,000	0.50%	—
$250,000 and up	0.50%	—

Sources (2)

All captured Sep 19, 2026

Kasasa Saver

Up to 0.50%APYRequirements apply

Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Qualifications to earn top rate: at least 12 debit card purchases post and settle, enroll in and agree to receive e-statements, and enroll/log into online banking per monthly qualification cycle. Limit 1 account per SSN.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000When qualification criteria are met in linked checking account during monthly qualification cycle.	0.50%	$50	When qualification criteria are met in linked checking account during monthly qualification cycle.
Any balanceBase rate applied to all balances if qualification criteria are not met.	0.02%	$2	Base rate applied to all balances if qualification criteria are not met.
$10,000 and upWhen qualification criteria are met; earns 0.25% interest rate on portion of balance over $10,000 resulting in a range of 0.50% to 0.25% APY depending on balance.	0.25%	$25	When qualification criteria are met; earns 0.25% interest rate on portion of balance over $10,000 resulting in a range of 0.50% to 0.25% APY depending on balance.

Sources (3)

All captured Sep 19, 2026

Super Shares Account

0.25%APY$1,000 to open

Tiered rate savings account. If balance falls below $1,000, the remaining balance is transferred to the regular/Membership Savings rate. Six withdrawals or transfers to another institution or third party allowed per cycle.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $25,000If balance falls below $1,000, remaining balance earns Membership Savings rate.	0.25%	$25	If balance falls below $1,000, remaining balance earns Membership Savings rate.
$25,000 – $50,000	0.30%	—
$50,000 – $75,000	0.35%	—
$75,000 – $100,000	0.50%	—
$100,000 – $250,000	0.50%	—
$250,000 and up	0.50%	—

Sources (3)

All captured Sep 19, 2026

Membership Savings

0.10%APY$5 to open

Establishes membership with C-Plant Federal Credit Union. Inactive savings accounts will be closed 30 days after dropping below par value of $5. Maintain a $5 minimum balance to avoid a $5 inactive account fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends paid quarterly on balances of $5 or more. Maintain $5 minimum balance to avoid $5 inactive account fee.Any balance	0.10%	$10	Dividends paid quarterly on balances of $5 or more. Maintain $5 minimum balance to avoid $5 inactive account fee.

Sources (3)

All captured Sep 19, 2026

Special-purpose accounts

Health Savings Account (HSA)

0.25%APYHSA

Must be an adult under 65, covered under a high-deductible health plan (HDHP), and not enrolled in Medicare. Non-qualified withdrawals are included as taxable income and subject to a 10% penalty. No overdraft protection available.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends earned on entire balance. Non-qualified withdrawals subject to tax and 10% penalty. $30 fee per returned check or debit card overdraft.Any balance	0.25%	$25	Dividends earned on entire balance. Non-qualified withdrawals subject to tax and 10% penalty. $30 fee per returned check or debit card overdraft.

Sources (3)

All captured Sep 19, 2026

Individual Retirement Accounts (IRAs)

0.25%APYIRA$500 to open

Traditional and Roth IRA options. Annual contribution limit $5,000 (plus $1,000 catch-up for age 50+). A minimum charge of $10.00 or 1% of the amount withdrawn may be imposed if the account has been opened less than 12 months and is closed. Early withdrawals subject to 90-day dividend penalty and IRS penalties.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upApplies to IRA Savings. A minimum charge of $10.00 or 1% of withdrawal amount if account opened less than 12 months is closed. 90-day dividend penalty for early withdrawal.$5 and up	0.25%	$25	Applies to IRA Savings. A minimum charge of $10.00 or 1% of withdrawal amount if account opened less than 12 months is closed. 90-day dividend penalty for early withdrawal.

Sources (3)

All captured Sep 19, 2026

Youth Savings

0.25%APYKids and teens

Available to young savers up to 12 years old. Enroll in Kirby Kangaroo Club savings program. No minimum balance requirements.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends paid on entire balance. Available to young savers up to 12 years old.Any balance	0.25%	$25	Dividends paid on entire balance. Available to young savers up to 12 years old.

Sources (3)

All captured Sep 19, 2026

Christmas Club Account

0.20%APYClub

Funds are automatically distributed to members' regular savings accounts during the first week of October of each calendar year. No partial withdrawals allowed; if withdrawn before maturity, the account is closed and the account holder cannot participate again until October 1.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends paid quarterly on entire balance. Funds released in the first week of October. Early withdrawal causes account closure with participation restricted until October 1.Any balance	0.20%	$20	Dividends paid quarterly on entire balance. Funds released in the first week of October. Early withdrawal causes account closure with participation restricted until October 1.

Sources (3)

All captured Sep 19, 2026

Who can join C-Plant Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Anyone who lives, works, worships, volunteers, or goes to school in the Kentucky counties of Ballard, Caldwell, Crittenden, Graves, Hopkins, Livingston, McCracken, Muhlenberg, Todd, and Union is eligible for membership.

Other ways

Companies that are part of C-Plant's community charter qualify for business accounts and membership.

Cost to join

Joining requires opening a new Membership Savings account with as little as $5.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

How C-Plant Federal Credit Union’s savings rates compare

C-Plant Federal Credit Union savings score

Current savings rates

Super Shares Account

Kasasa Saver

Super Shares Account

Membership Savings

Special-purpose accounts

Health Savings Account (HSA)

Individual Retirement Accounts (IRAs)

Youth Savings

Christmas Club Account

Who can join C-Plant Federal Credit Union

Where you live or work

Other ways

Cost to join