Credit union · NCUA insured
Cardinal Credit Union Savings Rates
Cardinal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Cardinal Credit Union’s savings rates compare
Compared with banks and credit unions near Cleveland, OH, where Cardinal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cardinal Credit Union
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Savings Account
Top rate
Century Federal Credit Union
5.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $500
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
Cardinal Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- 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 Cardinal 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.
Ohio Homebuyer Plus Savings Program
7.26%APY
Must be an Ohio resident age 18 or older. Funds must be used for a primary residence in Ohio for down payment and/or closing costs. Can remain open up to 5 years (must keep at least $500). Max contributions $100,000. Cardinal Credit Union membership required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Must be an Ohio resident age 18 or older. $500 minimum opening deposit. Max account balance $100,000 across tiers. Variable rate savings account. | 7.26% | $726 | Must be an Ohio resident age 18 or older. $500 minimum opening deposit. Max account balance $100,000 across tiers. Variable rate savings account. |
| $10,001 – $50,000Must be an Ohio resident age 18 or older. $500 minimum opening deposit. Variable rate savings account. | 5.26% | — | Must be an Ohio resident age 18 or older. $500 minimum opening deposit. Variable rate savings account. |
| $50,001 – $100,000Must be an Ohio resident age 18 or older. $500 minimum opening deposit. Variable rate savings account. Max deposit $100,000. | 3.26% | — | Must be an Ohio resident age 18 or older. $500 minimum opening deposit. Variable rate savings account. Max deposit $100,000. |
Sources (1)
- cardinalcu.com/homebuyers-plus · captured Sep 18, 2026
Platinum Money Market Savings Account
1.50%APY
Members must have an active Cardinal Checking Account with a minimum of $500 direct deposits each month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upMinimum $50,000 account balance and an active Cardinal Checking Account with a minimum of $500 direct deposits each month to earn stated rate/APY.$50,000 and up | 1.50% | — | Minimum $50,000 account balance and an active Cardinal Checking Account with a minimum of $500 direct deposits each month to earn stated rate/APY. |
Sources (2)
All captured Sep 18, 2026
Jumbo Money Market Savings Account
0.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 and upMinimum $25,000 account balance to earn stated rate/APY.$25,000 and up | 0.75% | — | Minimum $25,000 account balance to earn stated rate/APY. |
Sources (2)
All captured Sep 18, 2026
Money Market Savings Account
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upMinimum $5,000 account balance to earn stated rate/APY.$5,000 and up | 0.50% | $50 | Minimum $5,000 account balance to earn stated rate/APY. |
Sources (2)
All captured Sep 18, 2026
Savings (Share) Account
0.05%APY
Dividends paid monthly. Every member is required to open a Savings Account and maintain a $5.00 minimum balance to remain an active member. $100 minimum average daily balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends; $5.00 minimum balance to maintain membership.$100 and up | 0.05% | $5 | $100 minimum balance to earn dividends; $5.00 minimum balance to maintain membership. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Savings Account (IRA)
0.20%APY
Traditional IRA, Roth IRA, Educational IRA wrappers available. $100 minimum deposit on IRA Savings. Periodic payments may only be made from an IRA Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$100 minimum deposit on IRA Savings.Any balance | 0.20% | $20 | $100 minimum deposit on IRA Savings. |
Sources (2)
All captured Sep 18, 2026
Holiday Club Account
0.05%APY
Open with as little as $5.00. Funds are deposited into savings or checking account on November 1st and account remains open for next year. $100 minimum balance to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends; can open with as little as $5.00. Funds deposited November 1st.$100 and up | 0.05% | $5 | $100 minimum balance to earn dividends; can open with as little as $5.00. Funds deposited November 1st. |
Sources (2)
All captured Sep 18, 2026
Who can join Cardinal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.