Credit union · NCUA insured
Central Credit Union of Illinois Savings Rates
Central Credit Union of Illinois’s best savings rate is 0.15% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Central Credit Union of Illinois’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Central Credit Union of Illinois has the most branches. $10,000, best rate first.
This credit union’s best
Central Credit Union of Illinois
0.05%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $5
Kasasa Saver
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
Central Credit Union of Illinois savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified2.00%
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 Central Credit Union of Illinois 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.
Kasasa Saver
2.00%APY on $10,000
No monthly maintenance fee. No minimum deposit to open. Only available with free Kasasa Cash or Kasasa Cash Back checking. Limit of one Kasasa Saver Account per taxpayer identification number.
| Part of the balance | Rate on that part |
|---|---|
| Up to $100,000 | 1.98% |
| Over $100,000 | 0.50% |
On $10,000 the tiers blend to about 2.00% APY, earning $200 a year.
Sources (2)
All captured Sep 17, 2026
Money Market Account
0.15%APY
Must maintain a $1,000 minimum daily balance to earn the stated APY. $1,000 minimum balance required to waive the $5 monthly service fee. Dividends compounded daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMust maintain a $1,000 minimum daily balance to earn the stated APY. $1,000 minimum balance required to waive the $5 monthly service fee. Dividends are compounded daily and credited monthly. Six withdrawals or transfers per statement period (minimum $500 each).$1,000 and up | 0.15% | $15 | Must maintain a $1,000 minimum daily balance to earn the stated APY. $1,000 minimum balance required to waive the $5 monthly service fee. Dividends are compounded daily and credited monthly. Six withdrawals or transfers per statement period (minimum $500 each). |
Sources (3)
- centralcu.org/learn/rates.html
- centralcu.org/spend-save/savings/money-market-accounts
- centralcu.org/spend-save/savin…oney-market-account.html
All captured Oct 6, 2026
Special-purpose accounts
Investor's Choice Account
2.25%APY
$25,000 minimum balance required to waive the $5 monthly service fee. Dividends compounded and paid monthly. Six withdrawals or transfers per statement period (minimum $500 each). Option to open as a Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$25,000 minimum balance required to waive the $5 monthly service fee. Dividends compounded and paid monthly. Six withdrawals or transfers per statement period (minimum $500 each).Any balance | 2.25% | $225 | $25,000 minimum balance required to waive the $5 monthly service fee. Dividends compounded and paid monthly. Six withdrawals or transfers per statement period (minimum $500 each). |
Sources (3)
- centralcu.org/learn/rates.html
- centralcu.org/spend-save/savings/money-market-accounts
- centralcu.org/spend-save/savin…tors-choice-account.html
All captured Oct 6, 2026
Investor's Choice IRA Account
2.25%APY
Dividends compounded and paid monthly. Option to open as Traditional or Roth IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.25% | $225 |
Sources (1)
- centralcu.org/learn/rates.html · captured Oct 6, 2026
Smart-Saver Money Market
2.25%APY
$10,000 minimum balance required to waive the $5 monthly service fee. Dividends compounded and paid monthly. Six withdrawals or transfers per statement period (minimum $500 each). Option to open as a Traditional or Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$10,000 minimum balance required to waive the $5 monthly service fee. Dividends compounded and paid monthly. Six withdrawals or transfers per statement period (minimum $500 each).Any balance | 2.25% | $225 | $10,000 minimum balance required to waive the $5 monthly service fee. Dividends compounded and paid monthly. Six withdrawals or transfers per statement period (minimum $500 each). |
Sources (3)
- centralcu.org/learn/rates.html
- centralcu.org/spend-save/savings/money-market-accounts
- centralcu.org/spend-save/savin…oney-market-account.html
All captured Oct 6, 2026
Smart-Saver Money Market IRA
2.25%APY
Dividends compounded and paid monthly. Option to open as Traditional or Roth IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.25% | $225 |
Sources (1)
- centralcu.org/learn/rates.html · captured Oct 6, 2026
Market Rate IRA
0.15%APY
Dividends on this account are compounded daily.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends on this account are compounded daily.Any balance | 0.15% | $15 | Dividends on this account are compounded daily. |
Sources (1)
- centralcu.org/learn/rates.html · captured Oct 16, 2026
My Club Holiday
0.05%APY
Dividend rates and annual percentage yields may change monthly as determined by the Credit Union Board of Directors. Fee of $10 per withdrawal/transfer for each one in excess of one per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rates and annual percentage yields may change monthly. Excess withdrawal fee of $10 per withdrawal/transfer for each one in excess of one per month.Any balance | 0.05% | $5 | Dividend rates and annual percentage yields may change monthly. Excess withdrawal fee of $10 per withdrawal/transfer for each one in excess of one per month. |
Sources (3)
- centralcu.org/learn/rates.html
- centralcu.org/spend-save/savings
- centralcu.org/borrow/home-equity-loans.html
All captured Sep 17, 2026
My Club My Way
0.05%APY
Dividend rates and annual percentage yields may change monthly as determined by the Credit Union Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rates and annual percentage yields may change monthly.Any balance | 0.05% | $5 | Dividend rates and annual percentage yields may change monthly. |
Sources (3)
- centralcu.org/learn/rates.html
- centralcu.org/spend-save/savings
- centralcu.org/borrow/home-equity-loans.html
All captured Sep 17, 2026
Share Savings Account
0.05%APY
Must maintain a $5 minimum daily balance to keep this account open and earn the stated APY. Must maintain a $200 minimum daily balance in your account to avoid a service fee unless you are under 18 or you maintain a Kasasa Saver account, credit union certificate, money market account, $200 or more in a qualifying account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a $5 minimum daily balance to keep this account open and to earn the stated APY. Must maintain a $200 minimum daily balance in your account to avoid a service fee.$5 and up | 0.05% | $5 | Must maintain a $5 minimum daily balance to keep this account open and to earn the stated APY. Must maintain a $200 minimum daily balance in your account to avoid a service fee. |
Who can join Central Credit Union of Illinois
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in the state of Illinois are eligible for membership.
Employers and groups
- Employees who work for one of more than 250 affiliated companies or organizations are eligible for membership.
Family and household
- Family members of an existing member are eligible for membership.
Cost to join
- Members must maintain a minimum balance of at least $5 in a Share Account to establish and retain membership.
Membership information collected October 5, 2026.