Credit union · NCUA insured
Central Soya Federal Credit Union Savings Rates
Central Soya Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Regular Share. Rates checked October 15, 2026.
How Central Soya Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Decatur, IN, where Central Soya Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Central Soya Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Regular Share
Top rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
F&M Bank
1.58%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $158
Central Soya Federal Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $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.
Where Central Soya 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.
Regular Share
0.50%APY
Dividends are compounded daily and paid quarterly. Rate declared quarterly by Board of Directors.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily and paid quarterly.Any balance | 0.50% | $50 | Dividends compounded daily and paid quarterly. |
Sources (1)
- centralsoyafcu.org/accounts/accounts/savings.html · captured Sep 18, 2026
Special-purpose accounts
2025-26 Christmas Club
2.02%APY
Enrollment open throughout the year. Last payment into the club is made at the end of September. Funds cannot be withdrawn until maturity; account can be closed early with a $15 penalty. Checks deposited into savings account after 10/1/26.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds cannot be drawn out until maturity; emergency early closure carries a $15 penalty. Checks deposited to savings account after 10/1/26.Any balance | 2.02% | $202 | Funds cannot be drawn out until maturity; emergency early closure carries a $15 penalty. Checks deposited to savings account after 10/1/26. |
Sources (1)
- centralsoyafcu.org/accounts/accounts/clubs.html · captured Sep 18, 2026
IRA Savings
0.35%APY
Must be an IRA account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be an IRA account.Any balance | 0.35% | $35 | Must be an IRA account. |
Sources (1)
- centralsoyafcu.org/accounts/accounts/iras.html · captured Sep 18, 2026
Who can join Central Soya Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Central Soya FCU are eligible for membership.
- Employees of Bunge North America (formerly Central Soya Co. Inc., and the McMillen Mills) who work in or have headquarters in Fort Wayne or Decatur, IN are eligible for membership.
- Employees of Premiere Agri Technologies, Inc., who work in or are paid from Fort Wayne or Decatur, IN are eligible for membership.
- Employees of Patrick R. Miller, P.C., who work in Decatur, IN are eligible for membership.
- Employees of Ruan Transportation who work in Decatur, IN are eligible for membership.
- Employees of Yoder Farms, Inc. who work in Monroe, IN are eligible for membership.
9 more ways to join
Employers and groups
- Employees of Bellmont Braves Football Booster Club who work in Decatur, IN are eligible for membership.
- Employees of Roehm Racing, LLC who work in, or are paid or supervised from Rockford, Ohio are eligible for membership.
- Members of Fairway Lakes Villa Association, Inc. in Decatur, IN who qualify for membership under its charter and bylaws in effect on October 14, 2003 are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
Military, government and schools
- Employees of Saint-Peter Immanuel Lutheran School who work in Decatur, IN are eligible for membership.
- Employees of City of Decatur who work in Decatur, IN are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) and household members living in the same residence maintaining a single economic unit are eligible for membership.
- Spouses of persons who died while within the field of membership of Central Soya FCU are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
Membership information collected October 5, 2026.