Credit union · NCUA insured
CFCCU Savings Rates
Top CarrotCFCCU’s best savings rate is 1.50% APY on $10,000, with its Super Money Market. Rates checked October 16, 2026.
How CFCCU’s savings rates compare
Compared with banks and credit unions near Waterloo, IA, where CFCCU has the most branches. $10,000, best rate first.
This credit union’s best
CFCCU
1.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $150
Super Money Market
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Collins Community Credit Union
3.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $305
CFCCU savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.50%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0003.20%
- QualifiedQualified1.50%
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 CFCCU 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 Money Market
1.50%APY
Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. $1,000 minimum balance required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. | 1.50% | $150 | Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. |
| $25,000 – $50,000Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. | 3.00% | — | Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. |
| $50,000 – $100,000Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. | 3.10% | — | Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. |
| $100,000 – $250,000Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. | 3.20% | — | Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. |
| $250,000 – $500,000Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. | 3.30% | — | Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. |
| $500,000 – $1,000,000Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. | 3.40% | — | Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. |
| $1,000,000 and upDividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. | 3.50% | — | Dividends are compounded monthly. Withdraw of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates. |
Sources (1)
- cfccu.org/deposit-rates · captured Sep 24, 2026
DID Account
0.25%APY
Daily interest deposit share savings account. Dividends are compounded monthly. Withdrawal of earnings could reduce APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividend is $50. Dividends compounded monthly.$50 and up | 0.25% | $25 | Minimum balance to earn dividend is $50. Dividends compounded monthly. |
Sources (1)
- cfccu.org/deposit-rates · captured Oct 5, 2026
Share Plus
0.25%APY
Dividends are compounded monthly. Withdrawal of earnings could reduce APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum balance to earn dividend is $50. Dividends compounded monthly.$50 and up | 0.25% | $25 | Minimum balance to earn dividend is $50. Dividends compounded monthly. |
Sources (1)
- cfccu.org/deposit-rates · captured Oct 5, 2026
Secondary Savings
0.20%APY
Dividends are compounded quarterly. Withdrawal of earnings could reduce APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividend is $100. Dividends compounded quarterly.$100 and up | 0.20% | $20 | Minimum balance to earn dividend is $100. Dividends compounded quarterly. |
Sources (1)
- cfccu.org/deposit-rates · captured Oct 5, 2026
Share Savings
0.10%APY
Becoming a member-owner requires opening a Primary Shares Savings Account with as little as $5. Dividends are compounded quarterly. Withdrawal of earnings could reduce APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividend is $100. Dividends compounded quarterly.$100 and up | 0.10% | $10 | Minimum balance to earn dividend is $100. Dividends compounded quarterly. |
Special-purpose accounts
Health Savings Account (HSA)
0.40%APY
Designed for individuals with high-deductible health plans. No minimum balance to maintain account, but requires a $100 balance to earn dividends. Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo minimum balance to maintain the account. Minimum balance to earn dividends is $100.00. Dividends compounded quarterly.$100 and up | 0.40% | $40 | No minimum balance to maintain the account. Minimum balance to earn dividends is $100.00. Dividends compounded quarterly. |
Education IRA shares
0.25%APY
Dividends are compounded quarterly. Withdrawal of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.25% | $25 |
Sources (1)
- cfccu.org/deposit-rates · captured Oct 5, 2026
IRA shares
0.25%APY
Dividends are compounded quarterly. Withdrawal of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.25% | $25 |
Sources (1)
- cfccu.org/deposit-rates · captured Oct 5, 2026
Roth IRA shares
0.25%APY
Dividends are compounded quarterly. Withdrawal of earnings could reduce APY. Public funds and financial institutions are not eligible for these rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividend is $100. Dividends compounded quarterly.$100 and up | 0.25% | $25 | Minimum balance to earn dividend is $100. Dividends compounded quarterly. |
Christmas Club
0.20%APY
Dividends are compounded quarterly. Withdrawal of earnings could reduce APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividend is $5. Dividends compounded quarterly.$5 and up | 0.20% | $20 | Minimum balance to earn dividend is $5. Dividends compounded quarterly. |
Sources (1)
- cfccu.org/deposit-rates · captured Oct 5, 2026
Vacation Club
0.20%APY
Dividends are compounded quarterly. Withdrawal of earnings could reduce APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividend is $5. Dividends compounded quarterly.$5 and up | 0.20% | $20 | Minimum balance to earn dividend is $5. Dividends compounded quarterly. |
Sources (1)
- cfccu.org/deposit-rates · captured Oct 5, 2026
Youth Account
0.20%APY
Designed for young savers. Dividends are compounded quarterly. Withdrawal of earnings could reduce APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividend is $5. Dividends compounded quarterly.$5 and up | 0.20% | $20 | Minimum balance to earn dividend is $5. Dividends compounded quarterly. |
Who can join CFCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to individuals who live or work in 20 Iowa counties (Allamakee, Benton, Black Hawk, Bremer, Buchanan, Butler, Chickasaw, Clayton, Delaware, Grundy, Fayette, Floyd, Franklin, Hardin, Howard, Linn, Marshall, Mitchell, Tama, and Winneshiek).
Family and household
- Open to individuals who have an immediate family member who is a member of the Credit Union.
Cost to join
- A deposit of $5 into a savings account is required upon opening membership.
Membership information collected October 4, 2026.