Chiphone Federal Credit Union Savings & Money Market Rates

How Chiphone Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Elkhart, IN, where Chiphone Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Chiphone Federal Credit Union
0.15%APY
Requires
None
Minimum
$500
Earns on $10,000 a year
$15
Money Market
Top rate
Interra Credit Union
4.03%APY
Requires
Another account
Minimum
$10,000
Earns on $10,000 a year
$403
Interra Credit Union rates
2nd-highest rate
Northwest Bank
4.00%APY
Requires
None
Minimum
$1
Earns on $10,000 a year
$400
Northwest Bank rates

Compare savings rates near you →

68

Savings score

Higher than 20% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.15%
$100,000 balance$100,0001.26%
QualifiedQualified0.15%

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 Chiphone 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.

Money Market

Up to 0.15%APY$500 to open

Tiered interest-bearing account. Dividends compounded daily and credited monthly. Account transfer and withdrawal limitations apply (no more than 6 transfers/withdrawals per month under Reg D; $5.00 fee per transfer exceeding 6). Three checks can be written free per month ($1.00 per check after three). Membership requires purchasing and maintaining 1 share ($5.00 par value). Disclosures refer to account as Money Market Draft.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.05%	$5
$2,500 and up	0.15%	$15
$30,000 and up	0.35%	—
$80,000 and up	0.75%	—
$100,000 and up	1.26%	—

Sources (3)

All captured Oct 15, 2026

Regular Share

0.05%APY$5 to open

Must maintain minimum balance of $5.00 ($5.00 par value of 1 share required for membership). Balances under $500.00 receive no dividends. Inactive share account fee of $5.00/month assessed after 6 months. Dividends compounded daily and credited monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$500 and upMinimum balance to earn APY is $500.00. Minimum deposit of $5.00 stated in rate schedule; $10.00 minimum opening deposit stated in TIS disclosure. Dividends compounded daily, credited monthly.$500 and up	0.05%	$5	Minimum balance to earn APY is $500.00. Minimum deposit of $5.00 stated in rate schedule; $10.00 minimum opening deposit stated in TIS disclosure. Dividends compounded daily, credited monthly.

Sources (3)

All captured Sep 18, 2026

Money Mover

0.00%APY

Non-interest bearing club account with 0.00% APY. Unlimited transfers in and out with no limitations or fees involved with the Federal Reg D limit. No minimum balance required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNon-interest bearing. No minimum balance required. Unlimited transfers with no Reg D limitations.Any balance	0.00%	$0	Non-interest bearing. No minimum balance required. Unlimited transfers with no Reg D limitations.

Sources (2)

All captured Sep 18, 2026

Special-purpose accounts

Christmas Club

0.05%APYClub

Interest bearing club account. Locked from January 1st to October 1st; funds transferred to members savings after October 1st. Early withdrawal fee of $10.00. No minimum balance required, but balances under $500 receive no dividends. Dividends compounded daily and credited monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends compounded daily, credited monthly. Balances under $500 receive no dividends. Early withdrawal fee is $10.00.Any balance	0.05%	$5	Dividends compounded daily, credited monthly. Balances under $500 receive no dividends. Early withdrawal fee is $10.00.

Sources (3)

All captured Sep 18, 2026

IRA Club

0.05%APYIRA

Traditional, Roth, Educational IRAs and IRA Conversions in club format. All IRAs are interest-bearing accounts. May be assessed $25.00 Annual Fee, $35.00 Transfer Fee, and $35.00 Termination Fee. Balances under $500 receive no dividends.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceAnnual fee is $25.00. Transfer fee $35.00 and termination fee $35.00 may apply. Balances under $500 receive no dividends. Dividends compounded daily, credited monthly.Any balance	0.05%	$5	Annual fee is $25.00. Transfer fee $35.00 and termination fee $35.00 may apply. Balances under $500 receive no dividends. Dividends compounded daily, credited monthly.

Sources (3)

All captured Sep 18, 2026

Vacation Club

0.05%APYClub

Interest-bearing club account strictly for vacations. No minimum balance required; balances under $500 receive no dividends. Dividends compounded daily and credited monthly. Account transfer and withdrawal limitations apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends compounded daily, credited monthly. Balances under $500 receive no dividends.Any balance	0.05%	$5	Dividends compounded daily, credited monthly. Balances under $500 receive no dividends.

Sources (3)

All captured Sep 18, 2026

Who can join Chiphone Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

How Chiphone Federal Credit Union’s savings rates compare

Chiphone Federal Credit Union savings score

Current savings rates

Money Market

Regular Share

Money Mover

Special-purpose accounts

Christmas Club

IRA Club

Vacation Club

Who can join Chiphone Federal Credit Union