Credit union · NCUA insured
Co-op Credit Union Savings Rates
Top CarrotCo-op Credit Union’s best savings rate is 2.75% APY on $10,000, with its Members Money Savings Account. Rates checked October 16, 2026.
How Co-op Credit Union’s savings rates compare
Compared with banks and credit unions near Willmar, MN, where Co-op Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Co-op Credit Union
2.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $275
WINcentive Savings
Top rate
United Prairie Bank
3.40%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $340
3rd-highest rate
Harvest Bank
2.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $250
Co-op Credit Union savings score
94
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0002.75%
- $10,000 balance$10,0002.75%
- $100,000 balance$100,0003.75%
- QualifiedQualified2.75%
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 Co-op 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.
Members Money Savings Account
2.75%APY
Tiered interest rates. Minimum deposit of $1,000.00. Must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage rate. Interest is calculated and paid monthly on the average daily balance, and is compounded. Limit of 6 transactions (deposits or withdrawals) per month, of which only 3 can be withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $25,000Must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage rate. Minimum deposit of $1,000.00. Limit of 6 transactions per month (max 3 withdrawals). | 2.75% | $275 | Must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage rate. Minimum deposit of $1,000.00. Limit of 6 transactions per month (max 3 withdrawals). |
| $25,000 – $50,000Minimum deposit of $1,000.00. Limit of 6 transactions per month (max 3 withdrawals). | 3.00% | — | Minimum deposit of $1,000.00. Limit of 6 transactions per month (max 3 withdrawals). |
| $50,000 and upMinimum deposit of $1,000.00. Limit of 6 transactions per month (max 3 withdrawals). | 3.75% | — | Minimum deposit of $1,000.00. Limit of 6 transactions per month (max 3 withdrawals). |
Sources (2)
All captured Oct 5, 2026
Share Savings
2.75%APY
Required account to establish membership. Dividends compounded and paid quarterly using the average daily balance method when average daily balance is $10.00 or greater.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid quarterly using average daily balance method; quarterly dividends paid when average daily balance is $10.00 or greater.Any balance | 2.75% | $275 | Dividends compounded and paid quarterly using average daily balance method; quarterly dividends paid when average daily balance is $10.00 or greater. |
Sources (2)
All captured Oct 5, 2026
WINcentive Savings
2.75%APY
Prize-linked savings account offering prize drawing entries for each $25 increase in savings balance (up to 4 entries per month).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.75% | $275 |
Sources (3)
- co-opcreditunion.com/deposit-rates
- co-opcreditunion.com/save-and-spend/savings-accounts
- co-opcreditunion.com/wincentive-savings-account
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account (HSA)
3.00%APY
Available to individuals and families covered by a high-deductible health insurance plan. Access via in-person or CCU HSA debit card for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 2.00% | — |
| $2,500 – $10,000 | 2.45% | — |
| $10,000 and up | 3.00% | $300 |
Sources (2)
All captured Oct 5, 2026
IRA Deposit Account
3.00%APY
Allows deposits in increments and any amount after initial minimum deposit. Rate may vary on a quarterly basis. Can be used for Roth, Traditional, Coverdell Education, or Simplified Employee Pension.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate may vary on a quarterly basis.Any balance | 3.00% | $300 | Rate may vary on a quarterly basis. |
Sources (2)
All captured Oct 5, 2026
Holiday Club
2.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.75% | $275 |
Sources (1)
- co-opcreditunion.com/deposit-rates · captured Oct 5, 2026
Vacation Club
2.75%APY
Account to accumulate funds for vacation spending. Funds are available to withdraw at any time. Dividends compounded and paid quarterly using average daily balance method when average daily balance for the quarter is $10.00 or greater.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividends paid when average daily balance for the quarter is $10.00 or greater.Any balance | 2.75% | $275 | Quarterly dividends paid when average daily balance for the quarter is $10.00 or greater. |
Sources (2)
All captured Oct 5, 2026
Who can join Co-op Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship or attend school in, and businesses and other legal entities located within Swift, Lac qui Parle, Chippewa, Renville, Yellow Medicine, Lincoln and Lyon counties in Minnesota are eligible for membership.
Employers and groups
- Employees of the Co-op Credit Union of Montevideo are eligible for membership.
- Members, shareholders, or employees of Farmers Co-op Oil Company, Clara City are eligible for membership.
- Members, shareholders, or employees of Farmers Union Oil Company of Montevideo are eligible for membership.
- Members, shareholders, or employees of Minnesota Valley Co-op Light & Power Association are eligible for membership.
Family and household
- Spouses of regularly qualified members, blood or adoptive relatives of either of them, and their spouses are eligible for membership.
Cost to join
- A membership share account can be opened with as little as $5.00.
Membership information collected October 4, 2026.