Credit union · NCUA insured
Co-op Credit Union Savings Rates
Top CarrotCo-op Credit Union’s best savings rate is 1.40% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Co-op Credit Union’s savings rates compare
Compared with banks and credit unions near La Crosse, WI-MN, where Co-op Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Co-op Credit Union
1.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $140
Money Market Account
Top rate
Altra Federal Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Co-op Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0001.40%
- $10,000 balance$10,0001.40%
- $100,000 balance$100,0002.15%
- QualifiedQualified1.40%
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.
Money Market Account
1.40%APY
No monthly fee. Unlimited deposits. Free checks when using preferred check style. Dividends are credited monthly. To earn the dividend rate, a minimum balance of $10,000 must be maintained or the regular savings rate will apply. Withdrawals of less than $500 (including checks) or more than 6 withdrawals per month incur a $10 fee per transaction.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $25,000To earn dividend rate, minimum balance of $10,000 must be maintained or regular savings rate applies. | 1.40% | $140 | To earn dividend rate, minimum balance of $10,000 must be maintained or regular savings rate applies. |
| $25,000 – $50,000 | 1.75% | — | |
| $50,000 – $100,000 | 1.85% | — | |
| $100,000 – $250,000 | 2.15% | — | |
| $250,000 and up | 2.25% | — |
Sources (2)
- coopcu.com/checking-and-saving…ng-accounts/money-market
- coopcu.com/checking-and-saving…-certificate-rates/rates
All captured Oct 16, 2026
Super Share Savings
Up to 1.20%APY
$1,000 minimum balance. Tiered rates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier applies to balances $1,000 < $5,000. Account requires $1,000 minimum balance. | 0.80% | — | Tier applies to balances $1,000 < $5,000. Account requires $1,000 minimum balance. |
| $5,000 – $10,000 | 0.85% | $85 | |
| $10,000 – $20,000 | 1.20% | $120 | |
| $20,000 – $30,000 | 1.35% | — | |
| $30,000 – $40,000 | 1.40% | — | |
| $40,000 – $50,000 | 1.50% | — | |
| $50,000 and up | 1.70% | — |
Sources (2)
- coopcu.com/checking-and-saving…-certificate-rates/rates
- coopcu.com/checking-and-savings/savings/personal-savings
All captured Oct 16, 2026
GoalSetter Savings
1.40%APY
Withdrawals limited to January, July, November and December only. Account maximum of $10,000 to earn GoalSetter Rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Withdrawals limited to January, July, November and December only. Balances up to $10,000 earn the GoalSetter rate.Up to $10,000 | 1.40% | $140 | Withdrawals limited to January, July, November and December only. Balances up to $10,000 earn the GoalSetter rate. |
Sources (2)
- coopcu.com/checking-and-saving…-certificate-rates/rates
- coopcu.com/checking-and-savings/savings/personal-savings
All captured Oct 16, 2026
Escrow Savings
0.17%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.17% | $17 |
Sources (1)
- coopcu.com/checking-and-saving…-certificate-rates/rates · captured Oct 16, 2026
Funeral Trust
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (1)
- coopcu.com/checking-and-saving…-certificate-rates/rates · captured Oct 16, 2026
Share Savings
0.15%APY
$5 minimum balance; $20 minimum to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $20 and up | 0.15% | $15 |
Sources (2)
- coopcu.com/checking-and-saving…-certificate-rates/rates
- coopcu.com/checking-and-savings/savings/personal-savings
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account
Up to 0.60%APY
Tax-exempt custodial account established to pay qualified medical expenses in conjunction with a High Deductible Health Plan (HDHP). Two tiers: higher rate for balances over $10,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier applies to balances 0 < $10,000. | 0.45% | $45 | Tier applies to balances 0 < $10,000. |
| $10,000 and up | 0.60% | $60 |
Sources (2)
- coopcu.com/checking-and-saving…-certificate-rates/rates
- coopcu.com/checking-and-saving…/health-savings-accounts
All captured Oct 16, 2026
Individual Retirement Account
0.45%APY
No service charge; no annual maintenance fee. $20 minimum daily balance to earn dividends. Must be at least 59.5 years old to withdraw; early withdrawal tax penalties may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20 and upMust be at least 59.5 years old to withdraw. Early withdrawal tax penalties may apply.$20 and up | 0.45% | $45 | Must be at least 59.5 years old to withdraw. Early withdrawal tax penalties may apply. |
Sources (2)
- coopcu.com/checking-and-saving…-certificate-rates/rates
- coopcu.com/checking-and-saving…dual-retirement-accounts
All captured Oct 16, 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
- Membership is open to persons residing, employed, or owning property in Buffalo, Chippewa, Clark, Dunn, Eau Claire, Jackson, La Crosse, Monroe, Pepin, or Trempealeau counties in Wisconsin.
Employers and groups
- Membership is open to employees and retirees of the Burlington Northern Santa Fe Railroad, Chicago and Twin Cities Divisions, that work into or out of La Crosse, WI.
- Membership is open to any member of any cooperatives organized or existing in Jackson County, Wisconsin, including Allied Co-operative, AMPI Co-op, Clark Electric Co-op, Eau Claire Electric Co-op, ProVision Partners (formerly Federation Co-op), Jackson Electric Co-op, Land O Lakes Co-op, Oakdale Electric Co-op, Riverland Electric Co-op, Tri-County Telephone Co-op, or Tri-County Communications Co-op.
- Membership is open to any stockholder of the Fall Creek Supply Co-op or Augusta Farmers Union Co-op.
Military, government and schools
- Membership is open to any federal employee or postal employee within a 75-mile radius of La Crosse, Wisconsin.
Family and household
- Membership is open to any persons of the immediate family of a current CCU member.
Cost to join
- Opening and maintaining membership requires $5 in a membership share savings account.
Membership information collected October 5, 2026.