Collins Community Credit Union Savings & Money Market Rates

How Collins Community Credit Union’s savings rates compare

Compared with banks and credit unions near Cedar Rapids, IA, where Collins Community Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Collins Community Credit Union
3.05%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$305
Signature Money Market
2nd-highest rate
Dupaco Community Credit Union
2.25%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$225
Dupaco Community Credit Union rates
3rd-highest rate
U.S. Bank
2.00%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$200
U.S. Bank rates

Compare savings rates near you →

89

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0003.05%
$10,000 balance$10,0003.05%
$100,000 balance$100,0003.05%
QualifiedQualified3.05%

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 Collins Community 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.

Signature Money Market

Up to 3.05%APY$1,000 to open

Requires $1,000.00 initial minimum new money deposit to open. Must meet membership eligibility requirements. Subject to early closure fee and monthly minimum balance fee.

Sources (2)

All captured Oct 17, 2026

Money Market Plus

0.75%APY$1,000 to open

Must meet membership eligibility requirements. Minimum balance fee assessed if balance is below $1,000.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000$1,000.00 minimum balance required to earn APY; minimum balance fee assessed if balance is below $1,000.00.	0.01%	—	$1,000.00 minimum balance required to earn APY; minimum balance fee assessed if balance is below $1,000.00.
$1,000 – $10,000Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.	0.05%	—	Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.
$10,000 – $50,000Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.	0.75%	$75	Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.
$50,000 – $100,000Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.	1.35%	—	Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.
$100,000 – $250,000Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.	1.65%	—	Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.
$250,000 – $500,000Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.	1.94%	—	Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.
$500,000 – $1,000,000Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.	2.15%	—	Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.
$1,000,000 and upRequires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.	2.35%	—	Requires $1,000.00 minimum balance to earn APY; minimum balance fee assessed if balance is below $1,000.00.

Sources (2)

All captured Oct 17, 2026

Lifestyle Savings Account

0.05%APY$5 to open

Requires $1 Membership Share account to establish membership. Dividends compounded and paid quarterly. No minimum balance fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$5 and up	0.05%	$5

Sources (3)

All captured Sep 18, 2026

Savings Ltd.

0.05%APY$5 to open

Requires $1 Membership Share account to establish membership. Dividends compounded and paid quarterly. Limited to 6 convenient withdrawal transactions per month (branch or ATM withdrawals do not count toward the limit). No monthly fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$100 and up	0.05%	$5

Sources (3)

All captured Sep 18, 2026

Special-purpose accounts

Coverdell Education Savings Account

0.05%APYIRA$100 to open

Requires $1 Membership Share account to establish membership. Contributions can be made until the day after the child turns 18 / reaches age 18. Annual contribution limit of $2,000.00. Tax-free withdrawals for qualified education expenses. Tiered dividend rate based on daily balance minimums.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.05%	—
$1,000 – $5,000	0.05%	—
$5,000 – $15,000	0.05%	$5
$15,000 – $50,000	0.15%	—
$50,000 – $100,000	0.15%	—
$100,000 and up	0.30%	—

Sources (3)

All captured Sep 18, 2026

Individual Retirement Accounts (IRAs)

0.05%APYIRA

Available as Traditional IRA, Roth IRA, or Roth Conversion IRA. Interest compounded quarterly. A transfer fee will be charged on all transfers out of the account as listed on the Fee Schedule (may be waived for certain transfers).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.05%	—
$1,000 – $5,000	0.05%	—
$5,000 – $15,000	0.05%	$5
$15,000 – $50,000	0.15%	—
$50,000 – $100,000	0.15%	—
$100,000 and up	0.30%	—

Sources (6)

All captured Sep 18, 2026

Health Savings Account

0.25%APYHSA$100 to open

Requires $1 Membership Share account to establish membership. Must be covered under a high-deductible health plan (HDHP), not covered by non-HDHP, not enrolled in Medicare, and cannot be claimed as a dependent on another's tax return. No monthly fee. Free checks and unlimited check writing. Accrues interest from $5.00 balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$5 and up	0.25%	$25

Sources (3)

All captured Sep 18, 2026

Youth Savings Account

0.05%APYKids and teens$5 to open

Requires $1 Membership Share account to establish membership. Account is for members aged 0-23 years old. Limited to 6 convenient withdrawal transactions per month. No monthly fee. Dividends compounded and paid quarterly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Over $0	0.05%	$5

Sources (3)

All captured Sep 18, 2026

Who can join Collins Community 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 anyone who lives, works, attends school, or worships in qualifying counties across Iowa, Illinois, and Wisconsin.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.	3.05%	—	Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
Up to $1,000Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.	0.75%	—	Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
$1,000 – $10,000Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.	3.05%	—	Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
$1,000 – $10,000Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.	0.75%	—	Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
$10,000 – $50,000Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.	3.05%	$305	Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
$10,000 – $50,000Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.	0.75%	$75	Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
$50,000 – $100,000Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.	3.05%	—	Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
$50,000 – $100,000Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.	0.75%	—	Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
$100,000 – $250,000Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.	3.05%	—	Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
$100,000 – $250,000Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.	0.75%	—	Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
$250,000 – $500,000Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.	3.05%	—	Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
$250,000 – $500,000Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.	0.75%	—	Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
$500,000 – $1,000,000Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.	3.05%	—	Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
$500,000 – $1,000,000Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.	0.75%	—	Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.
$1,000,000 and upBonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.	3.05%	—	Bonus dividend rate: requires active Collins CCU checking account with at least 1 deposit and a minimum of 10 withdrawals each month. Dividends compounded and paid quarterly.
$1,000,000 and upBase dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.	0.75%	—	Base dividend rate paid without active checking account or if monthly activity requirements are not met. Dividends compounded and paid quarterly.

How Collins Community Credit Union’s savings rates compare

Collins Community Credit Union savings score

Current savings rates

Signature Money Market

Money Market Plus

Lifestyle Savings Account

Savings Ltd.

Special-purpose accounts

Coverdell Education Savings Account

Individual Retirement Accounts (IRAs)

Health Savings Account

Youth Savings Account

Who can join Collins Community Credit Union

Where you live or work