Credit union · NCUA insured
Commonwealth Credit Union Savings Rates
Top CarrotCommonwealth Credit Union’s best savings rate is 1.95% APY on $10,000, with its Consumer Money Market Accounts. Rates checked October 22, 2026.
How Commonwealth Credit Union’s savings rates compare
Compared with banks and credit unions near Lexington, KY, where Commonwealth Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Commonwealth Credit Union
1.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $195
Consumer Money Market Accounts
Top rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
2nd-highest rate
Blue Grass Federal
3.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
Commonwealth Credit Union savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.95%
- $100,000 balance$100,0002.50%
- QualifiedQualified1.95%
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 Commonwealth 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.
Round-Up Savings Account
5.00%APY
Must have a Round-Up Checking account with debit card access, online banking, and e-statements. Debit card purchases are rounded up to the nearest whole dollar and transferred to the account; no other deposits permitted. Dividends compounded and credited annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires Round-Up Checking account. Only funded via round-up debit card transactions.Any balance | 5.00% | $500 | Requires Round-Up Checking account. Only funded via round-up debit card transactions. |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/savings
All captured Oct 5, 2026
Consumer Money Market Accounts
1.95%APY
Tiered rate account; dividend rate for a tier applies to the entire balance if the average daily balance falls within that tier. Minimum opening balance is $2,500. A $10 monthly service fee applies if the average balance falls below $2,500 during the month. Account will not earn dividends if the balance falls below $2,500. Limited to 6 preauthorized, automatic, or telephone transfers/withdrawals per month. Minimum withdrawal amount is $250 ($5 fee for transactions less than $250 or exceeding 6 per month).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 1.80% | — |
| $10,000 – $25,000 | 1.95% | $195 |
| $25,000 – $50,000 | 2.10% | — |
| $50,000 – $100,000 | 2.25% | — |
| $100,000 and up | 2.50% | — |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/money-market
All captured Oct 5, 2026
Personal Goal Account
0.50%APY
Dividends compounded and credited monthly. No minimum deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn APY; no minimum balance to avoid service fee.Any balance | 0.50% | $50 | No minimum balance to earn APY; no minimum balance to avoid service fee. |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/savings
All captured Oct 5, 2026
Regular Savings Account
0.15%APY
Dividends compounded and credited monthly based on average daily balance. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn APY; no minimum balance to avoid service fee.Any balance | 0.15% | $15 | No minimum balance to earn APY; no minimum balance to avoid service fee. |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/savings
All captured Oct 5, 2026
Special-purpose accounts
IRA/Roth Savings Account
0.20%APY
Traditional and Roth IRA savings account. Dividends compounded and credited monthly. No front end charges or service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum opening balance, no minimum balance to earn APY, and no minimum balance to avoid service fee.Any balance | 0.20% | $20 | No minimum opening balance, no minimum balance to earn APY, and no minimum balance to avoid service fee. |
Christmas Savings Account
0.15%APY
Dividends compounded and credited monthly. Excessive withdrawals may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum opening balance, no minimum balance to earn APY, and no minimum balance to avoid service fee.Any balance | 0.15% | $15 | No minimum opening balance, no minimum balance to earn APY, and no minimum balance to avoid service fee. |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/savings
All captured Oct 5, 2026
Minor Savings
0.15%APY
Youth savings account for minors. For members under 13, account must be created and managed by a parent or guardian aged 18+. Teens aged 13-17 do not need a parent or guardian. No monthly service fees; dividends paid and compounded monthly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to minors / youth members.Any balance | 0.15% | $15 | Available to minors / youth members. |
Sources (3)
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/savings
- ccuky.org/my-life/save-and-spend/youth-savings-account
All captured Oct 5, 2026
Vacation Club
0.15%APY
Dividends compounded and credited monthly. Two fee-free withdrawals allowed per calendar year; $5 fee for each additional withdrawal. Excessive withdrawals may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum opening balance, no minimum balance to earn APY, and no minimum balance to avoid service fee.Any balance | 0.15% | $15 | No minimum opening balance, no minimum balance to earn APY, and no minimum balance to avoid service fee. |
Sources (3)
- ccuky.org/assets/files/DSnXlX1…e_and_fee_disclosure.pdf
- ccuky.org/my-campus/discover/rates
- ccuky.org/my-life/save-and-spend/savings
All captured Oct 5, 2026
Who can join Commonwealth 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 living, working, conducting business, worshipping, or attending school in 35 specified Kentucky counties, as well as businesses located there, are eligible to join.
Employers and groups
- Employees of Baptist Health Lexington or Zoeller are eligible for membership.
Military, government and schools
- Members of Kentucky Education Association or Kentucky Retired Teachers Association are eligible to join.
- Employees and members of specific state government and education entities in Kentucky are eligible for membership.
Family and household
- Immediate family members of current members are eligible to join.
Other ways
- Individuals can become eligible for membership by joining one of the credit union's partner associations at no cost.
Membership information collected October 4, 2026.