Credit union · NCUA insured
Community Choice Credit Union Savings Rates
Community Choice Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Community Choice Credit Union’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Community Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Choice Credit Union
0.40%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Community Choice Credit Union savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.85%
- QualifiedQualified0.40%
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 Community Choice 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.
Ultra Money Market Account
Up to 2.50%APY
No minimum deposit required to open the account. $19,530.00 minimum average daily balance required to earn interest. Each tier applies to both consumer and business accounts. Rates are subject to change after the account is opened. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $19,530 – $49,530Minimum average daily balance of $19,530.00 required to earn interest. | 1.60% | — | Minimum average daily balance of $19,530.00 required to earn interest. |
| $49,530 – $99,530Minimum average daily balance of $19,530.00 required to earn interest. | 1.70% | — | Minimum average daily balance of $19,530.00 required to earn interest. |
| $99,530 – $149,530Minimum average daily balance of $19,530.00 required to earn interest. | 1.85% | — | Minimum average daily balance of $19,530.00 required to earn interest. |
| $149,530 – $249,530Minimum average daily balance of $19,530.00 required to earn interest. | 1.90% | — | Minimum average daily balance of $19,530.00 required to earn interest. |
| $249,530 – $499,530Minimum average daily balance of $19,530.00 required to earn interest. | 2.05% | — | Minimum average daily balance of $19,530.00 required to earn interest. |
| $499,530 – $949,530Minimum average daily balance of $19,530.00 required to earn interest. | 2.25% | — | Minimum average daily balance of $19,530.00 required to earn interest. |
| $949,530 – $1,953,000Minimum average daily balance of $19,530.00 required to earn interest. | 2.45% | — | Minimum average daily balance of $19,530.00 required to earn interest. |
| Over $1,953,000Minimum average daily balance of $19,530.00 required to earn interest. | 2.50% | — | Minimum average daily balance of $19,530.00 required to earn interest. |
Sources (1)
- comchoicecu.org/plan/money-markets · captured Sep 18, 2026
Premium Money Market Account
0.35%APY
$150,000.00 minimum deposit required to open the account. $10,000.00 minimum average daily balance required to earn interest. Each tier applies to both consumer and business accounts. Rates are subject to change after the account is opened. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $150,000Minimum average daily balance of $10,000.00 required to earn interest. | 0.35% | $35 | Minimum average daily balance of $10,000.00 required to earn interest. |
| $150,000 – $250,000Minimum average daily balance of $10,000.00 required to earn interest. | 1.31% | — | Minimum average daily balance of $10,000.00 required to earn interest. |
| $250,000 – $500,000Minimum average daily balance of $10,000.00 required to earn interest. | 1.51% | — | Minimum average daily balance of $10,000.00 required to earn interest. |
| Over $500,000Minimum average daily balance of $10,000.00 required to earn interest. | 1.61% | — | Minimum average daily balance of $10,000.00 required to earn interest. |
Sources (1)
- comchoicecu.org/plan/money-markets · captured Sep 18, 2026
Money Market Account
0.40%APY
$10,000.00 minimum deposit required to open the account. $10,000.00 minimum average daily balance required to earn interest. Each tier applies to both consumer and business accounts. Rates are subject to change after the account is opened. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $25,000Minimum average daily balance of $10,000.00 required to earn interest. | 0.40% | $40 | Minimum average daily balance of $10,000.00 required to earn interest. |
| $25,000 – $50,000Minimum average daily balance of $10,000.00 required to earn interest. | 0.45% | — | Minimum average daily balance of $10,000.00 required to earn interest. |
| $50,000 – $100,000Minimum average daily balance of $10,000.00 required to earn interest. | 0.50% | — | Minimum average daily balance of $10,000.00 required to earn interest. |
| $100,000 – $150,000Minimum average daily balance of $10,000.00 required to earn interest. | 0.55% | — | Minimum average daily balance of $10,000.00 required to earn interest. |
| Over $150,000Minimum average daily balance of $10,000.00 required to earn interest. | 0.65% | — | Minimum average daily balance of $10,000.00 required to earn interest. |
Sources (1)
- comchoicecu.org/plan/money-markets · captured Sep 18, 2026
Primary Share Savings
0.05%APY
Minimum average daily balance of $5,000.01 required to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000 | 0.00% | — | |
| $5,000 – $10,000 | 0.05% | $5 | |
| $10,000 – $100,000Stated APY range is .05% – .14% with a 0.15% dividend rate. | 0.15% | — | Stated APY range is .05% – .14% with a 0.15% dividend rate. |
| Over $100,000Stated APY range is .14% – .15% with a 0.15% dividend rate. | 0.15% | — | Stated APY range is .14% – .15% with a 0.15% dividend rate. |
Sources (1)
- comchoicecu.org/unbank/savings · captured Oct 5, 2026
Second Share Savings
0.05%APY
Minimum average daily balance of $5,000.01 required to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000 | 0.00% | — | |
| $5,000 – $10,000 | 0.05% | $5 | |
| Over $10,000Stated APY range is .05% – .15% with a 0.15% interest rate. | 0.15% | — | Stated APY range is .05% – .15% with a 0.15% interest rate. |
Sources (1)
- comchoicecu.org/unbank/savings · captured Oct 5, 2026
Fund Share Savings Account
0.00%APY
Minimum average daily balance of $500.01 required to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.00% | — |
| Over $500 | 0.00% | $0 |
Sources (1)
- comchoicecu.org/unbank/savings · captured Oct 5, 2026
Special-purpose accounts
IRA Accounts
0.20%APY
No monthly or annual fees. Available as share savings accounts (Traditional IRA and Roth IRA). $0.01 minimum average daily balance required to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
The Money Mammals® Kids Club™
0.15%APY
Available for ages 12 and under. $0.01 minimum balance required to earn APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.15% | — |
| $5,000 – $10,000 | 0.15% | $15 |
| $10,000 – $100,000 | 0.15% | — |
| Over $100,000 | 0.15% | — |
Sources (2)
All captured Oct 5, 2026
Health Savings Account (HSA)
0.10%APY
No monthly service charges. $500.00 minimum average daily balance required to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.00% | — |
| $500 and up | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Vacation Club and Holiday Account
0.05%APY
Minimum average daily balance of $0.01 required to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.05% | $5 |
Sources (1)
- comchoicecu.org/unbank/savings · captured Oct 5, 2026
Who can join Community Choice Credit Union
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