Credit union · NCUA insured
Community Trust Credit Union Savings Rates
Community Trust Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Community Trust Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Community Trust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Trust Credit Union
0.35%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
Money Market
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
Community Trust Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.35%
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 Trust 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
0.35%APY
CTCU membership required. Minimum opening deposit of $2,500. No interest is paid when balance falls below $2,500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $19,999 | 0.35% | $35 |
| $20,000 – $49,999 | 0.37% | — |
| $50,000 and up | 0.40% | — |
Sources (2)
All captured Oct 16, 2026
Primary Savings
0.05%APY
CTCU membership required. $5.00 minimum balance must be maintained. Dividends accrue daily, compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Share Savings
0.05%APY
CTCU membership required. $5.00 minimum amount.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (1)
- ctcu.org/products/rates · captured Sep 25, 2026
Special-purpose accounts
Holiday/Vacation Savings
0.05%APY
CTCU membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Sep 25, 2026
Variable IRA
0.05%APY
CTCU membership required. $10 minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (2)
All captured Sep 25, 2026
Youth Savings
0.05%APY
Must be 17 years of age or younger. New CTCU membership account. $5.00 minimum balance must be maintained.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Who can join Community Trust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Lake or McHenry Counties in Illinois or Kenosha County in Wisconsin are eligible for membership.
Family and household
- Individuals who have a relative who is a CTCU member are eligible for membership.
Cost to join
- Opening a membership requires $5.00.
Membership information collected October 5, 2026.