Credit union · NCUA insured
CommunityWide Federal Credit Union Savings Rates
Top CarrotCommunityWide Federal Credit Union’s best savings rate is 3.25% APY on $10,000, with its CW HiRate Savings. Rates checked October 15, 2026.
How CommunityWide Federal Credit Union’s savings rates compare
Compared with banks and credit unions near South Bend, IN-MI, where CommunityWide Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CommunityWide Federal Credit Union
3.25%APY
- Minimum
- $5
- Earns on $10,000 a year
- $325
CW HiRate Savings
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
CommunityWide Federal Credit Union savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0003.25%
- $10,000 balance$10,0003.25%
- $100,000 balance$100,0003.25%
- QualifiedQualified3.25%
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 CommunityWide Federal 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.
CW HiRate Savings
3.25%APY
Penalty-free withdrawal period is the 1st 5 days of each month. Withdrawals outside this window incur a 15-day dividend penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. Penalty-free withdrawal period is the 1st 5 days of each month; otherwise withdrawal penalty is 15 days dividends.Any balance | 3.25% | $325 | Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. Penalty-free withdrawal period is the 1st 5 days of each month; otherwise withdrawal penalty is 15 days dividends. |
CW Cents Savings
1.00%APY
Enrolling in the CW Cents Savings Round-Up Program rounds up debit card purchases associated with CW Checking account to the next whole dollar amount and transfers the excess from CW Checking to CW Cents Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. No penalty withdrawal period is any time.Any balance | 1.00% | $100 | Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. No penalty withdrawal period is any time. |
CW Savings
1.00%APY
No monthly service charges. Additional savings accounts have no minimum balance requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month on entire balance. No penalty withdrawal period is any time.Any balance | 1.00% | $100 | Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month on entire balance. No penalty withdrawal period is any time. |
Special-purpose accounts
CW IRA Savings
3.25%APY
Offers Traditional and Roth IRA options. Annual fee of $25.00 applies if balance is less than $2,000.00. Closing fee of $100.00 if closed within 3 months. In-person or direct contact required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. No penalty withdrawal period is any time. Annual fee of $25.00 applies if balance is less than $2,000.00.Any balance | 3.25% | $325 | Minimum balance to earn dividends is $1.00. Dividends earned each day, paid at end of each month. No penalty withdrawal period is any time. Annual fee of $25.00 applies if balance is less than $2,000.00. |
Sources (3)
- comwide.com/rates
- comwide.com/save-and-spend/cw-iras
- comwide.com/files/comwide24/1/…e%20of%20Fees%202306.pdf
All captured Oct 5, 2026
Who can join CommunityWide Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals can qualify for membership as a donor member of Michiana Goodwill Boosters, Marine Corps League of St. Joseph Valley, Habitat for Humanity Helpers, or Ronald McDonald House Charities of Michiana by including $5.00 association dues at account opening.
- Employees and retirees of designated participating employer and organization groups are eligible for membership.
Military, government and schools
- Employees or retirees of Acme Institute of Technology are eligible for membership.
- U. S. Govt. Civilian Employees (working in or supervised from South Bend except S.B. postal workers) and retirees are eligible for membership.
Family and household
- Immediate family members living in the same household of qualified CW members are eligible for membership.
- Spouses of persons who died while within the credit union's field of membership are eligible for membership.
Cost to join
- Association dues of $5.00 to the organization of your choice at the time of account opening.
Membership information collected October 5, 2026.