Credit union · NCUA insured
Consumers Credit Union Savings Rates
Top CarrotConsumers Credit Union’s best savings rate is 0.55% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Consumers Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Consumers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Consumers Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Smart Saver
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
Consumers Credit Union savings score
85
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.55%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0000.75%
- QualifiedQualified3.00%
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 Consumers 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.
Smart Saver
Up to 3.00%APY
Only one Smart Saver account per membership. Monthly deposits must total between $50.00 and $1,000.00; any deposits exceeding $1,000 per month will be transferred to Membership Share Savings. Maximum 6 transfers and withdrawals per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceSmart Rate: Requires deposits totaling at least $50/month (max $1,000/month), ACH direct deposit or mobile check deposit of $500+ into non-IRA checking, e-statements enrollment, and no member withdrawals during the month. · $0 to open | 3.00% | $0 | $300 | Smart Rate: Requires deposits totaling at least $50/month (max $1,000/month), ACH direct deposit or mobile check deposit of $500+ into non-IRA checking, e-statements enrollment, and no member withdrawals during the month. |
| Any balanceBasic Rate: Applied if monthly qualifications are not met or if a member-based withdrawal occurs during the month. · $0 to open | 0.25% | $0 | $25 | Basic Rate: Applied if monthly qualifications are not met or if a member-based withdrawal occurs during the month. |
| Any balanceEarned without a checking relationship or if a withdrawal occurs during the month / minimum monthly qualifications are not met. · Unknown to open | 0.25% | Unknown | $25 | Earned without a checking relationship or if a withdrawal occurs during the month / minimum monthly qualifications are not met. |
| Over $0Qualifications Met: Requires minimum monthly deposit of $50 (max $1,000), enrollment in e-statements, and ACH direct deposits or remotely deposited checks totaling at least $500 into any non-IRA checking account with the same primary owner, with no member-based withdrawals during the month. · $5 to open | 3.00% | $5 | $300 | Qualifications Met: Requires minimum monthly deposit of $50 (max $1,000), enrollment in e-statements, and ACH direct deposits or remotely deposited checks totaling at least $500 into any non-IRA checking account with the same primary owner, with no member-based withdrawals during the month. |
| Over $0Qualifications Not Met: Basic rate applied if monthly qualifications are not met or if a member-based withdrawal occurs during the month. · $5 to open | 0.25% | $5 | $25 | Qualifications Not Met: Basic rate applied if monthly qualifications are not met or if a member-based withdrawal occurs during the month. |
Money Market
0.55%APY
Share account. Requires maintaining membership share ($5.00 par value). Account transfer and withdrawal limitations apply (maximum 6 transfers/withdrawals per month). Tiered rate account where the rate for a balance tier applies to the full balance once met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Rate applies to the full balance of the account once tier range is met. | 0.55% | $55 | Rate applies to the full balance of the account once tier range is met. |
| $25,000 – $100,000Rate applies to the full balance of the account once tier range is met. | 0.65% | — | Rate applies to the full balance of the account once tier range is met. |
| $100,000 – $250,000Rate applies to the full balance of the account once tier range is met. | 0.75% | — | Rate applies to the full balance of the account once tier range is met. |
| $250,000 and upRate applies to the full balance of the account once tier range is met. | 1.16% | — | Rate applies to the full balance of the account once tier range is met. |
Sources (3)
All captured Oct 7, 2026
Custom Savings
0.03%APY
Account transfer and withdrawal limitations apply (maximum 6 transfers/withdrawals per month).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded and credited monthly.Any balance | 0.03% | $3 | Compounded and credited monthly. |
Sources (1)
- myconsumers.org/docs/default-s…_product_disclosures.pdf · captured Oct 7, 2026
Membership Share Savings
0.03%APY
Par value of one share is $5.00 to maintain membership. Daily balance calculation. Limit of six transfers and withdrawals per month.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceCompounded and credited monthly. Account transfer and withdrawal limitations apply. · $0 to open | 0.03% | $0 | $3 | Compounded and credited monthly. Account transfer and withdrawal limitations apply. |
| Over $0$5 to open | 0.03% | $5 | $3 |
Sources (3)
- myconsumers.org/checking-and-s…savings-accounts/savings
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/rates
All captured Oct 7, 2026
Special Share Savings
0.03%APY
Services limited to deposits into and withdrawals from account; no ACH withdrawals permitted. Checks deposited held at least 9 business days. May not open any other accounts.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceCompounded and credited monthly. Account transfer and withdrawal limitations apply. · $0 to open | 0.03% | $0 | $3 | Compounded and credited monthly. Account transfer and withdrawal limitations apply. |
| Over $0$5 to open | 0.03% | $5 | $3 |
Sources (2)
All captured Oct 7, 2026
Special-purpose accounts
IRA Money Market
0.55%APY
Available for Traditional, Roth, and Educational IRA funds (SMI, SMR). Preauthorized, automatic, or telephone transfers not permitted. Tiered rate account where the rate for a balance tier applies to the full balance once met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Rate applies to the full balance of the account once tier range is met. | 0.55% | $55 | Rate applies to the full balance of the account once tier range is met. |
| $25,000 – $100,000Rate applies to the full balance of the account once tier range is met. | 0.65% | — | Rate applies to the full balance of the account once tier range is met. |
| $100,000 – $250,000Rate applies to the full balance of the account once tier range is met. | 0.75% | — | Rate applies to the full balance of the account once tier range is met. |
| $250,000 and upRate applies to the full balance of the account once tier range is met. | 1.15% | — | Rate applies to the full balance of the account once tier range is met. |
Sources (3)
- myconsumers.org/checking-and-s…savings-accounts/savings
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/rates
All captured Oct 7, 2026
Holiday Club Savings
0.25%APY
Funds transfer to Membership Share Savings on or after November 1st each year. Account automatically renews. If funds are withdrawn prior to November 1, the account will be closed.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceCompounded and credited monthly. Account withdrawal limitations apply. · $0 to open | 0.25% | $0 | $25 | Compounded and credited monthly. Account withdrawal limitations apply. |
| Over $0$5 to open | 0.25% | $5 | $25 |
Sources (3)
- myconsumers.org/checking-and-s…savings-accounts/savings
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/rates
All captured Oct 7, 2026
IRA Savings
0.25%APY
Available for Traditional, Roth, and Educational (Coverdell) IRAs. Preauthorized, automatic, or telephone transfers from account are not permitted.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceCompounded and credited monthly. Account transfer limitations apply. · $0 to open | 0.25% | $0 | $25 | Compounded and credited monthly. Account transfer limitations apply. |
| Over $0$10 to open | 0.25% | $10 | $25 |
Sources (3)
- myconsumers.org/checking-and-s…savings-accounts/savings
- myconsumers.org/docs/default-s…_product_disclosures.pdf
- myconsumers.org/rates
All captured Oct 7, 2026
Who can join Consumers Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join Consumers Credit Union by joining the Consumers Cooperative Association.
Cost to join
- Joining the Consumers Cooperative Association requires a one-time $5.00 membership fee, which CCU reimburses (reimbursement does not apply to indirect members and those who join to refinance a loan).
Membership information collected October 5, 2026.