Credit union · NCUA insured
Cooperative Choice Network Credit Union Savings Rates
Top CarrotCooperative Choice Network Credit Union’s best savings rate is 2.32% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Cooperative Choice Network Credit Union’s savings rates compare
Compared with banks and credit unions near Peoria, IL, where Cooperative Choice Network Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cooperative Choice Network Credit Union
2.32%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $232
Money Market
Top rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
2nd-highest rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
Cooperative Choice Network Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0002.63%
- QualifiedQualified1.01%
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 Cooperative Choice Network 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
2.32%APY
Rate applies to entire balance. Fees could reduce earnings on the account. Rate may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.01% | — |
| $2,500 – $25,000 | 2.32% | $232 |
| $25,000 – $50,000 | 2.43% | — |
| Over $50,000 | 2.63% | — |
Sources (1)
- ccncu.com/accounts/share-rates · captured Sep 17, 2026
Share Savings Account
1.01%APY
Membership in the credit union is established by depositing and maintaining at least $5.00 in this account. Dividends are compounded daily and paid monthly. Tiering Method A: pays on the full balance in the account the stated interest rate that corresponds to the applicable deposit tier.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.95% | — |
| $1,000 – $10,000 | 1.01% | $101 |
| Over $10,000 | 1.06% | — |
Sub-Share Savings Account
1.01%APY
Allows members to save for special events while earning the same dividends as the Share Savings Account. Requires no minimum balance. Not accessible through an ATM.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Earns the same dividends as the Share Savings Account. | 0.95% | — | Earns the same dividends as the Share Savings Account. |
| $1,000 – $10,000Earns the same dividends as the Share Savings Account. | 1.01% | $101 | Earns the same dividends as the Share Savings Account. |
| Over $10,000Earns the same dividends as the Share Savings Account. | 1.06% | — | Earns the same dividends as the Share Savings Account. |
Special-purpose accounts
Daily HSA
2.32%APY
Must participate in a high deductible health plan. Self-Coverage and Family Coverage plans are available. Maximum contributions for 2026 are $4,400 (Self) and $8,750 (Family). No fees associated with this account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.01% | — |
| $2,500 – $25,000 | 2.32% | $232 |
| $25,000 – $50,000 | 2.43% | — |
| Over $50,000 | 2.63% | — |
Daily IRA
2.32%APY
All IRA dividends are tax deferred. Credit union offers Traditional IRAs, Education IRAs, and Roth IRAs.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.01% | — |
| $2,500 – $25,000 | 2.32% | $232 |
| $25,000 – $50,000 | 2.43% | — |
| Over $50,000 | 2.63% | — |
Club Account
1.01%APY
Includes Christmas, Vacation and Tax Escrow accounts. Christmas Club Accounts earn monthly interest and are paid out once a year in October. Vacation Club and Tax Escrow Accounts can be accessed anytime without penalty. Closing the account or making an early withdrawal will result in a $5 penalty fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.95% | — |
| $1,000 – $10,000 | 1.01% | $101 |
| Over $10,000 | 1.06% | — |
Who can join Cooperative Choice Network Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Association of Illinois Electric and Telephone Cooperatives – All subsidiaries are eligible for membership.
- Employees of Ameren Illinois are eligible for membership.
- City Link employees are eligible for membership.
- Employees of OSF Corporate Office are eligible for membership.
- Employees of OSF Healthplans are eligible for membership.
- Employees of OSF Internal Medicine are eligible for membership.
30 more ways to join
Employers and groups
- Employees of OSF St. Francis Medical Center are eligible for membership.
- Employees of OSF St. Mary Medical Center are eligible for membership.
- Employees of OSF Healthcare Systems – All subsidiaries are eligible for membership.
- Employees of POINTCORE Construction are eligible for membership.
- Employees of St. Francis Inc. are eligible for membership.
- Employees of Toulon Healthcare Center are eligible for membership.
Military, government and schools
- Employees of the Bureau of Alcohol, Tobacco and Firearms are eligible for membership.
- Employees of U.S. District Courts are eligible for membership.
- Employees of the U.S. Department of Labor are eligible for membership.
- Employees of the United States Government in Peoria, Illinois (excluding Postal Service employees) are eligible for membership.
- Employees of the Federal Highway Administration are eligible for membership.
- Employees/students of Good Shepard Lutheran School are eligible for membership.
- Employees of the General Services Administration are eligible for membership.
- Employees of Hartsburg-Emden Community School District #21 are eligible for membership.
- Staff, students, and alumni of ICC are eligible for membership.
- Internal Revenue Service employees are eligible for membership.
- Employees of Low-Point Washburn School District #21 are eligible for membership.
- Employees of the U.S. Marshall Service are eligible for membership.
- All Mason County School District employees are eligible for membership.
- Employees of Midwest Central School District #191 are eligible for membership.
- Staff and students of Pekin High School are eligible for membership.
- All Peoria County School District employees are eligible for membership.
- Employees of the U.S. Small Business Administration are eligible for membership.
- Employees of the Social Security Administration are eligible for membership.
- All Tazewell County School District employees are eligible for membership.
- Employees of the United States Attorney's Office are eligible for membership.
- Employees of U.S. Department of Agriculture (Consolidated Farm Services, IL Agriculture Statistics Serv., Farm Serv. Agency) are eligible for membership.
- All Woodford County School District employees are eligible for membership.
Family and household
- Direct family members of existing account holders are eligible for membership, including spouses, parents (and step-parents/parents-in-law), siblings (and step-siblings/in-laws), children, grandparents, aunts, uncles, nieces, and nephews.
Other ways
- Members of Metamora St. Mary's Parish of Metamora, IL and St. Mary's of Lourdes Parish in Metamora, IL are eligible for membership.
Cost to join
- A $1.00 membership fee is required.
- A membership share of $5.00 par value is required.
Membership information collected October 5, 2026.