Credit union · NCUA insured
Credit Union 1 Savings Rates
Top CarrotCredit Union 1’s best savings rate is 2.00% APY on $10,000, with its High Yield Savings. Rates checked October 16, 2026.
How Credit Union 1’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Credit Union 1 has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union 1
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
High Yield Savings
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
Credit Union 1 savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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 Credit Union 1 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.
High Yield Savings
2.00%APY
Must be New Money not on deposit with Credit Union 1 within the last 12 months and transferred from a different financial institution. No CU1 to CU1 balance transfers permitted.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMust be New Money deposited into the account. No minimum deposit to open and no monthly maintenance fees. Minimum balance of $1 to earn dividends. Dividends paid on the last day of the month and compounded monthly.$1 and up | 2.00% | $200 | Must be New Money deposited into the account. No minimum deposit to open and no monthly maintenance fees. Minimum balance of $1 to earn dividends. Dividends paid on the last day of the month and compounded monthly. |
Sources (3)
All captured Oct 16, 2026
Money Market Account
0.05%APY
Dividends are calculated using Daily Balance, paid on the last day of the month, and compounded monthly. $10 fee if balance falls below the $2,500 minimum daily balance requirement. Checks, pre-authorized transfers, and phone transfers are limited to 6 items per month; unlimited in-person withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upRequires minimum balance of $2,500 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. | 0.05% | $5 | Requires minimum balance of $2,500 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. |
| $25,000 and upRequires minimum balance of $25,000 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. | 0.10% | — | Requires minimum balance of $25,000 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. |
| $50,000 and upRequires minimum balance of $50,000 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. | 0.20% | — | Requires minimum balance of $50,000 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. |
| $100,000 and upRequires minimum balance of $100,000 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. | 0.30% | — | Requires minimum balance of $100,000 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. |
| $250,000 and upRequires minimum balance of $250,000 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. | 0.40% | — | Requires minimum balance of $250,000 to earn dividends. Fee of $10 applies if balance falls below the $2,500 minimum daily balance requirement. |
Additional Savings
0.01%APY
Previously known as Christmas Club and Vacation Club; designed to set aside funds for larger purchases with withdrawals permitted at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to open is $0; minimum balance to earn dividends is $0.01. Dividends are paid on the last day of the month and compounded monthly.Over $0 | 0.01% | $1 | Minimum balance to open is $0; minimum balance to earn dividends is $0.01. Dividends are paid on the last day of the month and compounded monthly. |
Sources (3)
All captured Oct 16, 2026
Primary Savings
0.01%APY
Standard savings account required for Credit Union 1 membership. Members must maintain a minimum balance of $5 to maintain a share in CU1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance of $5 to open and to earn dividends. Dividends are paid on the last day of the month and compounded monthly.$5 and up | 0.01% | $1 | Minimum balance of $5 to open and to earn dividends. Dividends are paid on the last day of the month and compounded monthly. |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
Savings Education IRA
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.01% | $1 |
Savings IRA
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.01% | $1 |
Savings ROTH IRA
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.01% | $1 |
Closed to new customers
HSA Savings
0.60%APY
Health Savings Accounts (HSAs) are available to existing accountholders only. Credit Union 1 is not currently opening new HSAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upAvailable to existing accountholders only. Minimum balance to open is $0; minimum balance to earn dividends is $10. Dividends paid on the last day of the month and compound monthly.$10 and up | 0.60% | $60 | Available to existing accountholders only. Minimum balance to open is $0; minimum balance to earn dividends is $10. Dividends paid on the last day of the month and compound monthly. |
Sources (1)
- creditunion1.org/rates · captured Oct 16, 2026
Who can join Credit Union 1
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone not otherwise eligible can qualify for membership by making a $5 donation to the Credit Union 1 Educational Development Association (CU1EDA).
Cost to join
- An initial account deposit of $5 is required.
- A $5 donation to the Credit Union 1 Educational Development Association (CU1EDA) is required when joining via CU1EDA.
- A one-time $5 membership fee is required.
Membership information collected October 5, 2026.