Credit Union of America High-Yield Savings & Money Market Rates

How Credit Union of America’s savings rates compare

Compared with banks and credit unions near Wichita, KS, where Credit Union of America has the most branches. $10,000, best rate first.

This credit union’s best
Credit Union of America
3.25%APY
Minimum
$100
Earns on $10,000 a year
$325
High-Yield Savings Account
Top rate
UMB Bank
3.71%APY
Minimum
—
Earns on $10,000 a year
$371
UMB Bank rates
2nd-highest rate
Capitol Federal
3.70%APY
Minimum
$100
Earns on $10,000 a year
$370
Capitol Federal rates

Compare savings rates near you →

Savings score

Higher than 97% of U.S. banks and credit unions

By balance

$1,000 balance$1,0003.25%
$10,000 balance$10,0003.25%
$100,000 balance$100,0002.00%
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.

How the score works →

Where Credit Union of America ranks

By savings score, in each area where it has branches

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Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

High-Yield Savings Account

3.25%APY$100 to open

Digital-only account opened and managed through online and mobile banking. Minimum $100 opening deposit. A $5.00 monthly fee applies if the month-end balance is less than $100 and there has been no account activity in over six months.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Dividends paid monthly. $5.00 monthly fee applies if month-end balance is less than $100 and no activity in over 6 months.	3.25%	$325	Dividends paid monthly. $5.00 monthly fee applies if month-end balance is less than $100 and no activity in over 6 months.
Over $50,000Dividends paid monthly. $5.00 monthly fee applies if month-end balance is less than $100 and no activity in over 6 months.	0.10%	—	Dividends paid monthly. $5.00 monthly fee applies if month-end balance is less than $100 and no activity in over 6 months.

Sources (2)

All captured Sep 18, 2026

Balance Boost Account

0.45%APYMoney market$100 to open

Interest is paid at tier rates on balances within each tier (blended rate). Total interest paid is the sum from each tier. Dividends paid monthly. No minimum balance requirement to earn interest.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.	3.00%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.
$2,500 – $5,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.	0.75%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.
$5,000 – $15,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.	0.45%	$45	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.
$15,000 – $25,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.	0.40%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.
$25,000 – $50,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.	0.35%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.
Over $50,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.	0.30%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.

Sources (3)

All captured Sep 18, 2026

Performance Plus Money Market

0.00%APY$25,000 to open

Minimum average daily balance of $25,000 must be maintained to earn dividends and waive the $5 monthly maintenance fee. Dividends paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.	0.00%	$0	Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.
$25,000 – $50,000Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.	0.75%	—	Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.
$50,000 – $75,000Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.	2.00%	—	Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.
$75,000 – $125,000Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.	2.00%	—	Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.
$125,000 – $250,000Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.	2.00%	—	Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.
$250,000 – $500,000Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.	3.00%	—	Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.
$500,000 and upMinimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.	3.00%	—	Minimum average daily balance of $25,000 must be maintained to earn dividends. $5 monthly maintenance fee waived with average daily balance of $25,000.

Sources (3)

All captured Sep 18, 2026

Regular Shares

0.10%APY$1 to open

Minimum $1.00 deposit to open (covered by CUA) and maintain membership. Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.00%	—	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
$100 – $2,500Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.05%	—	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
$2,500 and upAverage daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.10%	$10	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Sources (3)

All captured Sep 18, 2026

Special Purpose

0.10%APY$25 to open

Minimum $25 to open. Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.00%	—	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
$100 and upAverage daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.10%	$10	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Sources (3)

All captured Sep 18, 2026

Special-purpose accounts

Youth Balance Boost Account

0.45%APYMoney marketKids and teens$100 to open

Co-owner required for children under age 14. Interest is paid at tier rates on balances within each tier (blended rate). Total interest paid is the sum from each tier. Dividends paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.	3.00%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.
$2,500 – $5,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.	0.75%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.
$5,000 – $15,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.	0.45%	$45	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.
$15,000 – $25,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.	0.40%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.
$25,000 – $50,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.	0.35%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.
Over $50,000Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.	0.30%	—	Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly. Co-owner required for children under age 14.

Sources (3)

All captured Sep 18, 2026

Flexible IRA Savings & CESA

0.45%APYIRA

Includes Traditional, Roth, & SEP IRAs and CESAs. Can only be opened in branch. Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.00%	—	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
$100 – $5,000Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.20%	—	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
$5,000 – $10,000Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.35%	—	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
$10,000 and upAverage daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.45%	$45	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Sources (4)

All captured Sep 18, 2026

Holiday Club

0.10%APYClub$25 to open

Minimum $25 to open. Average daily balance of $25 must be maintained to earn dividends. Dividends paid monthly. Funds are transferred to Share Account during the first week of October.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upAverage daily balance of $25 must be maintained to earn dividends. Dividends paid monthly. Funds transferred to Share Account first week of October.$25 and up	0.10%	$10	Average daily balance of $25 must be maintained to earn dividends. Dividends paid monthly. Funds transferred to Share Account first week of October.

Sources (3)

All captured Sep 18, 2026

Youth Share Account

0.10%APYKids and teens$1 to open

Minimum $1.00 deposit covered by CUA. A parent or guardian must act as a co-owner for children under 14 years of age. Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.00%	—	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
$100 – $2,500Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.05%	—	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
$2,500 and upAverage daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.	0.10%	$10	Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.

Sources (3)

All captured Sep 18, 2026

Who can join Credit Union of America

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How Credit Union of America’s savings rates compare

Credit Union of America savings score

Current savings rates

High-Yield Savings Account

Balance Boost Account

Performance Plus Money Market

Regular Shares

Special Purpose

Special-purpose accounts

Youth Balance Boost Account

Flexible IRA Savings & CESA

Holiday Club

Youth Share Account

Who can join Credit Union of America