Credit union · NCUA insured
CrossRoads Financial Federal Credit Union Savings Rates
CrossRoads Financial Federal Credit Union’s best savings rate is 1.26% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How CrossRoads Financial Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Muncie, IN, where CrossRoads Financial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CrossRoads Financial Federal Credit Union
1.26%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $126
Money Market Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Thrive Credit Union
1.66%APY
- Minimum
- —
- Earns on $10,000 a year
- $166
CrossRoads Financial Federal Credit Union savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.26%
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 CrossRoads Financial 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.
Money Market Account
1.26%APY
Withdrawals allowed up to three times per month. Rates may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.50% | — |
| $10,000 and up | 1.26% | $126 |
Sources (2)
All captured Sep 18, 2026
Regular Savings
0.05%APY
A membership deposit of $5 is required to open a Regular Savings Account. Accounts with balances of $100 and over earn interest/dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100. Rates may change after the account is opened.$100 and up | 0.05% | $5 | Minimum balance to earn dividends is $100. Rates may change after the account is opened. |
Sources (2)
All captured Sep 18, 2026
Round-Up Savings
0.05%APY
Rounds up each debit card transaction to the next whole dollar amount and transfers the excess amount from checking to savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires checking account and debit card. Rates may change after the account is opened.Any balance | 0.05% | $5 | Requires checking account and debit card. Rates may change after the account is opened. |
Sources (2)
All captured Sep 18, 2026
Special Savings
0.05%APY
Can be opened under the same account number as the Regular Savings. No minimum balance is required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100. Rates may change after the account is opened.$100 and up | 0.05% | $5 | Minimum balance to earn dividends is $100. Rates may change after the account is opened. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club
0.05%APY
Deposits can be made in any amount throughout the year. Funds earn dividends and are transferred to Regular Savings account the first week of November each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after the account is opened.Any balance | 0.05% | $5 | Rates may change after the account is opened. |
Sources (2)
All captured Sep 18, 2026
IRA Savings
0.05%APY
Available as Traditional, Roth, or Coverdell Savings Account. No minimum balance is required for an IRA Savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after the account is opened.Any balance | 0.05% | $5 | Rates may change after the account is opened. |
Sources (1)
- crossroadsfcu.org/accounts/iras · captured Sep 18, 2026
LifeSaver Kids Club
0.05%APY
Members age 18 and under are eligible. Opened with a $5 minimum balance and always earns interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after the account is opened.Any balance | 0.05% | $5 | Rates may change after the account is opened. |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.05%APY
Members may withdraw from this account at any time without penalty. No minimum balance is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after the account is opened.Any balance | 0.05% | $5 | Rates may change after the account is opened. |
Sources (2)
All captured Sep 18, 2026
Who can join CrossRoads Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or volunteers in Adams, Blackford, Delaware, Jay, Randolph, or Wells County in Indiana, or Darke, Mercer, or Van Wert County in Ohio.
Family and household
- Membership is open to individuals who have an immediate family member with an account at CrossRoads.
Cost to join
- A $5 deposit into a savings account is required to secure membership and establish ownership at CrossRoads.
Membership information collected October 5, 2026.