Credit union · NCUA insured
Decatur Earthmover Credit Union Savings Rates
Top CarrotDecatur Earthmover Credit Union’s best savings rate is 1.51% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Decatur Earthmover Credit Union’s savings rates compare
Compared with banks and credit unions near Decatur, IL, where Decatur Earthmover Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Decatur Earthmover Credit Union
1.51%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $151
Money Market
Top rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
2nd-highest rate
United Equity Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Decatur Earthmover Credit Union savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.12%
- QualifiedQualified1.51%
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 Decatur Earthmover 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
1.51%APY
Allows up to three checks per month with a minimum of $250 per check. Initial deposit to open is $1,000 and the minimum balance is $1,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $10,000 | 1.01% | — |
| $10,000 – $25,000 | 1.51% | $151 |
| $25,000 – $100,000 | 1.92% | — |
| $100,000 and up | 2.12% | — |
Sources (2)
All captured Oct 6, 2026
Savings
0.08%APY
$5 minimum balance. Overdraft transfers to checking are processed in $100 increments for a $4 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and declared monthly. Accounts closed prior to payment of dividends forfeit accrued dividends.Any balance | 0.08% | $8 | Dividends are compounded and declared monthly. Accounts closed prior to payment of dividends forfeit accrued dividends. |
Special-purpose accounts
IRAs
0.15%APY
Available as Traditional, Roth, and Coverdell Education IRAs. Guaranteed rate of return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and declared monthly. Accounts closed prior to payment of dividends forfeit accrued dividends.Any balance | 0.15% | $15 | Dividends are compounded and declared monthly. Accounts closed prior to payment of dividends forfeit accrued dividends. |
Christmas Club
0.10%APY
No withdrawals allowed during the year. On or around November 1st annually, the balance and dividends are transferred to regular savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid at the end of the last day of each month. Accounts closed before dividend payment forfeit accrued dividends.Any balance | 0.10% | $10 | Dividends are paid at the end of the last day of each month. Accounts closed before dividend payment forfeit accrued dividends. |
Sources (3)
All captured Oct 6, 2026
Vacation Club
0.10%APY
Allows up to four withdrawals per calendar year with no fee; each withdrawal beyond four incurs a $5.00 charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and declared monthly. Accounts closed prior to payment of dividends forfeit accrued dividends.Any balance | 0.10% | $10 | Dividends are compounded and declared monthly. Accounts closed prior to payment of dividends forfeit accrued dividends. |
Sources (2)
All captured Oct 6, 2026
Who can join Decatur Earthmover Credit Union
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