Credit union · NCUA insured
Educators CU Savings Rates
Top CarrotEducators CU’s best savings rate is 1.00% APY on $10,000, with its Premium Money Market. Rates checked October 16, 2026.
How Educators CU’s savings rates compare
Compared with banks and credit unions near Milwaukee, WI, where Educators CU has the most branches. $10,000, best rate first.
This credit union’s best
Educators CU
1.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $100
Premium Money Market
Top rate
Advia Credit Union
3.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Educators CU savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.51%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.80%
- QualifiedQualified1.00%
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 Educators CU 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.
Premium Money Market
1.00%APY
Minimum to open account is $10,000. Account balance cannot drop below $10,000 (if it drops below $10,000, the share will be closed and money transferred).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $50,000Account balance cannot drop below $10,000. | 1.00% | $100 | Account balance cannot drop below $10,000. |
| $50,000 – $75,000 | 2.58% | — | |
| $75,000 – $100,000 | 2.67% | — | |
| $100,000 – $250,000 | 2.80% | — | |
| $250,000 and up | 3.00% | — |
Sources (1)
- ecu.com/personal-banking/savings · captured Oct 5, 2026
Change Up® Savings Account
0.51%APY
Must have a checking account and be signed up for eStatements to open. Rounds up non-PIN debit card purchases to the next dollar and saves the difference.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust have a checking account and be signed up for eStatements.Any balance | 0.51% | $51 | Must have a checking account and be signed up for eStatements. |
Sources (2)
All captured Oct 5, 2026
IBEW Savings
0.51%APY
Available only to IBEW members in Wisconsin and Michigan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upIBEW members in Wisconsin and Michigan only. Minimum amount of $100 is the minimum account balance to earn dividends/interest.$100 and up | 0.51% | $51 | IBEW members in Wisconsin and Michigan only. Minimum amount of $100 is the minimum account balance to earn dividends/interest. |
Sources (2)
All captured Oct 5, 2026
Saver's Sweepstakes®
0.20%APY
Prize-linked savings account open to Wisconsin, Illinois and Minnesota residents only. Fiduciary and business accounts are not eligible. Only one account per SSN. Members earn sweepstakes entries for every $25 saved month-over-month (up to 6 entries/month, 18/quarter, 72/year). Withdrawals and closing account impact entries.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpen to WI, IL, and MN residents only. Fiduciary and business accounts are not eligible.Any balance | 0.20% | $20 | Open to WI, IL, and MN residents only. Fiduciary and business accounts are not eligible. |
Sources (3)
- ecu.com/personal-banking/savings
- ecu.com/personal-banking/savings/sweepstakes
- ecu.com/files/ECU_RateSheet_Form_2026-09.pdf
All captured Oct 5, 2026
High Yield Money Market
0.11%APY
Regular account minimum deposit is $1,000. $10 monthly fee for daily balances below $1,000. Rates will not change until the next tier is reached.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance <$2,500. $10 fee per month for daily balances below $1,000. | 0.06% | — | Balance <$2,500. $10 fee per month for daily balances below $1,000. |
| $2,500 – $10,000Balance $2,500 to $9,999. $10 fee per month for daily balances below $1,000. | 0.08% | — | Balance $2,500 to $9,999. $10 fee per month for daily balances below $1,000. |
| $10,000 – $25,000$10 fee per month for daily balances below $1,000. | 0.11% | $11 | $10 fee per month for daily balances below $1,000. |
| $25,000 – $50,000$10 fee per month for daily balances below $1,000. | 0.14% | — | $10 fee per month for daily balances below $1,000. |
| $50,000 and up$10 fee per month for daily balances below $1,000. | 0.19% | — | $10 fee per month for daily balances below $1,000. |
Sources (1)
- ecu.com/personal-banking/savings · captured Oct 5, 2026
Prime Share Savings
0.06%APY
Represents one share and member-ownership in Educators Credit Union. Dividends are earned when balance is $100 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum amount of $100 is the minimum account balance to earn dividends/interest.$100 and up | 0.06% | $6 | Minimum amount of $100 is the minimum account balance to earn dividends/interest. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Premium Money Market (IRA)
1.00%APY
Minimum to open account is $10,000. Account balance cannot drop below $10,000 (if it drops below $10,000, the share will be closed and money transferred).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $50,000Account balance cannot drop below $10,000. | 1.00% | $100 | Account balance cannot drop below $10,000. |
| $50,000 – $75,000 | 2.58% | — | |
| $75,000 – $100,000 | 2.67% | — | |
| $100,000 – $250,000 | 2.80% | — | |
| $250,000 and up | 3.00% | — |
Sources (1)
- ecu.com/personal-banking/savings · captured Oct 5, 2026
Health Savings Account (HSA)
0.76%APY
Used to cover qualified medical expenses. No minimum balance requirement or annual fee, but has an initial $25 set-up fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAn HSA has a $25 set-up fee. $100 is the minimum balance to earn dividends/interest.$100 and up | 0.76% | $76 | An HSA has a $25 set-up fee. $100 is the minimum balance to earn dividends/interest. |
Sources (2)
All captured Oct 5, 2026
High Yield Money Market (IRA)
0.11%APY
IRA minimum deposit: $25. Rates will not change until the next tier is reached.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance <$2,500. | 0.06% | — | Balance <$2,500. |
| $2,500 – $10,000Balance $2,500 to $9,999. | 0.08% | — | Balance $2,500 to $9,999. |
| $10,000 – $25,000 | 0.11% | $11 | |
| $25,000 – $50,000 | 0.14% | — | |
| $50,000 and up | 0.19% | — |
Sources (1)
- ecu.com/personal-banking/savings · captured Oct 5, 2026
Special & Club Savings Accounts
0.06%APY
Can be set up for any purpose (Holiday, Summer Pay, Vacation Club Account, or custom special savings). No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upInterest/dividends earned when balance is $100 or more.$100 and up | 0.06% | $6 | Interest/dividends earned when balance is $100 or more. |
Sources (2)
All captured Oct 5, 2026
Who can join Educators CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to those who live or work in the Wisconsin counties of Dane, Green, Jefferson, Kenosha, Milwaukee, Ozaukee, Racine, Rock, Walworth, Washington, or Waukesha.
- Membership is available to those who live or work in the Illinois counties of Lake, Boone, McHenry, or Winnebago.
Cost to join
- A $5 refundable share deposit into a Prime Share Savings account is required to become a member-owner.
Membership information collected October 5, 2026.