Credit union · NCUA insured
ELCA Federal Credit Union Savings Rates
ELCA Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Membership Savings Account. Rates checked October 16, 2026.
How ELCA Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where ELCA Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ELCA Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $25
Membership Savings Account
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
ELCA Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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.
Where ELCA 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.
Membership Savings Account
0.25%APY
Become a member by opening with as little as $25 deposit and maintain a balance of at least $25 as ownership share.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Special-purpose accounts
Christmas Club Savings Account
0.50%APY · 1 term
Funds are automatically disbursed to Regular Savings Account the first week of November.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 0.50% | $151 |
Youth Savings Account
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAges 13-17 with parent/guardian joint owner. No maintenance fees.Any balance | 0.25% | $25 | Ages 13-17 with parent/guardian joint owner. No maintenance fees. |
Closed to new customers
High Yield Youth Savings Account
0.25%APY
Must be between the ages of 13-17 with a parent or legal guardian as a joint account owner and have an existing Youth Savings Account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Paid on the first $1,000 in the account. | 2.00% | — | Paid on the first $1,000 in the account. |
| $1,000 and upPaid on balances over $1,000. | 0.25% | $25 | Paid on balances over $1,000. |
Who can join ELCA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees, students, volunteers, clients, and other participants of ELCA-affiliated organizations.
- Membership is open to members and participants of ELCA congregations who worship, volunteer, or otherwise participate in ministry at any ELCA congregation.
- Membership is open to all ELCA congregations.
- Membership is open to ELCA ministries and ELCA-affiliated organizations.
- Membership is open to congregations and organizations of the United Church of Christ.
- Membership is open to members and participants of UCC congregations and organizations who worship, volunteer, donate, or otherwise participate in ministry at any congregation or organization of the United Church of Christ.
2 more ways to join
Employers and groups
- Membership is extended to Workplace Banking partners.
Family and household
- Membership is open to immediate family members of current ELCA FCU members.
Membership information collected October 5, 2026.