Credit union · NCUA insured
Encompass Credit Union Savings Rates
Encompass Credit Union’s best savings rate is 0.15% APY on $10,000, with its Regular Savings Account. Rates checked October 15, 2026.
How Encompass Credit Union’s savings rates compare
Compared with banks and credit unions near Frankfort, IN, where Encompass Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Encompass Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Regular Savings Account
Top rate
Industrial Federal Credit Union
1.01%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $101
2nd-highest rate
First Bank Richmond
0.25%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $25
Encompass Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 Encompass 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.
Regular Savings Account
0.15%APY
Primary savings required to establish and maintain Credit Union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDaily earned interest compounded and paid monthly. $5 minimum balance required to maintain membership.$5 and up | 0.15% | $15 | Daily earned interest compounded and paid monthly. $5 minimum balance required to maintain membership. |
Special-purpose accounts
Individual Retirement Accounts (IRA)
1.51%APY
A Regular Savings Account is required. Available as Traditional and Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA Regular Savings Account is required.Any balance | 1.51% | $151 | A Regular Savings Account is required. |
Christmas Club Account
0.15%APY
A Regular Savings Account is required. On November 1, funds are transferred into Regular Savings and account renews; subject to dividend forfeiture and closure for withdrawals prior to renewal date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA Regular Savings Account is required. Daily earned interest compounded and paid monthly.Any balance | 0.15% | $15 | A Regular Savings Account is required. Daily earned interest compounded and paid monthly. |
Vacation Club
0.15%APY
A Regular Savings Account is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA Regular Savings Account is required. Daily earned interest compounded and paid monthly.Any balance | 0.15% | $15 | A Regular Savings Account is required. Daily earned interest compounded and paid monthly. |
Who can join Encompass 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 any person who lives, works, attends school, or worships in Tipton, Clinton, or Howard County, Indiana.
Employers and groups
- Any business or organization in Tipton, Clinton, or Howard County, Indiana is eligible for membership, and employees of eligible businesses are also eligible.
Family and household
- Spouses, children, and parents of eligible persons are eligible for membership.
Other ways
- Members retain eligibility and benefits even if they move away.
Cost to join
- To become a member, opening a savings account with a minimum deposit of $5 is required.
Membership information collected October 5, 2026.