Credit union · NCUA insured
Financial Builders Savings Rates
Financial Builders’s best savings rate is 0.97% APY on $10,000, with its SafeChoice Money Market. Rates checked October 15, 2026.
How Financial Builders’s savings rates compare
Compared with banks and credit unions near Kokomo, IN, where Financial Builders has the most branches. $10,000, best rate first.
This credit union’s best
Financial Builders
2.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $225
Kasasa Saver
Top rate
Horizon Bank
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
First Farmers Bank & Trust
2.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $270
Financial Builders savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.97%
- $100,000 balance$100,0001.60%
- QualifiedQualified2.25%
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 Financial Builders 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.
Kasasa Saver
Up to 2.25%APY
Links to free Kasasa Cash or Kasasa Cash Back checking. Requires qualifying transactions in linked Kasasa Cash or Kasasa Cash Back during Monthly Qualification Cycle: at least 1 direct deposit or ACH payment transaction and at least 15 debit card purchases. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000When qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking during Monthly Qualification Cycle. | 2.25% | $225 | When qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking during Monthly Qualification Cycle. |
| Any balanceBase rate applied to entire balance if qualifications are not met in linked Kasasa Cash or Kasasa Cash Back checking. | 0.05% | $5 | Base rate applied to entire balance if qualifications are not met in linked Kasasa Cash or Kasasa Cash Back checking. |
| $100,000 and upEarns 0.50% dividend rate on portion of balance over $100,000 when qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking, resulting in APY ranging from 0.50% to 2.25% depending on balance. | 0.50% | — | Earns 0.50% dividend rate on portion of balance over $100,000 when qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking, resulting in APY ranging from 0.50% to 2.25% depending on balance. |
SafeChoice Money Market
0.97%APY
Dividends compounded monthly. Tiered rates apply on balances of $6,500 or more.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $6,500 – $24,999 | 0.97% | $97 |
| $25,000 – $49,999 | 1.28% | — |
| $50,000 and up | 1.60% | — |
Regular Savings
0.10%APY
Establishes membership with the credit union. No minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.38%APY
Offers Traditional and Roth IRA options. No setup fees or monthly/annual maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.38% | $138 |
Health Savings Account (HSA)
0.90%APY
No minimum balance requirements and no monthly service fees. Balances roll over year after year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.90% | $90 |
Christmas Club
0.30%APY
Save year-round for holiday expenses. Funds automatically released via check or deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.20%APY
Save year-round for vacation expenses. Funds automatically released via check or deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Sep 18, 2026
Who can join Financial Builders
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 everyone who lives, works, or worships in Howard, Tipton, White, Carroll, Clinton, Cass, or Miami Counties.
Cost to join
- A deposit of $5 into a savings account is required to become a member.
Membership information collected October 5, 2026.