Credit union · NCUA insured
First Trust Credit Union Savings Rates
First Trust Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market Plu$. Rates checked October 15, 2026.
How First Trust Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Trust Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Trust Credit Union
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
Money Market Plu$
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
First Trust Credit Union savings score
89
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Trust Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plu$
Up to 2.00%APY
Minimum balance of $2,500 must be maintained to earn dividends. Maximum of 6 withdrawals per month. A $10 monthly service fee applies if the account balance falls below $2,500 on the last day of the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upA $10 monthly service fee applies if the balance is below the $2,500 minimum balance on the last day of the month. Minimum balance of $2,500 required to earn dividends. | 1.75% | $175 | A $10 monthly service fee applies if the balance is below the $2,500 minimum balance on the last day of the month. Minimum balance of $2,500 required to earn dividends. |
| $10,000 and upA $10 monthly service fee applies if the balance is below the $2,500 minimum balance on the last day of the month. Minimum balance of $2,500 required to earn dividends. | 2.00% | $200 | A $10 monthly service fee applies if the balance is below the $2,500 minimum balance on the last day of the month. Minimum balance of $2,500 required to earn dividends. |
| $25,000 and upA $10 monthly service fee applies if the balance is below the $2,500 minimum balance on the last day of the month. Minimum balance of $2,500 required to earn dividends. | 2.25% | — | A $10 monthly service fee applies if the balance is below the $2,500 minimum balance on the last day of the month. Minimum balance of $2,500 required to earn dividends. |
| $50,000 and upA $10 monthly service fee applies if the balance is below the $2,500 minimum balance on the last day of the month. Minimum balance of $2,500 required to earn dividends. | 2.75% | — | A $10 monthly service fee applies if the balance is below the $2,500 minimum balance on the last day of the month. Minimum balance of $2,500 required to earn dividends. |
Rainy Day Shares
0.10%APY
Secondary savings account option designed for emergency funds.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Regular Shares
0.10%APY
Depositing a minimum of $25 into a Share Savings account establishes membership with First Trust Credit Union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Spare Change Share
0.10%APY
Secondary savings account option designed for emergency funds.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special-purpose accounts
Christmas Club
0.10%APY
Automatic Christmas Club fund transfers to Checking or Savings on October 15th. Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance | 0.10% | $10 | Dividends compounded quarterly. |
Vacation Club
0.10%APY
Automatic Vacation Club fund transfers on June 1st. Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly.Any balance | 0.10% | $10 | Dividends compounded quarterly. |
Who can join First Trust Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Indiana's La Porte, Porter, Jasper, Newton, or Pulaski Counties.
Employers and groups
- Eligibility is open to individuals who work for one of the credit union's Community Partners in La Porte, Porter, Jasper, Newton, Pulaski, Starke, or White Counties.
Family and household
- Eligibility is open to individuals with family members of the credit union, defined as parents, children, spouse, siblings, grandparent, grandchildren, stepparents, stepchildren, stepsiblings, or adoptive relationships.
Membership information collected October 5, 2026.