Governmental Employees Credit Union Savings & Money Market Rates

How Governmental Employees Credit Union’s savings rates compare

Compared with banks and credit unions near Milwaukee, WI, where Governmental Employees Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Governmental Employees Credit Union
2.10%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$210
Elite Money Market Account
Top rate
Advia Credit Union
3.75%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$375
Advia Credit Union rates
2nd-highest rate
UMB Bank
3.71%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$371
UMB Bank rates

Compare savings rates near you →

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.50%
$10,000 balance$10,0002.10%
$100,000 balance$100,0002.40%
QualifiedQualified2.10%

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.

How the score works →

Where Governmental Employees 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.

Elite Money Market Account

2.10%APY$25 to open

No monthly maintenance fee with a daily balance of $2,500 or more; $10 monthly fee if balance falls below $2,500. $25 minimum deposit to open.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $9,999No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.	2.00%	—	No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.
$10,000 – $49,999No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.	2.10%	$210	No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.
$50,000 – $99,999No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.	2.20%	—	No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.
$100,000 – $249,999No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.	2.40%	—	No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.
$250,000 and upNo monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.	2.50%	—	No monthly maintenance fee with a daily balance of $2,500 or more; $10 fee applies if balance falls below $2,500.

Sources (3)

All captured Oct 5, 2026

Basic Savings

0.10%APY$5 to open

Also referred to as Personal Savings Account. Establishes credit union membership ($5 minimum deposit to open, $5 minimum daily balance to maintain membership). No monthly maintenance fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $5,000	0.10%	—
$5,000 and up	0.10%	$10

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

Health Savings Account (HSA)

0.75%APYHSA

Most adults under 65 covered by an HDHP and not enrolled in Medicare qualify. No minimum deposit to open, no monthly service fees, and no minimum balance requirements.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Applies to balances Under $25,000.	0.75%	$75	Applies to balances Under $25,000.
$25,000 and upApplies to balances $25,000 and Over.	1.50%	—	Applies to balances $25,000 and Over.

Sources (3)

All captured Oct 5, 2026

Christmas Club

0.50%APYClub

No minimum deposit to open, no monthly maintenance fee, and no minimum balance required. Subject to a $5 early withdrawal fee. Funds released in time for holiday shopping.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (3)

All captured Oct 5, 2026

Coverdell ESA (Educational Savings Account)

0.50%APYIRA

Tax-advantaged savings account with specific contribution, distribution & withdrawal limits and restrictions as well as tax implications.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (1)

gecuwi.com/services-tools/tools/rates.html · captured Oct 5, 2026

IRA Savings Account

0.50%APYIRA

Traditional and Roth options available. No setup fees, no monthly maintenance fees or annual fees, and no minimum deposit to open.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.50%	$50

Sources (3)

All captured Oct 5, 2026

Saver's Sweepstakes Account

0.10%APYAge limits

Must live in Wisconsin, Minnesota or Illinois to open and maintain an account. Minors are eligible with guardian permission. $25.00 minimum balance. Each $25 increase in balance earns one entry into monthly, quarterly, and annual prize drawings (limit 6 entries per month).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Applies up to $2,500.	0.50%	—	Applies up to $2,500.
$2,500 and upApplies over / $2,500 & Up.	0.10%	$10	Applies over / $2,500 & Up.

Sources (3)

All captured Oct 5, 2026

Who can join Governmental Employees 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 individuals who live in La Crosse County.
Membership is open to individuals who work in La Crosse County.

Military, government and schools

Membership is open to any Federal, State, or City Government Employee.

Family and household

Membership is open to direct relatives (parent, sibling, child) of someone who qualifies.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Governmental Employees Credit Union overview

How Governmental Employees Credit Union’s savings rates compare

Governmental Employees Credit Union savings score

Current savings rates

Elite Money Market Account

Basic Savings

Special-purpose accounts

Health Savings Account (HSA)

Christmas Club

Coverdell ESA (Educational Savings Account)

IRA Savings Account

Saver's Sweepstakes Account

Who can join Governmental Employees Credit Union

Where you live or work

Military, government and schools

Family and household