Credit union · NCUA insured
Haynes Community FCU Savings Rates
Top CarrotHaynes Community FCU’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Haynes Community FCU’s savings rates compare
Compared with banks and credit unions near Kokomo, IN, where Haynes Community FCU has the most branches. $10,000, best rate first.
This credit union’s best
Haynes Community FCU
1.00%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Horizon Bank
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
First Farmers Bank & Trust
2.70%APY
- Minimum
- —
- Earns on $10,000 a year
- $270
Haynes Community FCU savings score
84
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.00%
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 Haynes Community FCU 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 Account
1.00%APY
Minimum balance $5,000.00. Minimum withdrawal $500.00. Maximum 6 withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $25,000 | 1.00% | $100 |
| $25,001 – $50,000 | 1.30% | — |
| $50,001 and up | 2.00% | — |
Regular Share Accounts (Savings)
0.15%APY
Must live, work, worship, or attend school in Howard or Tipton Counties. Dividends compounded daily and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded daily and paid quarterly.$5 and up | 0.15% | $15 | Dividends compounded daily and paid quarterly. |
Reserve Shares
0.15%APY
Dividends credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited quarterly.Any balance | 0.15% | $15 | Dividends credited quarterly. |
Sources (1)
- haynesfcu.org/savings-rates · captured Sep 18, 2026
Special-purpose accounts
IRA Shares
1.50%APY
Available as Traditional IRAs or Roth IRAs. Dividends credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends credited quarterly.$100 and up | 1.50% | $150 | Dividends credited quarterly. |
Christmas Club
0.15%APY
Funds are automatically transferred to regular savings in October. Interest is paid quarterly on the average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds automatically transferred to savings account in October. Interest paid quarterly on average daily balance.Any balance | 0.15% | $15 | Funds automatically transferred to savings account in October. Interest paid quarterly on average daily balance. |
Vacation Club Account
0.15%APY
Interest is paid quarterly on the average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest paid quarterly on the average daily balance.Any balance | 0.15% | $15 | Interest paid quarterly on the average daily balance. |
Who can join Haynes Community FCU
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, work, worship, or attend school in Howard County.
- Membership is open to individuals who live, work, worship, or attend school in Tipton County.
Family and household
- Membership is open to family members of existing Haynes Community members.
Membership information collected October 5, 2026.