Credit union · NCUA insured
Hoosier United Credit Union Savings Rates
Hoosier United Credit Union’s best savings rate is 1.26% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Hoosier United Credit Union’s savings rates compare
Compared with banks and credit unions near Indianapolis, IN, where Hoosier United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hoosier United Credit Union
1.26%APY
- Minimum
- —
- Earns on $10,000 a year
- $126
Money Market
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Hoosier United Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.26%
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 Hoosier United 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.
High Yield Money Market
2.27%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50,001 and up | 2.27% | — |
Sources (1)
- hoosierunitedcu.com/accounts/rates · captured Oct 15, 2026
Money Market
1.26%APY
Up to 6 withdrawals allowed per month with no penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 1.26% | $126 |
Sources (2)
All captured Oct 15, 2026
Smart Start / Ultra Savings
0.15%APY
Minimum balance of $250.00. Withdrawals only allowed every 12 months with early withdrawal penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividends paid monthly. Withdrawals allowed only every 12 months.$250 and up | 0.15% | $15 | Dividends paid monthly. Withdrawals allowed only every 12 months. |
Sources (2)
All captured Oct 15, 2026
Share Savings
0.10%APY
A regular share savings is required for all members. $5.00 deposit establishes membership/share in the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid monthly.$5 and up | 0.10% | $10 | Dividends paid monthly. |
Sources (3)
- hoosierunitedcu.com/accounts/options
- hoosierunitedcu.com/accounts/types/share-savings
- hoosierunitedcu.com/accounts/rates
All captured Oct 15, 2026
Special Savings
0.10%APY
No minimum balance or deposits required. Withdrawals anytime.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.10% | $10 | Dividends paid monthly. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Kids Club Savings
0.35%APY
Primary account owner must be under 18 with a legal adult as joint owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance of $5.00 noted on account description page; $0.00 minimum balance to earn APY on rate schedule. Dividends paid monthly.Any balance | 0.35% | $35 | Minimum balance of $5.00 noted on account description page; $0.00 minimum balance to earn APY on rate schedule. Dividends paid monthly. |
Sources (2)
All captured Oct 15, 2026
Christmas Club
0.25%APY
No minimum balance or deposits required. Funds are issued November 1st. Early withdrawal penalties apply; withdrawals processed only at HUCU offices in Downtown Indianapolis.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.25% | $25 | Dividends paid monthly. |
Sources (2)
All captured Oct 15, 2026
Vacation Club
0.25%APY
Available to those set up through IBEW Local 481 Electrical Union, SMW Local 20 Sheet Metal Workers Union, or any member saving for vacation. No minimum balance or deposits required. No ATM access.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.25% | $25 | Dividends paid monthly. |
Sources (2)
All captured Oct 15, 2026
Who can join Hoosier United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone who joins the Cooperative Financial Association (CFA) by paying a $5 membership fee.
Employers and groups
- Membership is open to employees, members, and family members of Ag One Co-Op.
- Membership is open to employees, members, and family members of Balkamp.
- Membership is open to employees, members, and family members of Brehob Electric.
- Membership is open to employees, members, and family members of CountryMark.
- Membership is open to employees, members, and family members of Cranfill Advertising.
9 more ways to join
Employers and groups
- Membership is open to employees, members, and family members of Daniels Associates.
- Membership is open to employees, members, and family members of Flint Group.
- Membership is open to employees, members, and family members of Hoosier United Credit Union.
- Membership is open to Local IBEW 481 contractors, members, employees, and family members.
- Membership is open to employees, members, and family members of employees or members of Indiana Farm Bureau, Incorporated.
- Membership is open to employees, members, and family members of employees or members of Indiana Farm Bureau Insurance Company.
- Membership is open to employees, members, and family members of Maplehurst Bakery.
- Membership is open to SMART Local 20 contractors, members, employees, and family members.
Family and household
- Membership is open to family members or friends of an existing HUCU Member.
Cost to join
- A $5 membership fee to participate in Cooperative Financial Association (CFA) qualifies an applicant for membership.
Membership information collected October 5, 2026.