Credit union · NCUA insured
IAA Credit Union Savings Rates
Top CarrotIAA Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How IAA Credit Union’s savings rates compare
Compared with banks and credit unions near Bloomington, IL, where IAA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IAA Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Premier Savings (2nd Quarter 2026)
Top rate
State Farm Federal Credit Union
4.08%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $408
3rd-highest rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
IAA Credit Union savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0001.61%
- QualifiedQualified4.00%
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 IAA 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.
Premier Savings (2nd Quarter 2026)
4.00%APY
No fees to open or maintain. Limit of one Premier Savings account per membership. Not open to business membership. Interest is paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Rate applied on balances up to $20,000. | 4.00% | $400 | Rate applied on balances up to $20,000. |
| $20,000 and upRate applied on balances > $20,000. | 0.25% | — | Rate applied on balances > $20,000. |
Sources (3)
- iaacu.org/about-us/deposit-rates
- iaacu.org/accounts/savings
- iaacu.org/accounts/savings/premier-savings
All captured Oct 6, 2026
Platinum Money Market
1.41%APY
Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $5,000Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. | 0.70% | — | Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. |
| $5,000 – $15,000Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. | 1.41% | $141 | Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. |
| $15,000 – $25,000Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. | 1.61% | — | Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. |
| $25,000 – $50,000Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. | 2.02% | — | Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. |
| $50,000 and upRequires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. | 2.43% | — | Requires a Platinum or Elite Checking account and maintaining a monthly direct deposit of your paycheck. If you do not meet these qualifications, you will receive the Money Market account dividend rate and annual percentage yield. |
Sources (2)
All captured Oct 16, 2026
Money Market
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $5,000 | 0.45% | — |
| $5,000 – $15,000 | 0.60% | $60 |
| $15,000 – $25,000 | 1.11% | — |
| $25,000 – $50,000 | 1.36% | — |
| $50,000 and up | 1.61% | — |
Sources (2)
All captured Oct 16, 2026
Share Savings (2nd Quarter 2026)
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- iaacu.org/about-us/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
Vacation Club (2nd Quarter 2026)
0.25%APY
Vacation Club accounts are distributed on April 1st. $15 fee assessed for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Rate applied to balances up to $5,000. | 3.70% | — | Rate applied to balances up to $5,000. |
| $5,000 and upRate applied to balances > $5,000. | 0.25% | $25 | Rate applied to balances > $5,000. |
Christmas Club (2nd Quarter 2026)
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Rate applies to balances up to $3,000. | 3.51% | — | Rate applies to balances up to $3,000. |
| $3,000 and upRate applies to balances > $3,000. | 0.25% | $25 | Rate applies to balances > $3,000. |
Sources (3)
All captured Oct 6, 2026
IRA Money Market
1.61%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance3rd Quarter 2026Any balance | 1.61% | $161 | 3rd Quarter 2026 |
Sources (1)
- iaacu.org/about-us/deposit-rates · captured Oct 16, 2026
HSA Checking
0.50%APY
Must be covered under a High-Deductible Health Plan (HDHP)
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be covered under a High-Deductible Health Plan (HDHP)Any balance | 0.50% | $50 | Must be covered under a High-Deductible Health Plan (HDHP) |
Sources (2)
All captured Oct 6, 2026
Who can join IAA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Illinois Farm of Companies including Illinois Farm Bureau, COUNTRY Financial, GROWMARK, and Prairie Farms are eligible for membership.
- Illinois Farm Bureau County Members are eligible for membership.
- COUNTRY Financial Policyholders are eligible for membership.
- GROWMARK Patrons are eligible for membership.
- Retirees from any of the qualifying groups are eligible for membership.
Family and household
- Relatives of current members are eligible for membership.
Membership information collected October 5, 2026.