Credit union · Privately insured
IH Credit Union Savings Rates
IH Credit Union’s best savings rate is 0.60% APY on $10,000, with its Money Market Share Savings Account. Rates checked October 16, 2026.
How IH Credit Union’s savings rates compare
Compared with banks and credit unions near Springfield, OH, where IH Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IH Credit Union
0.60%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $60
Money Market Share Savings Account
Top rate
Pathways Financial Credit Union
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
NCF Savings Bank
3.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $325
IH Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.60%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0001.10%
- QualifiedQualified0.60%
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 IH 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 Share Savings Account
0.60%APY
Minimum initial deposit of $1,000 required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.60% | $60 |
| $25,000 – $50,000 | 0.95% | — |
| $50,000 – $150,000 | 1.10% | — |
| $150,000 – $500,000 | 1.61% | — |
| $500,000 and up | 2.79% | — |
Sources (3)
All captured Sep 17, 2026
Regular Share Savings Account
0.04%APY
Basic account required to retain membership in Credit Union. Interest is compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.04% | $4 |
Special-purpose accounts
IRA Savings Account
0.28%APY
Traditional, Roth, and Rollover IRA options available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.28% | $28 |
Christmas Club Share Savings Account
0.04%APY
Plan ahead for the Holiday season to save throughout the year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.04% | $4 |
Early Bird/Minor Savings
0.04%APY
For children under 18 with an adult joint owner (parent or legal guardian).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.04% | $4 |
Who can join IH Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Clark, Champaign, Greene, Logan, Madison, Miami, Montgomery, or Union County, Ohio qualifies for membership.
Employers and groups
- Residents of Ohio, Michigan, or West Virginia who do not qualify through the eight Ohio counties can qualify for membership by joining the American Consumer Council (ACC).
Membership information collected October 5, 2026.