Credit union · NCUA insured
IH Mississippi Valley Credit Union Savings Rates
Top CarrotIH Mississippi Valley Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Savings. Rates checked October 16, 2026.
How IH Mississippi Valley Credit Union’s savings rates compare
Compared with banks and credit unions near Davenport, IA-IL, where IH Mississippi Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IH Mississippi Valley Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $2,500
- Earns on $10,000 a year
- $200
Mega Money Market
Top rate
Central Bank Illinois
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Vibrant Credit Union
3.38%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $338
IH Mississippi Valley Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.15%
- QualifiedQualified2.00%
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 IH Mississippi Valley 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.
Mega Money Market
Up to 2.00%APY
Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. $18 monthly fee if balance drops below $2,500. Limit of 6 transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. | 2.00% | $200 | Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. |
| Any balanceNon-qualifying rate if qualifying requirements are not met. | 0.05% | $5 | Non-qualifying rate if qualifying requirements are not met. |
| $2,500 – $10,000Tier 6. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. | 0.25% | — | Tier 6. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. |
| $10,000 – $50,000Tier 5. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. | 0.70% | $70 | Tier 5. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. |
| $15,000 – $50,000Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. | 3.00% | — | Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. |
| $50,000 – $100,000Tier 4. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. | 0.75% | — | Tier 4. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. |
| $50,000 – $100,000Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. | 3.50% | — | Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. |
| $100,000 – $250,000Tier 3. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. | 0.85% | — | Tier 3. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. |
| Over $100,000Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. | 4.00% | — | Qualifying rate. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address. |
| $250,000 – $500,000Tier 2. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. | 1.05% | — | Tier 2. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. |
| $500,000 and upTier 1. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. | 1.05% | — | Tier 1. $2,500 minimum balance required to earn dividends. No commercial or institutional funds permitted. |
Sources (2)
All captured Oct 6, 2026
SavingsBooster
Up to 2.00%APY
Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. Must meet average daily balance requirements ($5 increase over previous month's balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate, otherwise non-qualifying rate applies. Unlimited withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Qualifying rate on balance tier $0 - $15,000.00 with $5 average daily balance increase over previous month (excluding dividends) and eStatements. | 2.00% | $200 | Qualifying rate on balance tier $0 - $15,000.00 with $5 average daily balance increase over previous month (excluding dividends) and eStatements. |
| Any balanceNon-qualifying rate applied when monthly qualifications are not met. No minimum balance required. | 0.05% | $5 | Non-qualifying rate applied when monthly qualifications are not met. No minimum balance required. |
| $15,000 – $50,000Qualifying rate on balance tier $15,000.01 - $50,000.00 with $5 average daily balance increase over previous month (excluding dividends) and eStatements. | 3.00% | — | Qualifying rate on balance tier $15,000.01 - $50,000.00 with $5 average daily balance increase over previous month (excluding dividends) and eStatements. |
| $50,000 – $100,000Qualifying rate on balance tier $50,000.01 - $100,000.00 with $5 average daily balance increase over previous month (excluding dividends) and eStatements. | 3.50% | — | Qualifying rate on balance tier $50,000.01 - $100,000.00 with $5 average daily balance increase over previous month (excluding dividends) and eStatements. |
| Over $100,000Qualifying rate on balance tier $100,000.01 and above with $5 average daily balance increase over previous month (excluding dividends) and eStatements. | 4.00% | — | Qualifying rate on balance tier $100,000.01 and above with $5 average daily balance increase over previous month (excluding dividends) and eStatements. |
Sources (3)
- ihmvcu.org/banking/spend-save/savings-cds
- ihmvcu.org/banking/spend-save/savings-cds/savingsbooster
- ihmvcu.org/misc/rates
All captured Oct 6, 2026
Regular Savings
0.10%APY
Member savings account required to establish membership. Retail accounts only. $25 minimum balance required to earn dividends. Unlimited withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier 3. $25 minimum balance required to earn dividends. | 0.05% | — | Tier 3. $25 minimum balance required to earn dividends. |
| $2,500 – $25,000Tier 2. $25 minimum balance required to earn dividends. | 0.10% | $10 | Tier 2. $25 minimum balance required to earn dividends. |
| $25,000 and upTier 1. $25 minimum balance required to earn dividends. | 0.15% | — | Tier 1. $25 minimum balance required to earn dividends. |
Sources (3)
- ihmvcu.org/banking/spend-save/savings-cds
- ihmvcu.org/banking/spend-save/…ings-cds/regular-savings
- ihmvcu.org/misc/rates
All captured Oct 6, 2026
Special-purpose accounts
Balance Builder Junior Savers
Up to 0.10%APY
Only minors under the age of 18 are eligible. Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership. Must meet average daily balance requirements ($1 increase over previous month's balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate on balances up to $2,500, otherwise non-qualifying rate applies. Balances over $2,500 earn regular savings rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Qualifying rate. Requires $1 average daily balance increase over previous month's balance (excluding dividends) and eStatements. | 3.00% | — | Qualifying rate. Requires $1 average daily balance increase over previous month's balance (excluding dividends) and eStatements. |
| Any balanceNon-qualifying rate applied when monthly qualifications are not met. No minimum balance required. | 0.05% | $5 | Non-qualifying rate applied when monthly qualifications are not met. No minimum balance required. |
| $2,500 – $25,000Balances over $2,500 earn regular savings rate. Rate schedule lists blend/tier APY range 0.39% - 3.00% with dividend rate 0.10%. | 0.10% | $10 | Balances over $2,500 earn regular savings rate. Rate schedule lists blend/tier APY range 0.39% - 3.00% with dividend rate 0.10%. |
| $25,000 and upBalances over $2,500 earn regular savings rate. Rate schedule lists blend/tier APY range 0.21% - 0.39% with dividend rate 0.15%. | 0.15% | — | Balances over $2,500 earn regular savings rate. Rate schedule lists blend/tier APY range 0.21% - 0.39% with dividend rate 0.15%. |
IRA Mega Money Market
0.70%APY
$500 deposit required to open this account. $2,500 minimum balance required to earn dividends. There may be a penalty for early withdrawal. Retail accounts only, no commercial or institutional funds permitted.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Tier 6. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. | 0.25% | — | Tier 6. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. |
| $10,000 – $49,999Tier 5. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. | 0.70% | $70 | Tier 5. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. |
| $50,000 – $100,000Tier 4. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. | 0.75% | — | Tier 4. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. |
| $100,000 – $250,000Tier 3. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. | 0.85% | — | Tier 3. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. |
| $250,000 – $500,000Tier 2. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. | 1.05% | — | Tier 2. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. |
| $500,000 and upTier 1. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. | 1.05% | — | Tier 1. $500 deposit required to open this account. $2,500 minimum balance required to earn dividends. Penalty for early withdrawal may apply. |
Sources (1)
- ihmvcu.org/misc/rates · captured Oct 6, 2026
Health Savings Account
0.20%APY
Must have coverage under an HSA-qualified high-deductible health plan (HDHP), no other first-dollar medical coverage, not enrolled in Medicare, not claimed as a dependent on someone else's tax return, and have not received VA medical benefits in the previous 3 months. Unlimited withdrawals for qualified medical expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 0.20% | $20 | No minimum balance required. |
Who can join IH Mississippi Valley 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 any person living or working in the 49-county service area across Illinois and Iowa.
Family and household
- Membership is open to families of persons living or working in the 49-county service area.
Other ways
- Individuals who live or work in Iowa or Illinois outside the 49-county service area can become eligible by making a $10 donation to the Dream Education Foundation (DEF).
Cost to join
- A $10 donation to the Dream Education Foundation (DEF) is required for the out-of-service-area Iowa/Illinois membership route.
Membership information collected October 5, 2026.