Credit union · NCUA insured
ILWU Credit Union Savings Rates
ILWU Credit Union’s best savings rate is 4.00% APY on $10,000, with its 2028 Contract Security Account. Rates checked October 16, 2026.
How ILWU Credit Union’s savings rates compare
Compared with banks and credit unions near Los Angeles, CA, where ILWU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ILWU Credit Union
0.35%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $35
Safe Harbor Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
ILWU Credit Union savings score
73
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.55%
- QualifiedQualified0.35%
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 ILWU 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.
2028 Contract Security Account
Up to 4.00%APY
Direct deposit is required (minimum $25/week, maximum $300/week; additional deposits not accepted, except catch-up deposits up to $18,000 in first 90 days). Maximum 3 withdrawals allowed during term; exceeding 3 withdrawals results in account closure. Matures 6/30/2028.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate period through 12/31/2024 based on simple interest. Dividends paid annually. Matures 6/30/2028.Any balance | 4.00% | $400 | Rate period through 12/31/2024 based on simple interest. Dividends paid annually. Matures 6/30/2028. |
| Any balanceRate period from January 1, 2025 through maturity on 6/30/2028. Dividends paid annually.Any balance | 2.03% | $203 | Rate period from January 1, 2025 through maturity on 6/30/2028. Dividends paid annually. |
Sources (1)
- ilwucu.org/accounts/Contract_Security · captured Sep 16, 2026
Safe Harbor Money Market Account
Up to 0.35%APY
Tiered dividend rates based on balance. No early withdrawal penalty; free withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upSafe Harbor - Tier One | 0.10% | $10 | Safe Harbor - Tier One |
| $5,000 and upSafe Harbor - Tier Two | 0.35% | $35 | Safe Harbor - Tier Two |
| $25,000 and upSafe Harbor - Tier Three | 0.40% | — | Safe Harbor - Tier Three |
| $50,000 and upSafe Harbor - Tier Four | 0.45% | — | Safe Harbor - Tier Four |
| $100,000 and upSafe Harbor - Tier Five | 0.55% | — | Safe Harbor - Tier Five |
| $250,000 and upSafe Harbor - Tier Six | 0.65% | — | Safe Harbor - Tier Six |
Sources (2)
All captured Sep 16, 2026
Savings Account
0.05%APY
A savings account is required to establish ILWU Credit Union membership. Dividends accrue daily and are paid quarterly. Minimum balance of $250 required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum balance of $250.00 required to earn dividends.$250 and up | 0.05% | $5 | Minimum balance of $250.00 required to earn dividends. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Captain's Club (Children's Savings)
0.05%APY
ILWU Credit Union members can sponsor children, nieces, nephews, and grandchildren to open an account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarns dividends on all deposits with no minimum balance required to earn dividends once opened.$5 and up | 0.05% | $5 | Earns dividends on all deposits with no minimum balance required to earn dividends once opened. |
Sources (2)
All captured Sep 16, 2026
Holiday Club
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (1)
- ilwucu.org/rates/money_market_and_club_account · captured Sep 16, 2026
Who can join ILWU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the ILWU Alaska Locals 200 and 2201 are eligible for membership.
- Members of the ILWU Alaska Longshore Division are eligible for membership.
- Members of the Inlandboatman’s Union (IBU) - Marine Division of the ILWU are eligible for membership.
- Anyone who is a member of the ILWU in California is eligible for membership.
- Members and employees of Portland Industrial Workers of the World are eligible for membership.
- Members of ILWU Local 142 are eligible for membership.
4 more ways to join
Employers and groups
- Class A and Class B members and employees of Locals 5, 8, 28, 40, and 92 of the ILWU in Portland, Oregon, who work for PMA are eligible for membership.
- Members and employees of S.M.A.R.T. (Sheet Metals, Air, Rail, Transportation) are eligible for membership.
Family and household
- Immediate family members (grandparents, parents, spouse, domestic partners, children, grandchildren, siblings, aunts, uncles, nieces and nephews) of qualifying ILWU members are eligible for membership.
- Immediate family members (grandparents, parents, spouse, domestic partners, children, grandchildren, siblings, aunts, uncles, nieces and nephews) of qualifying Portland union group members are eligible for membership.
Cost to join
- A $5 minimum opening deposit is required for an ILWU Credit Union Savings Account.
- A $1 membership fee is required to join.
Membership information collected October 5, 2026.