Credit union · NCUA insured
Impact Credit Union Savings Rates
Impact Credit Union’s best savings rate is 0.75% APY on $10,000, with its Insured Money Fund Account. Rates checked October 16, 2026.
How Impact Credit Union’s savings rates compare
Compared with banks and credit unions near Findlay, OH, where Impact Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Impact Credit Union
0.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $75
Insured Money Fund
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
The Union Bank Company
2.00%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $200
Impact Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0002.53%
- QualifiedQualified0.75%
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 Impact 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.
Insured Money Fund Account
0.75%APY
Minimum withdrawals of $500; Dividends compounded and paid monthly on a tiered structure; No minimum to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $15,000 | 0.75% | $75 |
| $15,000 – $50,000 | 1.76% | — |
| $50,000 and up | 2.53% | — |
Sources (1)
- impactcu.org/save/savings-accounts · captured Oct 6, 2026
Insured Money Fund
0.75%APY
Dividends earned on $2,000+. Deposit and withdrawal without penalties or fees. Minimum withdrawals of $500. Dividends calculated on Daily Balance method, compounded and paid monthly on a tiered structure. No minimum to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $15,000Tier $2,000-$14,999.99. Minimum balance to earn dividends is $2,000.00. Minimum withdrawals of $500. Dividends compounded and paid monthly. | 0.75% | $75 | Tier $2,000-$14,999.99. Minimum balance to earn dividends is $2,000.00. Minimum withdrawals of $500. Dividends compounded and paid monthly. |
| $15,000 – $50,000Tier $15,000-$49,999.99. Minimum balance to earn dividends is $2,000.00. Minimum withdrawals of $500. Dividends compounded and paid monthly. | 1.76% | — | Tier $15,000-$49,999.99. Minimum balance to earn dividends is $2,000.00. Minimum withdrawals of $500. Dividends compounded and paid monthly. |
| $50,000 and upTier $50,000 & up. Minimum balance to earn dividends is $2,000.00. Minimum withdrawals of $500. Dividends compounded and paid monthly. | 2.53% | — | Tier $50,000 & up. Minimum balance to earn dividends is $2,000.00. Minimum withdrawals of $500. Dividends compounded and paid monthly. |
Prime Share Savings
0.05%APY
Secures Impact Membership. Dividends calculated on Daily Balance method, compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.00. Dividends compounded and paid quarterly.$100 and up | 0.05% | $5 | Minimum balance to earn dividends is $100.00. Dividends compounded and paid quarterly. |
Special-purpose accounts
IRAs
0.10%APY
Traditional and Roth IRA options available. Flexible terms including IRA savings. No setup fee. No monthly or annual maintenance fees. Dividends calculated on Daily Balance method, compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to earn dividends is $1.00. No monthly or annual maintenance fees. $500 minimum deposit to open stated in IRA overview page; $0.00 minimum balance to open in rate schedule. Dividends compounded and paid quarterly.$1 and up | 0.10% | $10 | Minimum balance to earn dividends is $1.00. No monthly or annual maintenance fees. $500 minimum deposit to open stated in IRA overview page; $0.00 minimum balance to open in rate schedule. Dividends compounded and paid quarterly. |
Sources (3)
- impactcu.org/save/savings-accounts
- impactcu.org/save/individual-retirement-accounts
- impactcu.org/rates
All captured Oct 6, 2026
Young Members Club
0.10%APY
For members 17 and under. Free gift upon opening. $5 initial deposit into primary savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upFor members 17 and under. $1.00 minimum balance to earn dividends in rate schedule (overview states dividends earned on any balance). No monthly fee. Dividends compounded and paid quarterly.$1 and up | 0.10% | $10 | For members 17 and under. $1.00 minimum balance to earn dividends in rate schedule (overview states dividends earned on any balance). No monthly fee. Dividends compounded and paid quarterly. |
Christmas & Vacation Club
0.05%APY
Vacation and Christmas club accounts. No monthly service fee. No minimum balance requirements. Dividends calculated on Daily Balance method, compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.00. No monthly service fees. Dividends compounded and paid quarterly.$100 and up | 0.05% | $5 | Minimum balance to earn dividends is $100.00. No monthly service fees. Dividends compounded and paid quarterly. |
Who can join Impact 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 individuals who live, work, worship, or attend school in Sandusky, Seneca, Hancock, and Wood counties.
Membership information collected October 5, 2026.