Credit union · NCUA insured
Independent Federal Credit Union Savings Rates
Independent Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Independent Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Indianapolis, IN, where Independent Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Independent Federal Credit Union
0.15%APY
- Minimum
- —
- Earns on $10,000 a year
- $15
Money Market
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Independent Federal Credit Union savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.15%
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 Independent Federal 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
0.15%APY
Fees may reduce earnings. Penalty will, or may, be imposed for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $9,999 | 0.10% | — |
| $10,000 – $24,999 | 0.15% | $15 |
| $25,000 – $49,999 | 0.20% | — |
| $50,000 and up | 0.30% | — |
Sources (1)
- independentfcu.org/rates · captured Sep 18, 2026
Who can join Independent Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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, attends school, or participates in programs to alleviate poverty or distress in Madison, Delaware, Henry, Hancock, or Hamilton Counties is eligible for membership.
Cost to join
- Membership requires opening an account with a $5 share deposit.
Membership information collected October 5, 2026.