Credit union · NCUA insured
Indiana Lakes FCU Savings Rates
Top CarrotIndiana Lakes FCU’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 5, 2026.
How Indiana Lakes FCU’s savings rates compare
Compared with banks and credit unions near Warsaw, IN, where Indiana Lakes FCU has the most branches. $10,000, best rate first.
This credit union’s best
Indiana Lakes FCU
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Interra Credit Union
4.03%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $403
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Indiana Lakes FCU savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.25%
- QualifiedQualified1.00%
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 Indiana Lakes FCU 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 Account
1.00%APY
Minimum balance is $2,500 and rate increases at $25,000. Three withdrawals per month with $10 excessive withdrawal fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.50% | — |
| $2,500 – $24,999 | 1.00% | $100 |
| $25,000 – $99,999 | 1.00% | — |
| $100,000 and up | 1.25% | — |
Regular Share/Savings Account
0.20%APY
Dividends compounded and paid monthly. Minimum balance is $5. First account opened when joining the cooperative financial institution.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and paid monthly. No per item transaction fee; no withdrawal penalty.$5 and up | 0.20% | $20 | Dividends compounded and paid monthly. No per item transaction fee; no withdrawal penalty. |
Special-purpose accounts
Christmas Club Savings
0.20%APY
Deposits can be made in any amount via payroll deduction, ILFCU Home Banking, or over the counter. Earns dividends and funds are transferred to regular savings the first week of November each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upTransferred to regular savings account the first week of November each year.$5 and up | 0.20% | $20 | Transferred to regular savings account the first week of November each year. |
Vacation Club Accounts
0.10%APY
Members may withdraw from this account at any time without penalty. No minimum balance is required per product description, though rate table lists $5 minimum amount. Earns dividends and funds are transferred to regular savings the first week of June each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upWithdrawals allowed at any time without penalty. Transferred to regular savings account the first week of June each year.$5 and up | 0.10% | $10 | Withdrawals allowed at any time without penalty. Transferred to regular savings account the first week of June each year. |
Who can join Indiana Lakes FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, or attends school in Kosciusko County, Indiana.
Cost to join
- A one-time membership fee of $1.00 is required.
- An initial share deposit of at least $5.00 is required to open a Share Savings Account.
Membership information collected October 5, 2026.