Credit union · NCUA insured
Indiana Members Credit Union Savings Rates
Top CarrotIndiana Members Credit Union’s best savings rate is 1.21% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Indiana Members Credit Union’s savings rates compare
Compared with banks and credit unions near Indianapolis, IN, where Indiana Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Indiana Members Credit Union
1.21%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $121
Money Market Account
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
Indiana Members Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.21%
- $100,000 balance$100,0003.30%
- QualifiedQualified1.21%
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 Members 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.
High Yield Money Market
3.30%APY
Membership savings account required. Available only on consumer accounts with new funds. Introductory rate applies for 7 months, after which the account converts to standard money market terms.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $15,000 and upNew funds only. 7-month promotional rate paid only if balance is $15,000 or more; if balance falls below $15,000, rate paid equals the savings rate according to tier structure. Converts to standard money market account after 7 months.$15,000 and up | 3.30% | — | New funds only. 7-month promotional rate paid only if balance is $15,000 or more; if balance falls below $15,000, rate paid equals the savings rate according to tier structure. Converts to standard money market account after 7 months. |
Sources (2)
All captured Oct 5, 2026
Money Market Account
1.21%APY
Membership savings account required. No monthly fee with a minimum balance of $2,500; accounts below $2,500 may incur a fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $19,999Membership savings account required. Minimum balance of $2,500 required to earn dividends. | 1.21% | $121 | Membership savings account required. Minimum balance of $2,500 required to earn dividends. |
| $20,000 – $49,999Membership savings account required. | 1.51% | — | Membership savings account required. |
| $50,000 – $99,999Membership savings account required. | 1.81% | — | Membership savings account required. |
| $100,000 – $249,999Membership savings account required. | 2.22% | — | Membership savings account required. |
| $250,000 and upMembership savings account required. | 2.43% | — | Membership savings account required. |
Sources (2)
All captured Oct 5, 2026
Membership Savings
0.30%APY
Membership savings account required. Dividend rate is variable and may change after account is opened. Free eStatements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.05% | — |
| $1,000 – $9,999 | 0.15% | — |
| $10,000 and up | 0.30% | $30 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account
1.51%APY
Requires membership savings account and enrollment in a high-deductible health plan (HDHP) as defined annually by the IRS. Dividend rate is variable. Dividends compounded monthly and credited on the last day of every month. No monthly fee or annual maintenance fee. Funds may not be used to cover overdrafts on an HSA checking account while invested in a certificate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.75% | — |
| $2,500 – $9,999 | 1.00% | — |
| $10,000 and up | 1.51% | $151 |
Sources (2)
All captured Oct 5, 2026
IRA Savings
1.51%APY
Available as Traditional IRA or Roth IRA. Earnings grow tax-deferred for Traditional IRAs and tax-free for Roth IRAs if IRS conditions are met. Traditional IRA tax deductions depend on income level. Required minimum withdrawals at age 73 for Traditional IRA; no RMDs for Roth IRA. Higher income earners may not be permitted to contribute to a Roth IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.51% | $151 |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.30%APY
Membership savings account required. Dividend rate is variable and may change after account is opened. Separate savings option that helps you set aside money throughout the year for holiday expenses or other planned savings goals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.05% | — |
| $1,000 – $9,999 | 0.15% | — |
| $10,000 and up | 0.30% | $30 |
Sources (2)
All captured Oct 5, 2026
Who can join Indiana Members 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 or works in eligible counties across Central Indiana, Southern Indiana, or parts of Northern Kentucky is eligible to join.
Family and household
- Immediate family members of eligible individuals may qualify for membership.
Cost to join
- Membership requires opening a share account (deposit amount unstated).
Membership information collected October 5, 2026.