Credit union · NCUA insured
Indianhead Credit Union Savings Rates
Indianhead Credit Union’s best savings rate is 1.11% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Indianhead Credit Union’s savings rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Indianhead Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Indianhead Credit Union
1.11%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $111
Money Market Account
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Indianhead Credit Union savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.11%
- $100,000 balance$100,0003.35%
- QualifiedQualified1.11%
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 Indianhead 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 Account
1.11%APY
*Rates effective as of October 16, 2026 *Fees may reduce earnings. *** APY = Annual Percentage Yield
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Tier 1: $5,000.00 - $24,999.99 balance. | 1.11% | $111 | Tier 1: $5,000.00 - $24,999.99 balance. |
| $25,000 – $50,000Tier 2: $25,000.00 - $49,999.99 balance. | 2.02% | — | Tier 2: $25,000.00 - $49,999.99 balance. |
| $50,000 – $100,000Tier 3: $50,000.00 - $99,999.99 balance. | 2.84% | — | Tier 3: $50,000.00 - $99,999.99 balance. |
| $100,000 – $250,000Tier 4: $100,000.00 - $249,999.99 balance. | 3.35% | — | Tier 4: $100,000.00 - $249,999.99 balance. |
| $250,000 and upTier 5: $250,000.00 and Over balance. | 3.87% | — | Tier 5: $250,000.00 and Over balance. |
Sources (3)
All captured Oct 16, 2026
Funeral Trust Account
0.40%APY
Special purpose account with an agreement between member, Credit Union, and funeral home. No withdrawals allowed unless to pay funeral expenses. Deposits must be made in accordance to agreement. Dividends paid monthly on balances over $100.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.40% | $40 |
Sources (2)
All captured Oct 5, 2026
Super-Rate Account
0.30%APY
Establishes ownership in Indianhead Credit Union. Dividends paid monthly on balances over $25.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.20% | — |
| $2,000 – $20,000 | 0.30% | $30 |
| $20,000 and up | 0.40% | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
I Want It Club (Youth Club)
0.50%APY · 1 term
Youth club account. Funds must stay in account for minimum 1 year. $5 fee for early withdrawals. Funds automatically transfer to My Moolah Savings account after 1 year. Dividends paid monthly on balances over $25. Higher tiered rates on first $3,000.
| Term | APY · Up to $3,000 | APY · Over $3,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12–Unknown months | 1.51% | 0.50% | 0.50%1.51% $5–$3k | $50 |
Sources (2)
All captured Oct 5, 2026
My Moolah Savings (Youth Account)
0.30%APY
Youth account. Requires a parent or legal guardian with valid ID present, child's SSN and DOB. When child turns 18, changes to Super Rate Auxil account. Dividends paid monthly on balances over $25. $5 opening deposit matched by Indianhead (once per member). 1% bonus interest on first $3,000 saved.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $3,000 | 1.31% | — |
| $3,000 – $20,000 | 0.30% | $30 |
| $20,000 and up | 0.40% | — |
Sources (2)
All captured Oct 5, 2026
Coverdell Education Savings Account
0.75%APY
Tax-deferred growth for qualified education expenses. Tax-free distributions to pay qualified education expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.50% | — |
| $5,000 – $25,000 | 0.75% | $75 |
| $25,000 – $50,000 | 1.01% | — |
| $50,000 and up | 1.26% | — |
Sources (2)
All captured Oct 5, 2026
IRA Passbook Account (Traditional & Roth)
0.75%APY
Traditional or Roth IRA savings account. An agreement between member and Credit Union must be signed before account is opened. Must have earned income to contribute. Dividends paid monthly on balances over $100. Governed by IRS regulations.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.50% | — |
| $5,000 – $25,000 | 0.75% | $75 |
| $25,000 – $50,000 | 1.01% | — |
| $50,000 and up | 1.26% | — |
Sources (2)
All captured Oct 5, 2026
Health Savings Account
0.50%APY
Must be covered under an HDHP, have no other health coverage, not enrolled in Medicare, cannot be a dependent. Dividends paid monthly on balances over $50. Free checks, debit card, and direct deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.25% | — |
| $5,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 and up | 1.01% | — |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.50%APY
Disbursement on the first business day of November automatically moves to savings or checking account chosen at opening. Dividends paid monthly on balances over $25. $5 fee for early withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.50% | $50 |
Sources (2)
All captured Oct 5, 2026
The Whatever Fund Club
0.50%APY · 1 term
Funds must remain in account for a minimum of 1 year. Disbursement is determined at opening and automatically moves to savings or checking. Dividends paid monthly on balances over $25. $5 fee for early withdrawals. Also listed as Universal Club.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–Unknown months | 0.50% | $50 |
Sources (2)
All captured Oct 5, 2026
Who can join Indianhead 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 or work in Ashland, Barron, Bayfield, Burnett, Douglas, Polk, Rusk, Sawyer, or Washburn counties in Wisconsin, or Carlton, Pine, or St. Louis counties in Minnesota.
Family and household
- Membership is open to spouses, parents, children, grandparents, grandchildren, or household members of a current Indianhead Credit Union member.
Cost to join
- A $5.00 membership deposit is required to open an account upon membership confirmation.
Membership information collected October 5, 2026.