Credit union · NCUA insured
INOVA Federal Credit Union Savings Rates
INOVA Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Financial Management Account. Rates checked October 15, 2026.
How INOVA Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Elkhart, IN, where INOVA Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
INOVA Federal Credit Union
1.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $125
Shield Money Market
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
INOVA Federal Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0003.00%
- QualifiedQualified1.25%
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 INOVA 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.
Shield Money Market
Up to 1.25%APY
Must have a Shield Checking Account to be eligible to open. To receive the higher dividend rate/APY across the entire balance, Shield Checking requirements must be met: complete at least 8 debit card transactions per statement period and maintain an average daily balance greater than $3,500.00. Otherwise, the standard rate (0.01% APY) applies. Daily Balance Method is used to calculate interest. No minimum or maximum deposit requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate tier when Shield Checking requirements are met. | 1.25% | $125 | Qualifying rate tier when Shield Checking requirements are met. |
| Any balanceStandard rate applied to entire balance if Shield Checking requirements are not met. | 0.01% | $1 | Standard rate applied to entire balance if Shield Checking requirements are not met. |
| $50,000 – $100,000Qualifying rate tier when Shield Checking requirements are met. | 1.75% | — | Qualifying rate tier when Shield Checking requirements are met. |
| $100,000 – $250,000Qualifying rate tier when Shield Checking requirements are met. | 3.50% | — | Qualifying rate tier when Shield Checking requirements are met. |
| Over $250,000Qualifying rate tier when Shield Checking requirements are met. | 4.00% | — | Qualifying rate tier when Shield Checking requirements are met. |
Sources (2)
- inovafederal.org/personal/pers…ney-market-accounts.html
- inovafederal.org/services-tools/tools/rates.html
All captured Sep 18, 2026
Emerald Money Market
0.01%APY
No monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250,000 | 0.01% | $1 |
| $250,000 and up | 3.25% | — |
Sources (2)
- inovafederal.org/personal/pers…ney-market-accounts.html
- inovafederal.org/services-tools/tools/rates.html
All captured Sep 18, 2026
Platinum Money Market
3.00%APY
No monthly service charge. $100,000 minimum deposit to open and minimum balance to earn the premium rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100,000 and up | 3.00% | — |
Sources (2)
- inovafederal.org/personal/pers…ney-market-accounts.html
- inovafederal.org/services-tools/tools/rates.html
All captured Sep 18, 2026
Gold Money Market
1.25%APY
No monthly service charge. $50,000 minimum deposit to open and minimum balance to earn the premium rate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50,000 and up | 1.25% | — |
Sources (2)
- inovafederal.org/personal/pers…ney-market-accounts.html
- inovafederal.org/services-tools/tools/rates.html
All captured Sep 18, 2026
Financial Management Account
0.25%APY
Tiered rates on balances of $2,000 or more with direct check writing and no monthly service charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 0.25% | $25 |
| $10,000 – $25,000 | 0.50% | — |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 0.85% | — |
| Over $100,000 | 1.00% | — |
Sources (2)
- inovafederal.org/personal/pers…-management-account.html
- inovafederal.org/services-tools/tools/rates.html
All captured Sep 18, 2026
Financial Management Account
0.25%APY
Tiered dividends on balances of $2,000 or more. Includes direct check writing.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 0.25% | $25 |
| $10,000 – $25,000 | 0.50% | — |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 0.85% | — |
| Over $100,000 | 1.00% | — |
Membership Savings Account
0.01%APY
Dividends earned on balances of $100 or more. Grants membership to INOVA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn APY is $100.$100 and up | 0.01% | $1 | Minimum balance to earn APY is $100. |
Special Savings Account
0.01%APY
Make deposits at any time in any amount. Funds available anytime.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Special-purpose accounts
IRA Financial Management Account
0.25%APY
Subject to limitations and/or penalties by the Internal Revenue Service.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 0.25% | $25 |
| $10,000 – $25,000 | 0.50% | — |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 0.85% | — |
| Over $100,000 | 1.00% | — |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Sep 18, 2026
IRA Financial Management Account
0.25%APY
Traditional and Roth IRA options available. Subject to IRS limitations, penalties, and contribution limits. No setup fees or monthly/annual service charges.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 0.25% | $25 |
| $10,000 – $25,000 | 0.50% | — |
| $25,000 – $50,000 | 0.75% | — |
| $50,000 – $100,000 | 0.85% | — |
| Over $100,000 | 1.00% | — |
Sources (2)
- inovafederal.org/personal/pers…ement-accounts-iras.html
- inovafederal.org/services-tools/tools/rates.html
All captured Sep 18, 2026
IRA Money Market Savings
0.05%APY
Subject to limitations and/or penalties by the Internal Revenue Service.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Sep 18, 2026
Christmas Club Account
0.01%APY
Make deposits up to October 31st for that year. Funds released via automatic transfer to INOVA membership savings account on November 1st. $10 per early withdrawal or transfer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Health Savings Account (HSA)
0.01%APY
Requires High Deductible Health Plan (HDHP) qualification. Subject to IRS contribution and withdrawal rules and penalties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (2)
- inovafederal.org/personal/pers…savings-account-hsa.html
- inovafederal.org/services-tools/tools/rates.html
All captured Sep 18, 2026
IRA Savings
0.01%APY
Traditional and Roth IRA options available. Subject to IRS limitations, penalties, and contribution limits ($7,500/year, plus $1,100 catch-up for age 50+). No setup fees or monthly/annual service charges.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Who can join INOVA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.