Interra Credit Union Savings & Money Market Rates

How Interra Credit Union’s savings rates compare

Compared with banks and credit unions near Elkhart, IN, where Interra Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Interra Credit Union
4.03%APY
Requires
Another account
Minimum
$10,000
Earns on $10,000 a year
$403
LINked Money Market Share Account
2nd-highest rate
Northwest Bank
4.00%APY
Requires
None
Minimum
$1
Earns on $10,000 a year
$400
Northwest Bank rates
3rd-highest rate
Horizon Bank
3.75%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$375
Horizon Bank rates

Compare savings rates near you →

76

Savings score

Higher than 42% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.05%
$100,000 balance$100,0000.05%
QualifiedQualified4.03%

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.

How the score works →

Where Interra 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.

LINked Money Market Share Account

4.03%APYRequirements apply$10,000 to open

Maintain a daily balance of at least $10,000, have an Interra Credit Union checking account in good standing, enroll in Online Banking, and enroll in e-Statements.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$10,000 and upEarn up to 4.03% APY. Requires maintaining a daily balance of at least $10,000, an Interra checking account in good standing, Online Banking enrollment, and e-Statement enrollment.$10,000 and up	4.03%	$403	Earn up to 4.03% APY. Requires maintaining a daily balance of at least $10,000, an Interra checking account in good standing, Online Banking enrollment, and e-Statement enrollment.

Sources (2)

All captured Sep 24, 2026

Sign & Save Savings

0.10%APY

Signature-based debit card purchases are rounded up to the nearest dollar and transferred from checking to Sign & Save. Interra matches 5% of bump-up amounts (25% for first 30 days after opening), capped at $250 per year.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum daily balance >$0 to obtain APY. Applies to all balances.Any balance	0.10%	$10	Minimum daily balance >$0 to obtain APY. Applies to all balances.

Sources (3)

All captured Oct 5, 2026

Member Share Savings

0.05%APY$5 to open

Represents member share of ownership in credit union. A $10.00 per month single service fee applies to members who only have a member share savings with an average balance under $250.00 and utilize no other qualified accounts or services (members under age 23 or 62 and older are exempt).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum daily balance >$0 to obtain APY. Par value of a membership share is $5.00 (minimum balance to open and maintain). Monthly $10 fee waived if average balance is $250+ or if member utilizes other qualifying accounts/services or is under 23 / 62 and older.Any balance	0.05%	$5	Minimum daily balance >$0 to obtain APY. Par value of a membership share is $5.00 (minimum balance to open and maintain). Monthly $10 fee waived if average balance is $250+ or if member utilizes other qualifying accounts/services or is under 23 / 62 and older.

Sources (3)

All captured Oct 5, 2026

Share Savings

0.05%APY$5 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum daily balance >$0 to obtain APY.Any balance	0.05%	$5	Minimum daily balance >$0 to obtain APY.

Sources (1)

interracu.com/rates · captured Oct 5, 2026

Special-purpose accounts

Christmas Club

0.10%APYClub

Funds transfer annually on November 1 to checking or savings. A $10 fee may apply if funds are withdrawn before October 31.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum daily balance >$0 to obtain APY. Must either deposit $10 or setup automatic transfers at account opening according to FAQ.Any balance	0.10%	$10	Minimum daily balance >$0 to obtain APY. Must either deposit $10 or setup automatic transfers at account opening according to FAQ.

Sources (3)

All captured Oct 5, 2026

HSA Savings

0.10%APYHSA$5 to open

Must be covered under a High Deductible Health Plan (HDHP), cannot be enrolled in Medicare, and cannot be claimed as a dependent on another tax return.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum daily balance >$0 to obtain APY. Par value of a membership share is $5.00.Any balance	0.10%	$10	Minimum daily balance >$0 to obtain APY. Par value of a membership share is $5.00.

Sources (3)

All captured Oct 5, 2026

Kids Club

0.10%APYKids and teens$5 to open

Available for newborns through age 17. At age 18, converts to regular Share Savings. Requires a $5 minimum balance.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum daily balance >$0 to obtain APY. $5.00 opening minimum for Kids Club Savings (plus $5.00 for Member Share Savings if child does not already have an account).Any balance	0.10%	$10	Minimum daily balance >$0 to obtain APY. $5.00 opening minimum for Kids Club Savings (plus $5.00 for Member Share Savings if child does not already have an account).

Sources (3)

All captured Oct 5, 2026

Closed to new customers

IRA Savings

0.10%APYIRA$5 to open

Effective February 6, 2024, Interra is no longer opening new IRA share savings accounts.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMinimum daily balance >$0 to obtain APY. Par value of a membership share is $5.00. Early withdrawal penalty may apply.Any balance	0.10%	$10	Minimum daily balance >$0 to obtain APY. Par value of a membership share is $5.00. Early withdrawal penalty may apply.

Sources (1)

interracu.com/rates · captured Oct 5, 2026

Who can join Interra Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

How Interra Credit Union’s savings rates compare

Interra Credit Union savings score

Current savings rates

LINked Money Market Share Account

Sign & Save Savings

Member Share Savings

Share Savings

Special-purpose accounts

Christmas Club

HSA Savings

Kids Club

Closed to new customers

IRA Savings

Who can join Interra Credit Union