Credit union · NCUA insured
iQ Credit Union Savings Rates
iQ Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How iQ Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, OR-WA, where iQ Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
iQ Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Intelligent Savings
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
iQ Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.85%
- QualifiedQualified3.00%
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 iQ 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
0.45%APY
Up to 6 withdrawals a month without incurring a fee. Minimum balance of $1,000 required to avoid monthly service fee. Interest compounded and credited monthly, calculated by daily balance method. If the balance drops below the minimum balance, interest rate will reflect current share rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Minimum balance of $1,000 required to avoid monthly service fee. | 0.05% | — | Minimum balance of $1,000 required to avoid monthly service fee. |
| $1,000 – $9,999Minimum balance of $1,000 required to avoid monthly service fee. | 0.25% | — | Minimum balance of $1,000 required to avoid monthly service fee. |
| $10,000 – $49,999Minimum balance of $1,000 required to avoid monthly service fee. | 0.45% | $45 | Minimum balance of $1,000 required to avoid monthly service fee. |
| $50,000 – $99,999Minimum balance of $1,000 required to avoid monthly service fee. | 0.65% | — | Minimum balance of $1,000 required to avoid monthly service fee. |
| $100,000 – $499,999Minimum balance of $1,000 required to avoid monthly service fee. | 0.85% | — | Minimum balance of $1,000 required to avoid monthly service fee. |
| $500,000 – $999,999Minimum balance of $1,000 required to avoid monthly service fee. | 2.25% | — | Minimum balance of $1,000 required to avoid monthly service fee. |
| $1,000,000 and upMinimum balance of $1,000 required to avoid monthly service fee. | 3.25% | — | Minimum balance of $1,000 required to avoid monthly service fee. |
Sources (2)
All captured Oct 22, 2026
Intelligent Savings
Up to 3.00%APY
Bundled with Intelligent Checking. Existing savings accounts cannot be converted to Intelligent Savings. Limited to one per account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQualifying rate. Must have an Intelligent Checking account and meet monthly qualifiers: 12 debit/credit card transactions, direct deposit of $100 or more per month, log into online banking at least once per month, and receive e-Statements.Any balance | 3.00% | $300 | Qualifying rate. Must have an Intelligent Checking account and meet monthly qualifiers: 12 debit/credit card transactions, direct deposit of $100 or more per month, log into online banking at least once per month, and receive e-Statements. |
| Any balanceNon-qualifying rate applied if monthly Intelligent Checking requirements are not met.Any balance | 0.05% | $5 | Non-qualifying rate applied if monthly Intelligent Checking requirements are not met. |
Sources (3)
All captured Sep 24, 2026
Easy Saver
0.05%APY
Round-up savings program with 5% quarterly match up to $300 annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Regular Shares (Savings)
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to obtain APY is $100.00.$100 and up | 0.05% | $5 | Minimum balance to obtain APY is $100.00. |
Sources (1)
- iqcu.com/personal-rates · captured Sep 24, 2026
Special-purpose accounts
IRA Shares
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- iqcu.com/personal-rates · captured Sep 24, 2026
Roth IRA Shares
0.30%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- iqcu.com/personal-rates · captured Sep 24, 2026
Youth Accounts
0.05%APY
Joint owner/guardian age 18 or older required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo low balance fees.Any balance | 0.05% | $5 | No low balance fees. |
Sources (3)
All captured Sep 24, 2026
Who can join iQ Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.