Credit union · NCUA insured
IRCO Credit Union Savings Rates
IRCO Credit Union’s best savings rate is 0.08% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How IRCO Credit Union’s savings rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where IRCO Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IRCO Credit Union
0.08%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $8
Share Savings Account
Top rate
Univest
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
United Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
IRCO Credit Union savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.08%
- $10,000 balance$10,0000.08%
- $100,000 balance$100,0000.08%
- QualifiedQualified0.08%
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 IRCO 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.
Share Savings Account
0.08%APY
First account every member gets. Opening deposit of $5. Can be used as overdraft protection for checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings.Any balance | 0.08% | $8 | Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings. |
Special-purpose accounts
Holiday Clubs
0.08%APY
Funds are automatically deposited to share account on October 1st. No fees for early withdrawals. Minimum deposit of $5 to start.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings.Any balance | 0.08% | $8 | Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings. |
IRA Share Savings Account (Traditional or Roth)
0.08%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings.Any balance | 0.08% | $8 | Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings. |
Sources (1)
- ircocu.org/rates · captured Sep 19, 2026
Money Rocks Club
0.08%APY
Designed for kids aged 9-17. Includes club punch card (each $10 deposit = one punch) and entry into annual drawing for a $75 VISA gift card in October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor ages 9-17. Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings.Any balance | 0.08% | $8 | For ages 9-17. Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings. |
Piggy Bank Club
0.08%APY
Designed for kids aged 0-8. Includes piggy bank, coloring activity book, club punch card (each $5 deposit = one punch), and entry into annual drawing for a $75 VISA gift card in October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor ages 0-8. Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings.Any balance | 0.08% | $8 | For ages 0-8. Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings. |
Vacation Clubs
0.08%APY
Funds are automatically deposited to share account on April 1st. No fees for early withdrawals. Minimum deposit of $5 to start.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings.Any balance | 0.08% | $8 | Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter. Fees may reduce earnings. |
Who can join IRCO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, conduct business, or volunteer in Phillipsburg, Alpha, or the Townships of Franklin, Greenwich, Harmony, Lopatcong, and Pohatcong, New Jersey, are eligible for membership.
- Individuals who live, work, worship, attend school, conduct business, or volunteer in Northampton and Lehigh Counties, Pennsylvania, are eligible for membership.
Family and household
- Membership can be expanded to immediate family members of members, including mother, father, son, daughter, sister, brother, etc.
Cost to join
- An initial deposit of $5.00 is required to open an account and establish membership.
Membership information collected October 5, 2026.