Credit union · NCUA insured
ISPFCU Savings Rates
ISPFCU’s best savings rate is 2.00% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How ISPFCU’s savings rates compare
Compared with banks and credit unions near Springfield, IL, where ISPFCU has the most branches. $10,000, best rate first.
This credit union’s best
ISPFCU
2.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $200
Money Market Savings
Top rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
2nd-highest rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
ISPFCU savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.85%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified2.00%
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 ISPFCU 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 Savings
2.00%APY
Unlimited deposits; up to six debit transactions per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10,000 – $25,000 | 2.00% | $200 |
| $25,000 – $100,000 | 2.75% | — |
| $100,000 and up | 3.00% | — |
Money Market Checking
1.50%APY
Unlimited deposits; up to six debit transactions per month. Check writing available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $10,000 | 1.00% | — |
| $10,000 – $25,000 | 1.50% | $150 |
| $25,000 – $100,000 | 2.25% | — |
| $100,000 and up | 2.50% | — |
Regular Shares
0.85%APY
Required of every member as a condition of membership. Dividends are earned daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.85% | $85 |
Special-purpose accounts
Christmas Club
0.85%APY
Accumulated funds are paid out on the first business day in November by direct transfer to an ISPFCU Checking Account or by check in the mail.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.85% | $85 |
Future CrimeFighter Account
0.85%APY
Designed for kids under age 18. Earns dividends at the same rate as the Regular Share Savings dividend rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns dividends at the same rate as the Regular Share Savings dividend rate. Account holders under age 18 are eligible for quarterly prize drawings.Any balance | 0.85% | $85 | Earns dividends at the same rate as the Regular Share Savings dividend rate. Account holders under age 18 are eligible for quarterly prize drawings. |
Who can join ISPFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
Military, government and schools
- Employees who regularly work in the state and local government industry in the state of Illinois are eligible for membership.
- Retired individuals from the state and local government industry in the state of Illinois are eligible for membership.
Family and household
- Spouses of eligible deceased persons are eligible for membership.
- Members of immediate families of any of the approved eligible groups are eligible for membership.
Membership information collected October 5, 2026.