IU Credit Union Savings & Money Market Rates

How IU Credit Union’s savings rates compare

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

This credit union’s best
IU Credit Union
1.50%APY
Minimum
—
Earns on $10,000 a year
$150
Money Market Savings
Top rate
Northwest Bank
4.00%APY
Minimum
$1
Earns on $10,000 a year
$400
Northwest Bank rates
2nd-highest rate
Merchants Bank
3.75%APY
Minimum
$50
Earns on $10,000 a year
$375
Merchants Bank rates

Compare savings rates near you →

88

Savings score

Higher than 84% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.60%
$10,000 balance$10,0001.50%
$100,000 balance$100,0003.00%
QualifiedQualified1.50%

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 IU 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 Savings

1.50%APY

Requires a minimum balance of $1,000 to avoid a $10 monthly service charge. Requires a minimum balance of $0.01 to earn APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.	0.60%	—	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.
$1,000 – $10,000$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.	0.60%	—	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.
$10,000 – $25,000$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.	1.50%	$150	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.
$25,000 – $50,000$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.	2.00%	—	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.
$50,000 – $75,000$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.	2.50%	—	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.
$75,000 – $250,000$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.	3.00%	—	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.
$250,000 and up$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.	3.50%	—	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn APY.

Sources (2)

All captured Oct 15, 2026

Membership Savings

0.40%APY$5 to open

Requires $5 minimum balance to open and maintain. $0.01 minimum balance required to earn APY. Dividends compounded monthly and paid monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0$5 minimum balance required to open and maintain a membership savings account; $0.01 minimum balance required to earn APY.Over $0	0.40%	$40	$5 minimum balance required to open and maintain a membership savings account; $0.01 minimum balance required to earn APY.

Sources (3)

All captured Oct 15, 2026

Other Savings Accounts

0.40%APY

Additional savings accounts to set aside money for special purposes (e.g., vacation, Christmas). No minimum balance required to open and maintain; $0.01 minimum balance required to earn APY.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0No minimum balance required to open and maintain other types of savings accounts; $0.01 minimum balance required to earn APY.Over $0	0.40%	$40	No minimum balance required to open and maintain other types of savings accounts; $0.01 minimum balance required to earn APY.

Sources (3)

All captured Sep 18, 2026

Money Market Checking

0.25%APY

$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn the APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn the APY.	0.25%	—	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn the APY.
$1,000 and up$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn the APY.	0.25%	$25	$1,000 minimum balance required to avoid paying a $10 monthly service charge. $0.01 minimum balance is required to earn the APY.

Sources (1)

iucu.org/rates/deposit-rates.html · captured Oct 15, 2026

Special-purpose accounts

Coverdell Education Savings Account (ESA)

0.50%APYIRA

Tax-advantaged education savings vehicle allowing contributions up to $2,000 per year for K-12 or college qualified expenses. Subject to income limitations. No minimum balance required to open and maintain; $0.01 minimum balance required to earn APY. Early withdrawal penalties may apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Subject to income limitations. No minimum balance required to open and maintain; $0.01 minimum balance required to earn APY. Early withdrawal penalties may apply.Over $0	0.50%	$50	Subject to income limitations. No minimum balance required to open and maintain; $0.01 minimum balance required to earn APY. Early withdrawal penalties may apply.

Sources (3)

All captured Oct 15, 2026

IRA Savings

0.50%APYIRA

Offers Traditional and Roth IRA savings options. No minimum balance required to open and maintain; $0.01 minimum balance required to earn APY. Early withdrawal penalties may apply.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Applies to Traditional and Roth IRA savings. No minimum balance required to open and maintain; $0.01 minimum balance required to earn APY. Early withdrawal penalties may apply.Over $0	0.50%	$50	Applies to Traditional and Roth IRA savings. No minimum balance required to open and maintain; $0.01 minimum balance required to earn APY. Early withdrawal penalties may apply.

Sources (3)

All captured Oct 15, 2026

Who can join IU Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Membership is open to individuals who live or work in one of 65 Indiana counties.

Employers and groups

Business membership is available to business owners living or working in one of 65 Indiana counties, where the qualifying business principal is a member or eligible for membership.

Cost to join

A minimum deposit of $5 in a Membership Savings account is required to establish membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

How IU Credit Union’s savings rates compare

IU Credit Union savings score

Current savings rates

Money Market Savings

Membership Savings

Other Savings Accounts

Money Market Checking

Special-purpose accounts

Coverdell Education Savings Account (ESA)

IRA Savings

Who can join IU Credit Union

Where you live or work

Employers and groups

Cost to join