Credit union · NCUA insured
Lakes Federal Credit Union Savings Rates
Lakes Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Regular Savings. Rates checked October 15, 2026.
How Lakes Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Monticello, IN, where Lakes Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lakes Federal Credit Union
0.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $75
Special
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Industrial Federal Credit Union
1.01%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $101
Lakes Federal Credit Union savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
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 Lakes Federal 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.
Regular Savings
0.75%APY
$5.00 minimum balance required to be a member in good standing. All members must have this type of account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5.00 minimum balance required to be a member in good standing. All members must have this type of account.$5 and up | 0.75% | $75 | $5.00 minimum balance required to be a member in good standing. All members must have this type of account. |
Special
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (1)
- lakesfcu.com/dividends · captured Sep 18, 2026
Special-purpose accounts
IRA/HSA
1.11%APY
HSA includes a free debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceHSA free debit card available.Any balance | 1.11% | $111 | HSA free debit card available. |
Christmas
0.75%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (1)
- lakesfcu.com/dividends · captured Sep 18, 2026
Who can join Lakes Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, attends school, or worships in White, Carroll, Pulaski, or Jasper Counties.
Membership information collected October 5, 2026.