Credit union · NCUA insured
Land of Lincoln Credit Union Savings Rates
Land of Lincoln Credit Union’s best savings rate is 1.46% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Land of Lincoln Credit Union’s savings rates compare
Compared with banks and credit unions near Decatur, IL, where Land of Lincoln Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Land of Lincoln Credit Union
1.46%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $146
Money Market
Top rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
2nd-highest rate
United Equity Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Land of Lincoln Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.08%
- $10,000 balance$10,0001.46%
- $100,000 balance$100,0001.99%
- QualifiedQualified1.46%
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 Land of Lincoln 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.
MAXimum Money Market
Up to 2.71%APY
Minimum balance of $25,000.00 required (or $2,500.00 per account overview). Minimum deposit and withdrawal requirement of $100.00. Preauthorized transactions limited to 6 per month (3 payable to third party / by check). Excess withdrawals subject to $20.00 fee each or account closing. NCUA and ESI insured.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $50,000Dividends calculated daily and credited monthly. | 1.86% | — | Dividends calculated daily and credited monthly. |
| $50,000 – $100,000Dividends calculated daily and credited monthly. | 1.91% | — | Dividends calculated daily and credited monthly. |
| $100,000 – $250,000Dividends calculated daily and credited monthly. | 1.99% | — | Dividends calculated daily and credited monthly. |
| $250,000 and upDividends calculated daily and credited monthly. | 2.71% | — | Dividends calculated daily and credited monthly. |
Money Market
1.46%APY
Requires a minimum balance of $2,500.00. Minimum deposit and withdrawal requirement of $100.00. Limited to 6 preauthorized withdrawals/transfers per month, with up to 3 payable to a third party / by check. Excess withdrawals subject to $20.00 fee each or account closing. NCUA and ESI insured.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Dividends calculated daily and credited monthly. | 1.36% | — | Dividends calculated daily and credited monthly. |
| $10,000 – $25,000Dividends calculated daily and credited monthly. | 1.46% | $146 | Dividends calculated daily and credited monthly. |
| $25,000 and upDividends calculated daily and credited monthly. | 1.80% | — | Dividends calculated daily and credited monthly. |
Basic Savings Account
0.08%APY
Requires $5.00 to open account. No monthly service fee unless member exceeds six (6) withdrawals per month. Interest paid in tiers based minimum balance ranges.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Dividends calculated daily and credited monthly. | 0.08% | — | Dividends calculated daily and credited monthly. |
| $2,500 and upDividends calculated daily and credited monthly. | 0.08% | $8 | Dividends calculated daily and credited monthly. |
Special-purpose accounts
Health Savings Account (HSA)
1.00%APY
Tax-advantaged account for IRS-qualified medical expenses. Dividends calculated daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends calculated daily and credited monthly.$50 and up | 1.00% | $100 | Dividends calculated daily and credited monthly. |
Sources (2)
All captured Oct 16, 2026
IRA Builder
0.35%APY
Traditional and Roth IRA savings accumulation account options available. Dividends calculated daily and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends calculated daily and credited monthly.$50 and up | 0.35% | $35 | Dividends calculated daily and credited monthly. |
Christmas Club Account
0.08%APY
Requires $0.00 to open account. No minimum balance required. Unlimited withdrawals featured on savings page; rates page notes no monthly service fee unless member exceeds the one (1) withdrawal per quarter allowed. Interest paid based on average daily balances.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily and credited monthly. Interest paid is based on average daily balances.Any balance | 0.08% | $8 | Dividends calculated daily and credited monthly. Interest paid is based on average daily balances. |
Dime Account
0.08%APY
Designed for ages 13 to 17. Requires $5.00 to open and $5.00 minimum daily balance to earn dividends. No monthly service fee. Automatic transfer to a basic savings and, if applicable, free checking account on 18th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends calculated daily and credited monthly.$5 and up | 0.08% | $8 | Dividends calculated daily and credited monthly. |
Nickel Account
0.08%APY
Designed for ages 8 to 12. Requires $5.00 to open and $5.00 minimum daily balance to earn dividends. No monthly service fee. Automatic transfer to Dime Account on 13th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends calculated daily and credited monthly.$5 and up | 0.08% | $8 | Dividends calculated daily and credited monthly. |
Penny Account
0.08%APY
Designed for ages 7 & under. Requires $5.00 to open and $5.00 minimum daily balance to earn dividends. No monthly service fee. Automatic transfer to Nickel Account on 8th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends calculated daily and credited monthly.$5 and up | 0.08% | $8 | Dividends calculated daily and credited monthly. |
Who can join Land of Lincoln 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 works or resides in 28 specified Illinois counties.
Employers and groups
- Membership is open to current employees of Land of Lincoln Credit Union's Premier Partners.
Family and household
- Membership is open to immediate family members of a current Land of Lincoln Credit Union member (children, parents, spouses, siblings, grandparents, and grandchildren), regardless of residence.
Other ways
- Membership is open to members, associate members, clergy, pastors, or affiliates of a United Methodist agency or institution within the Illinois Great Rivers Conference or Northern Illinois Conference.
Membership information collected October 5, 2026.