Credit union · NCUA insured
Northern Illinois Federal Credit Union Savings Rates
Northern Illinois Federal Credit Union’s best savings rate is 0.04% APY on $10,000, with its Regular Share (Savings). Rates checked October 16, 2026.
How Northern Illinois Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Northern Illinois Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northern Illinois Federal Credit Union
0.04%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $4
Regular Share (Savings)
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
Northern Illinois Federal Credit Union savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0000.04%
- $100,000 balance$100,0000.04%
- QualifiedQualified0.04%
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 Northern Illinois 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 Share (Savings)
0.04%APY
Opening a share account establishes membership/ownership in the credit union. Minimum $25 deposit/balance required as a condition of membership. Rates adjusted and paid quarterly on the average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum $25 balance required for share savings accounts. Dividends compounded and credited quarterly on average daily balance.$25 and up | 0.04% | $4 | Minimum $25 balance required for share savings accounts. Dividends compounded and credited quarterly on average daily balance. |
Special-purpose accounts
Club Account
0.04%APY
Designed to help set aside funds for monthly or early expenses (e.g., home improvements, taxes, auto repairs). Dividends are compounded and credited quarterly. Rates adjusted and paid quarterly on the average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceProspective APY listed. Dividends compounded and credited quarterly.Any balance | 0.04% | $4 | Prospective APY listed. Dividends compounded and credited quarterly. |
Who can join Northern Illinois 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
- Individuals who live, work, attend school, or worship in DeKalb County are eligible for membership.
- Individuals who live, work, attend school, or worship in Lee County are eligible for membership.
- Individuals who live, work, attend school, or worship in Ogle County are eligible for membership.
Military, government and schools
- Employees of DeKalb Public Library are eligible for membership.
- Members or employees of Illinois Association of School Business Officials are eligible for membership.
- Employees or affiliates of Northern Illinois University are eligible for membership.
2 more ways to join
Family and household
- Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, step, and adoptive relations) of current members are eligible for membership.
- Members of the same household as current members (defined as persons living in the same residence forming a single economic unit) are eligible for membership.
Cost to join
- An opening deposit of $25 by cash, check, or card is required to open a membership account.
Membership information collected October 5, 2026.