Credit union · NCUA insured
Premier Credit Union Savings Rates
Premier Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Premier Credit Union’s savings rates compare
Compared with banks and credit unions near Des Moines, IA, where Premier Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Premier Credit Union
0.20%APY
- Minimum
- —
- Earns on $10,000 a year
- $20
Money Market Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Iowa Trust
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Premier Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0003.35%
- QualifiedQualified0.20%
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 Premier 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.
Premier Money Market
Up to 3.80%APY
Dividends compounded monthly. $10.00/month fee if balance falls below $25,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $50,000Fee of $10.00/month applies if balance falls below $25,000 minimum balance. | 1.50% | — | Fee of $10.00/month applies if balance falls below $25,000 minimum balance. |
| $50,000 – $100,000Fee of $10.00/month applies if balance falls below $25,000 minimum balance. | 1.60% | — | Fee of $10.00/month applies if balance falls below $25,000 minimum balance. |
| $100,000 – $200,000Fee of $10.00/month applies if balance falls below $25,000 minimum balance. | 1.85% | — | Fee of $10.00/month applies if balance falls below $25,000 minimum balance. |
| $200,000 – $300,000Fee of $10.00/month applies if balance falls below $25,000 minimum balance. | 2.05% | — | Fee of $10.00/month applies if balance falls below $25,000 minimum balance. |
| $300,000 – $500,000Fee of $10.00/month applies if balance falls below $25,000 minimum balance. | 2.10% | — | Fee of $10.00/month applies if balance falls below $25,000 minimum balance. |
| $500,000 – $700,000Fee of $10.00/month applies if balance falls below $25,000 minimum balance. | 2.25% | — | Fee of $10.00/month applies if balance falls below $25,000 minimum balance. |
| $700,000 – $1,000,000Fee of $10.00/month applies if balance falls below $25,000 minimum balance. | 3.60% | — | Fee of $10.00/month applies if balance falls below $25,000 minimum balance. |
| $1,000,000 and upFee of $10.00/month applies if balance falls below $25,000 minimum balance. | 3.80% | — | Fee of $10.00/month applies if balance falls below $25,000 minimum balance. |
Sources (1)
- premiercu.org/services/loans/rates-fees · captured Oct 16, 2026
Money Market Account
0.20%APY
Dividends compounded monthly. $10.00/month fee if balance falls below $2,000 minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Fee of $10.00/month applies if balance falls below $2,000 minimum balance. | 0.15% | — | Fee of $10.00/month applies if balance falls below $2,000 minimum balance. |
| $10,000 – $25,000Fee of $10.00/month applies if balance falls below $2,000 minimum balance. | 0.20% | $20 | Fee of $10.00/month applies if balance falls below $2,000 minimum balance. |
| $25,000 – $50,000Fee of $10.00/month applies if balance falls below $2,000 minimum balance. | 0.25% | — | Fee of $10.00/month applies if balance falls below $2,000 minimum balance. |
| $50,000 – $100,000Fee of $10.00/month applies if balance falls below $2,000 minimum balance. | 0.25% | — | Fee of $10.00/month applies if balance falls below $2,000 minimum balance. |
| $100,000 and upFee of $10.00/month applies if balance falls below $2,000 minimum balance. | 0.25% | — | Fee of $10.00/month applies if balance falls below $2,000 minimum balance. |
Sources (1)
- premiercu.org/services/loans/rates-fees · captured Oct 16, 2026
Membership Savings
0.05%APY
Represents ownership of the credit union and makes member eligible for all products and services. Dividends credited and compounded monthly. Can be used for overdraft protection. Free online banking, eStatements, and mobile deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends paid monthly on balance of $100 or greater. No monthly service fee.$100 and up | 0.05% | $5 | Dividends paid monthly on balance of $100 or greater. No monthly service fee. |
Sources (2)
All captured Oct 16, 2026
Special Savings
0.05%APY
Dividends credit and compound annually. Rates subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 and up | 0.05% | $5 |
Sources (1)
- premiercu.org/services/loans/rates-fees · captured Oct 16, 2026
Premier+ Money Market
0.00%APY on $10,000
Membership eligibility and $5 Primary Share required. Limit one Premier+ Money Market product per account. Blended rate account paying different dividend rates on the amount in each tier. Dividends compounded monthly. No dividends earned for any day balance is below $20,000 minimum daily balance.
| Part of the balance | Rate on that part |
|---|---|
| $20,000 – $100,000 | 1.74% |
| $100,000 – $250,000 | 2.03% |
| $250,000 and up | 2.33% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Holiday Savings
0.05%APY
Build balance through deposits from another account, direct deposit, or automatic transfer. Dividends credit and compound annually. Funds disbursed the first week of October.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
Kirby Kangaroo Club Savings Account
0.05%APY
Designed for children 12 and under (with help of parent/guardian). Dividends calculated using daily balance method and credited/compounded monthly. Includes free piggy bank, Kirby Bucks to redeem for prizes, and activities.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires $5 minimum balance / opening deposit. Dividends earned on balances of $10 or more. No monthly service fees.$10 and up | 0.05% | $5 | Requires $5 minimum balance / opening deposit. Dividends earned on balances of $10 or more. No monthly service fees. |
Sources (2)
All captured Oct 16, 2026
Who can join Premier 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 or work in approved counties in Iowa, Nebraska, or South Dakota are eligible for membership.
Family and household
- Family and household members of current Premier Credit Union members are eligible for membership.
Cost to join
- Membership requires a $5 initial share deposit to open your first account.
Membership information collected October 4, 2026.