Credit union · NCUA insured
REGIONAL federal credit union Savings Rates
REGIONAL federal credit union’s best savings rate is 0.44% APY on $10,000, with its Daily Cash Account (DCS). Rates checked October 15, 2026.
How REGIONAL federal credit union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where REGIONAL federal credit union has the most branches. $10,000, best rate first.
This credit union’s best
REGIONAL federal credit union
0.44%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $44
Daily Cash Account (DCS)
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
REGIONAL federal credit union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.44%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.44%
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 REGIONAL 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.
Daily Cash Account (DCS)
0.44%APY
Dividends calculated by daily balance method applying a daily periodic rate to the principal each day. Minimum daily balance required to obtain the APY. No more than 6 preauthorized, automatic, or telephone transfers per month, with no more than 3 transfers by check, draft, or debit card to a third party.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $5,000 | 0.20% | — |
| $5,000 – $10,000 | 0.20% | — |
| $10,000 – $25,000 | 0.44% | $44 |
| $25,000 – $50,000 | 0.64% | — |
| $50,000 and up | 0.90% | — |
Sources (2)
- regionalfcu.org/disclosures/rate-and-fee-schedule
- regionalfcu.org/disclosures/tr…ings-account-disclosures
All captured Sep 18, 2026
Daily Cash Account (DCA)
Up to 0.44%APY
No minimum balance, no penalties or fees for withdrawals. Earns tiered rates on balances of $2,500 or more. Account transfer limitations apply (max 6 preauthorized/automatic/telephone transfers per month, max 3 by check/draft/debit card).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.20% | $20 |
| $5,000 and up | 0.20% | $20 |
| $10,000 and up | 0.44% | $44 |
| $25,000 and up | 0.64% | — |
| $50,000 and up | 0.90% | — |
Regular Savings
0.10%APY
Primary account required to keep REGIONAL membership current ($5.00 minimum balance). Earns interest on balances over $200. Account transfer limitations apply (max 6 preauthorized/automatic/telephone transfers per month, max 3 by check/draft/debit card).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 and up | 0.10% | $10 |
Special Savings
0.10%APY
Custom named savings account for specific goals. Earns interest on balances over $200. No minimum balance requirement. Account transfer limitations apply (max 6 preauthorized/automatic/telephone transfers per month, max 3 by check/draft/debit card).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 and up | 0.10% | $10 |
Special-purpose accounts
IRA Savings
Up to 1.01%APY
Offers Traditional and Roth IRA savings options. Interest is paid on balances over $0.01. No account transfer limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
| $1,000 and up | 0.25% | $25 |
| $5,000 and up | 1.01% | $101 |
Christmas Savings
0.10%APY
No minimum balance. Penalty-free withdrawals allowed between November 1st and December 31st each year. Entire balance paid by check or transferred to another account on or after November 1 and account remains open. $15 fee for early withdrawals made before November 1. Transfers/withdrawals in the first 7 days after account opening are without restriction.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $200 | 0.00% | — |
| $200 – $1,000 | 0.10% | — |
| $1,000 – $2,500 | 0.10% | — |
| $2,500 and up | 0.10% | $10 |
Sources (3)
- regionalfcu.org/disclosures/rate-and-fee-schedule
- regionalfcu.org/disclosures/tr…ings-account-disclosures
- regionalfcu.org/bank/savings
All captured Sep 18, 2026
Who can join REGIONAL 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, worships, or attends school or business in Lake and Porter Counties in Indiana.
Membership information collected October 5, 2026.