Credit union · NCUA insured
Rock Valley Credit Union Savings Rates
Top CarrotRock Valley Credit Union’s best savings rate is 0.15% APY on $10,000, with its Primary Savings. Rates checked October 16, 2026.
How Rock Valley Credit Union’s savings rates compare
Compared with banks and credit unions near Rockford, IL, where Rock Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rock Valley Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Secondary Savings
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Rock Valley Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 Rock Valley 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.
Primary Savings
0.15%APY
$25 minimum deposit required in a share savings account to establish credit union membership. Dividends paid quarterly. Rate may change after account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA $25 minimum deposit is required in a share savings account to establish credit union membership. Dividends paid quarterly. The rate may change after the account is opened. Fees could reduce earnings.Any balance | 0.15% | $15 | A $25 minimum deposit is required in a share savings account to establish credit union membership. Dividends paid quarterly. The rate may change after the account is opened. Fees could reduce earnings. |
Secondary Savings
0.15%APY
No minimum balance required. Rate may change after account is opened. Optional ATM card available with $260 daily withdrawal limit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. Rate may change after the account is opened. Fees could reduce earnings. Optional ATM card available for withdrawals (daily limit $260, cannot be used for purchases).Any balance | 0.15% | $15 | No minimum balance required. Rate may change after the account is opened. Fees could reduce earnings. Optional ATM card available for withdrawals (daily limit $260, cannot be used for purchases). |
Special-purpose accounts
IRAs
0.50%APY
Offers Traditional and Roth IRA savings options. No minimum balance requirement. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirement. Dividends paid quarterly. Rate may change after the account is opened. Fees could reduce earnings. A $25 minimum deposit is required in a share savings account to establish credit union membership. Covers Traditional and Roth IRAs.Any balance | 0.50% | $50 | No minimum balance requirement. Dividends paid quarterly. Rate may change after the account is opened. Fees could reduce earnings. A $25 minimum deposit is required in a share savings account to establish credit union membership. Covers Traditional and Roth IRAs. |
Health Savings Account (HSA)
0.15%APY
Must have a High Deductible Health Plan (HDHP). No minimum balance requirement. No fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be combined with a High Deductible Health Plan (HDHP). No minimum balance requirement. No fees. Rate may change after the account is opened. Fees could reduce earnings. A $25 minimum deposit is required in a share savings account to establish credit union membership.Any balance | 0.15% | $15 | Must be combined with a High Deductible Health Plan (HDHP). No minimum balance requirement. No fees. Rate may change after the account is opened. Fees could reduce earnings. A $25 minimum deposit is required in a share savings account to establish credit union membership. |
Wags Kids Savings Club
0.15%APY
For kids 17 and younger. Parent or legal guardian must be joint owner. Dividends paid quarterly. Eligible for quarterly drawing by depositing $1 or more into primary share account within the quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor kids 17 and younger. A parent or legal guardian must be a joint owner. No fees. $25 minimum balance to open. Dividends paid quarterly. Rate may change after opening. Fees could reduce earnings. Depositing $1 or more into the primary share account within the applicable quarter qualifies for quarterly $500 cash prize drawing.Any balance | 0.15% | $15 | For kids 17 and younger. A parent or legal guardian must be a joint owner. No fees. $25 minimum balance to open. Dividends paid quarterly. Rate may change after opening. Fees could reduce earnings. Depositing $1 or more into the primary share account within the applicable quarter qualifies for quarterly $500 cash prize drawing. |
Sources (1)
- rockvalleycreditunion.org/save · captured Sep 17, 2026
Who can join Rock Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, or attends school in Winnebago, Boone, Ogle, DeKalb, Lee, or Stephenson counties in Illinois, or in Green, Rock, or Walworth counties in Wisconsin.
Family and household
- Membership extends to anyone in the immediate family, defined as any relative by blood or marriage, domestic partners, and foster or adopted children.
Membership information collected October 5, 2026.