Credit union · NCUA insured
U of I Community Credit Union Savings Rates
Top CarrotU of I Community Credit Union’s best savings rate is 0.40% APY on $10,000, with its Illini Draft Money Market Account. Rates checked October 16, 2026.
How U of I Community Credit Union’s savings rates compare
Compared with banks and credit unions near Champaign, IL, where U of I Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
U of I Community Credit Union
0.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $40
Illini Draft Money Market Account
Top rate
INB
3.45%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $345
2nd-highest rate
Bank of Rantoul
2.53%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $253
U of I Community Credit Union savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.40%
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 U of I Community 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.
Jump Start Savings Account
0.01%APY
Limit 1 per membership. Withdraw money whenever ready.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier $0.00-$5000.00 | 2.00% | — | Tier $0.00-$5000.00 |
| Over $5,000Tier $5000.01 and up | 0.01% | $1 | Tier $5000.01 and up |
Sources (1)
- uoficreditunion.org/banking/savings · captured Sep 17, 2026
Jumbo Money Market Account
0.40%APY
Higher rate paid only on the portion of the balance above $50,000. NCUA insured.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000 | 0.40% | $40 | |
| $50,000 and upHigher rate paid only on the portion of the balance above $50,000. | 1.50% | — | Higher rate paid only on the portion of the balance above $50,000. |
Sources (1)
- uoficreditunion.org/banking/money-market-accounts · captured Sep 17, 2026
Illini Draft Money Market Account
0.40%APY
There is no service charge for balances that fall under $2,500. NCUA insured. Access funds by check or electronic transfer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.20% | — |
| $2,500 – $25,000 | 0.40% | $40 |
| $25,000 and up | 0.75% | — |
Sources (1)
- uoficreditunion.org/banking/money-market-accounts · captured Sep 17, 2026
Share Savings Account
0.01%APY
Establish credit union membership. Parents can open for children newborn and up with birth certificate and original social security card (guardian must be joint owner).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.01% | $1 |
Sources (1)
- uoficreditunion.org/banking/savings · captured Sep 17, 2026
Special-purpose accounts
Holiday Club Account
0.01%APY
Funds automatically transfer to Share Savings Account the first week of October. $5 access fee for early withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- uoficreditunion.org/banking/savings · captured Sep 17, 2026
IRA Share Savings Account
0.01%APY
Subject to IRS terms and conditions. No penalty for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- uoficreditunion.org/banking/savings · captured Sep 17, 2026
Vacation Savings Account
0.01%APY
Listed as Vacation Club in the rate table. Use funds from Vacation Savings Account to purchase a Travel Card and fee will be waived.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- uoficreditunion.org/banking/savings · captured Sep 17, 2026
Who can join U of I Community 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 can join based on their home address.
Employers and groups
- Individuals can join through their employer.
Family and household
- Individuals can join through another member.
Other ways
- Individuals can join through The Community Impact Fund.
Cost to join
- Join for just $1.
Membership information collected October 5, 2026.