Credit union · NCUA insured
UNITE Credit Union Savings Rates
UNITE Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market (S7). Rates checked October 16, 2026.
How UNITE Credit Union’s savings rates compare
Compared with banks and credit unions near Waterloo, IA, where UNITE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UNITE Credit Union
1.15%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $115
Money Market (S7)
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Collins Community Credit Union
3.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $305
UNITE Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0001.15%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.85%
- QualifiedQualified1.15%
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 UNITE 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.
Money Market (S7)
1.15%APY
Min. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. Fees could reduce earnings on account. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Min. deposit of $1,000 to open & earn dividends. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened. | 1.15% | $115 | Min. deposit of $1,000 to open & earn dividends. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened. |
| $25,000 – $50,000Min. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened. | 1.45% | — | Min. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened. |
| $50,000 – $100,000Min. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened. | 1.65% | — | Min. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened. |
| $100,000 and upMin. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened. | 1.85% | — | Min. deposit of $1,000 to open & earn dividends. Dividend rate automatically increases when you reach the next tier. Maximum of 6 withdrawals and transfers per month. Rates may vary after the account is opened. |
Sources (1)
- unite-cu.org/rates · captured Sep 18, 2026
Secondary Savings (S2)
0.10%APY
No deposit required to open. Low minimum balance ($100) to earn dividends. Can name the account to save for a special purpose at no charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened.$100 and up | 0.10% | $10 | No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. |
Share Savings (S1)
0.10%APY
Requires $5.00 to open. $100 minimum balance to earn dividends. Opening a Savings account makes you a member-owner.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $5.00 to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened.$100 and up | 0.10% | $10 | Requires $5.00 to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. |
Share Secured MasterCard (S3)
0.10%APY
Funds secured for MasterCard. Fees could reduce earnings on account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upFunds secured for MasterCard. Minimum balance to earn stated APY is $100. Fees could reduce earnings on account.$100 and up | 0.10% | $10 | Funds secured for MasterCard. Minimum balance to earn stated APY is $100. Fees could reduce earnings on account. |
Sources (1)
- unite-cu.org/rates · captured Sep 18, 2026
Special-purpose accounts
Christmas Club (S4)
0.10%APY
No deposit required to open. Low minimum balance ($100) to earn dividends. Funds are saved throughout the year and automatically transferred to savings account in late October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened.$100 and up | 0.10% | $10 | No deposit required to open. $100 minimum balance to earn dividends. Fees could reduce earnings on account. Rates may vary after the account is opened. |
IRA Share Savings (S9, S10, S11, S12)
0.10%APY
$100 minimum balance to earn dividends. Rates may vary after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn dividends. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date.$100 and up | 0.10% | $10 | $100 minimum balance to earn dividends. Rates may vary after the account is opened. APY is accurate as of the last dividend declaration date. |
Sources (1)
- unite-cu.org/rates · captured Sep 18, 2026
Who can join UNITE 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 the Iowa counties of Black Hawk, Butler, Bremer and Grundy are eligible for membership.
Employers and groups
- Employees and retirees of MidAmerican Energy are eligible for membership.
Military, government and schools
- Employees, students, alumni and faculty of the Cedar Falls School District are eligible for membership.
- Employees, faculty, alumni and students of the University of Northern Iowa are eligible for membership.
Family and household
- Families of MidAmerican Energy employees and retirees are eligible for membership.
Membership information collected October 4, 2026.