Credit union · Privately insured
United Equity Credit Union Savings Rates
Top CarrotUnited Equity Credit Union’s best savings rate is 1.21% APY on $10,000, with its Money Market Account. Rates checked October 17, 2026.
How United Equity Credit Union’s savings rates compare
Compared with banks and credit unions near Decatur, IL, where United Equity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Equity Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Free Kasasa Saver
Top rate
CEFCU
2.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $240
3rd-highest rate
1st MidAmerica Credit Union
1.81%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $181
United Equity Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.21%
- $100,000 balance$100,0001.21%
- QualifiedQualified2.00%
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 United Equity 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.
Free Kasasa Saver
Up to 2.00%APY
Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000When qualifications in Kasasa Cash or Kasasa Cash Back are met (at least 1 direct deposit, ACH payment, or bill pay transaction; at least 12 debit card purchases; enrolled in and agree to receive free e-statements during Monthly Qualification Cycle). | 2.00% | $200 | When qualifications in Kasasa Cash or Kasasa Cash Back are met (at least 1 direct deposit, ACH payment, or bill pay transaction; at least 12 debit card purchases; enrolled in and agree to receive free e-statements during Monthly Qualification Cycle). |
| Any balanceApplies to all balances if qualifications in Kasasa Cash or Kasasa Cash Back are not met. | 0.05% | $5 | Applies to all balances if qualifications in Kasasa Cash or Kasasa Cash Back are not met. |
| $25,000 and upWhen qualifications in Kasasa Cash or Kasasa Cash Back are met; balances over $25,000 earn 0.25% resulting in a range from 2.00% to 0.60% APY depending on balance. | 0.25% | — | When qualifications in Kasasa Cash or Kasasa Cash Back are met; balances over $25,000 earn 0.25% resulting in a range from 2.00% to 0.60% APY depending on balance. |
Sources (3)
- uecu.com/accounts/personal-savings
- uecu.com/accounts/personal-savings/club-savings.html
- uecu.com/accounts/personal-sav…s/free-kasasa-saver.html
All captured Sep 17, 2026
Money Market Account
1.21%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upEarn dividends by maintaining a $2,500 minimum daily average balance.$2,500 and up | 1.21% | $121 | Earn dividends by maintaining a $2,500 minimum daily average balance. |
Sources (3)
- uecu.com/accounts/personal-che…-cash-back-checking.html
- uecu.com/services/tools/rates.html
- uecu.com/accounts/personal-sav…oney-market-account.html
All captured Oct 16, 2026
Share Savings
0.15%APY
Establishes membership with United Equity Credit Union. Initial $25 deposit becomes first share in credit union. No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Special Purpose Savings Account
0.15%APY
Savings account made for a specific goal or purpose. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance needed to earn.Any balance | 0.15% | $15 | No minimum balance needed to earn. |
Special-purpose accounts
Christmas Club Account
0.25%APY
Funds transfer automatically on October 1st. Account remains open unless further withdrawals are made. Maximum balance allowed is $6,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $6,000No minimum required to open. Maximum balance allowed is $6,000.Up to $6,000 | 0.25% | — | No minimum required to open. Maximum balance allowed is $6,000. |
Sources (3)
- uecu.com/accounts/personal-savings
- uecu.com/accounts/personal-savings/club-savings.html
- uecu.com/services/tools/rates.html
All captured Sep 17, 2026
Vacation Club Account
0.15%APY
Funds available for use as needed. No minimum required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum required to open.Any balance | 0.15% | $15 | No minimum required to open. |
Sources (3)
- uecu.com/accounts/personal-savings
- uecu.com/accounts/personal-savings/club-savings.html
- uecu.com/services/tools/rates.html
All captured Sep 17, 2026
Who can join United Equity 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 living or working in Fulton, Henry, Knox, Mercer, Peoria, Stark, or Warren counties in Illinois.
Employers and groups
- Membership is available to employees, retirees, members, students, volunteers, and subcontractors of specified partner companies and organizations.
Military, government and schools
- Membership is available to employees and retirees of Decatur Firefighters.
Family and household
- Membership is available to relatives by blood or marriage, including parents, children, stepchildren, grandchildren, brothers and sisters, aunts and uncles, etc.
Membership information collected October 5, 2026.