Urbana Municipal Employees Credit Union Savings & Money Market Rates

How Urbana Municipal Employees Credit Union’s savings rates compare

Compared with banks and credit unions near Champaign, IL, where Urbana Municipal Employees Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Urbana Municipal Employees Credit Union
0.50%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$50
Regular Share Account
Top rate
INB
3.45%APY
Requires
Monthly account activity
Minimum
$50
Earns on $10,000 a year
$345
INB rates
2nd-highest rate
Bank of Rantoul
2.53%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$253
Bank of Rantoul rates

Compare savings rates near you →

Savings score

Higher than 45% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.50%
$10,000 balance$10,0000.50%
QualifiedQualified0.50%

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.

How the score works →

Where Urbana Municipal Employees 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.

Regular Share Account

0.50%APY

Members can deposit up to $75,000 per calendar year. Direct payroll deposit is available.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Up to $75,000Can deposit up to $75,000 per calendar year.Up to $75,000	0.50%	$50	Can deposit up to $75,000 per calendar year.

Sources (1)

umecu-urbana.com/account-information.html · captured Sep 17, 2026

Special-purpose accounts

Christmas Club Account

0.50%APYClub

Payroll deduct throughout the year; balance distributed to members on October 1st. Earns the same interest rate as Regular Share Account. $15 penalty for early withdrawal.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceEarns the same interest rate as Regular Share Account (0.50%). Balance distributed on October 1st.Any balance	0.50%	$50	Earns the same interest rate as Regular Share Account (0.50%). Balance distributed on October 1st.

Sources (1)

umecu-urbana.com/account-information.html · captured Sep 17, 2026

Who can join Urbana Municipal Employees Credit Union

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Visit institution website ↗Branches and institution details

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