Credit union · NCUA insured
UW Credit Union Savings Rates
Top CarrotUW Credit Union’s best savings rate is 2.93% APY on $10,000, with its Investor's Indexed Money Market. Rates checked October 16, 2026.
How UW Credit Union’s savings rates compare
Compared with banks and credit unions near Madison, WI, where UW Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UW Credit Union
2.93%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $293
Investor's Indexed Money Market
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
UW Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0002.93%
- $100,000 balance$100,0003.13%
- QualifiedQualified2.93%
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 UW 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.
Investor's Indexed Money Market
2.93%APY
Dividends are earned on all days with a balance of $10,000 or more. A $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $49,999Dividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 1.10%. Compounded daily and paid monthly. | 2.93% | $293 | Dividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 1.10%. Compounded daily and paid monthly. |
| $50,000 – $99,999Dividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 1.0%. Compounded daily and paid monthly. | 3.03% | — | Dividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 1.0%. Compounded daily and paid monthly. |
| $100,000 – $249,999Dividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 0.90%. Compounded daily and paid monthly. | 3.13% | — | Dividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 0.90%. Compounded daily and paid monthly. |
| $250,000 and upDividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 0.80%. Compounded daily and paid monthly. | 3.23% | — | Dividends are earned on all days with a balance of $10,000 or more. $15 monthly service fee applies if $10,000 balance is not maintained all days of the month. Dividend rate may change weekly based on an index between 70% and 130% of the 3-month CMT rate; APY will be no less than index minus 0.80%. Compounded daily and paid monthly. |
Sources (2)
All captured Oct 5, 2026
Investor's Advantage Money Market
1.61%APY
Rates are variable and may change after the account is opened. Compounded daily and paid monthly. No monthly fee or minimum balance required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Variable rate. Compounded daily and paid monthly. No monthly fee. | 0.50% | — | Variable rate. Compounded daily and paid monthly. No monthly fee. |
| $2,500 – $7,499Variable rate. Compounded daily and paid monthly. No monthly fee. | 0.70% | — | Variable rate. Compounded daily and paid monthly. No monthly fee. |
| $7,500 – $9,999Variable rate. Compounded daily and paid monthly. No monthly fee. | 1.00% | — | Variable rate. Compounded daily and paid monthly. No monthly fee. |
| $10,000 – $24,999Variable rate. Compounded daily and paid monthly. No monthly fee. | 1.61% | $161 | Variable rate. Compounded daily and paid monthly. No monthly fee. |
| $25,000 – $49,999Variable rate. Compounded daily and paid monthly. No monthly fee. | 2.09% | — | Variable rate. Compounded daily and paid monthly. No monthly fee. |
| $50,000 and upVariable rate. Compounded daily and paid monthly. No monthly fee. | 2.57% | — | Variable rate. Compounded daily and paid monthly. No monthly fee. |
Sources (2)
All captured Oct 5, 2026
Savings
0.50%APY
Basic savings account. No monthly fee with any active loan or other deposit account, minimum balance of $1,000, primary owner under age 18, or safe deposit box lease; otherwise $5 monthly fee. Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends earned on all days with a balance of $100 or more. Variable rate. Compounded daily, paid monthly.$100 and up | 0.50% | $50 | Dividends earned on all days with a balance of $100 or more. Variable rate. Compounded daily, paid monthly. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
College Fund
0.60%APY
Save for a child's college education. Funds automatically transfer to student at age 21. One custodian and one minor on account. No monthly fee. Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends earned on all days with a balance of $100 or more. Variable rate. Compounded daily, paid monthly.$100 and up | 0.60% | $60 | Dividends earned on all days with a balance of $100 or more. Variable rate. Compounded daily, paid monthly. |
Sources (2)
All captured Oct 5, 2026
IRA Savings
0.60%APY
Individual Retirement Account savings. Available as Traditional, Roth, or CESA. One account holder per account. No monthly fee. Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded daily and paid monthly. Minimum balance of $5 to open.$5 and up | 0.60% | $60 | Dividends compounded daily and paid monthly. Minimum balance of $5 to open. |
Sources (4)
- uwcu.org/savings-and-investments
- uwcu.org/savings-and-investments/iras
- uwcu.org/savings-and-investments/savings-accounts
- uwcu.org/rates/iras
All captured Oct 5, 2026
Youth Savings
0.50%APY
Available for children ages 0-17. Joint account holder required for ages 13 and younger. Automatically converts to regular savings at age 18. No monthly fee. Compounded daily, paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends earned on all days with a balance of $5 or more. Variable rate. Compounded daily, paid monthly.$5 and up | 0.50% | $50 | Dividends earned on all days with a balance of $5 or more. Variable rate. Compounded daily, paid monthly. |
Sources (2)
All captured Oct 5, 2026
Who can join UW 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, work or attend school within 5 miles of any branch location are eligible for membership.
Employers and groups
- Current and former employees of listed affiliated organizations and select employers are eligible for membership.
Military, government and schools
- Wisconsin residents who are currently enrolled at or have previously attended any accredited institution of higher education worldwide are eligible for membership.
- Employees, students, and alumni of listed University of Wisconsin schools, colleges, and extensions are eligible for membership.
Family and household
- Immediate family members (spouse, parent, child, stepchild, stepparent, grandparent, grandchild, sibling, adoptive parent/child) of any eligible person, or persons of the same residence maintaining a single economic unit, are eligible for membership.
Membership information collected October 5, 2026.