Credit union · NCUA insured
Valley Communities Credit Union Savings Rates
Top CarrotValley Communities Credit Union’s best savings rate is 1.26% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Valley Communities Credit Union’s savings rates compare
Compared with banks and credit unions near Wausau, WI, where Valley Communities Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Communities Credit Union
1.26%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $126
Money Market
Top rate
CoVantage Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $325
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Valley Communities Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.26%
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 Valley Communities 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
1.26%APY
Tiered variable rate account. Minimum daily balance of $25.00 required to keep account open. Dividends compounded and credited monthly using the average daily balance method. Limited to 6 withdrawals/transfers per statement period (max 3 by debit card).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.60% | — |
| $10,000 – $25,000 | 1.26% | $126 |
| $25,000 – $75,000 | 2.02% | — |
| $75,000 – $200,000 | 2.27% | — |
| $200,000 and up | 2.94% | — |
High Yield Shares
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 and up | 1.00% | $100 |
Kasasa Saver
Up to 0.50%APY
Must have an open linked Kasasa Cash or Kasasa Cash Back checking account. Qualifications per Monthly Qualification Cycle: at least 1 direct deposit, ACH credit, or ACH payment; at least 12 debit card purchases; enrolled in and receive e-statements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000When qualifications are met in linked Kasasa checking account. | 0.50% | $50 | When qualifications are met in linked Kasasa checking account. |
| Any balanceBase rate earned on entire balance if monthly qualifications are not met in linked Kasasa checking account. | 0.01% | $1 | Base rate earned on entire balance if monthly qualifications are not met in linked Kasasa checking account. |
| Over $50,000When qualifications are met in linked Kasasa checking account; earns 0.33% dividend rate on portion over $50,000 resulting in a blended APY range from 0.50% to 0.33%. | 0.33% | — | When qualifications are met in linked Kasasa checking account; earns 0.33% dividend rate on portion over $50,000 resulting in a blended APY range from 0.50% to 0.33%. |
Share Savings
0.40%APY
Establishes membership in Valley Communities Credit Union (par value of 1 share is $25.00).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $1,000 | 0.10% | — |
| $1,000 – $2,500 | 0.10% | — |
| $2,500 and up | 0.40% | $40 |
Sources (5)
- valleycommunities.org/_/kcms-d…nts_Disclosures-2026.pdf
- valleycommunities.org/accounts/personal-savings
- valleycommunities.org/accounts…gs/compare-accounts.html
- valleycommunities.org/accounts…vings/share-savings.html
- valleycommunities.org/services…sources/tools/rates.html
All captured Oct 5, 2026
Escrow
0.20%APY
Voluntary escrow account to save for property taxes and/or hazard insurance; withdrawals are restricted pursuant to escrow agreement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.20% | $20 |
Special-purpose accounts
Christmas Club
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 1.00% | $100 |
Individual Retirement Accounts (IRAs) - Savings Account
1.00%APY
Available as Traditional and Roth IRA options. Annual IRS contribution limits and eligibility criteria apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 1.00% | $100 |
Who can join Valley Communities 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 all persons who live, work, or own property in Adams, Clark, Juneau, Lincoln, Marathon, Portage, Shawano, Taylor, Waupaca, Waushara, or Wood counties.
Membership information collected October 5, 2026.