Credit union · NCUA insured
Vicinity Credit Union Savings Rates
Vicinity Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Vicinity Credit Union’s savings rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Vicinity Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vicinity Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
United Trust Bank
3.90%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $390
Vicinity Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.50%
- 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.
Where Vicinity 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
0.50%APY
Dividends paid quarterly. $500.00 minimum balance. Up to 6 withdrawals per month penalty-free ($5.00 penalty per withdrawal after).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $20,000Dividends paid quarterly. | 0.50% | $50 | Dividends paid quarterly. |
| $20,000 – $50,000Dividends paid quarterly. | 1.50% | — | Dividends paid quarterly. |
| Over $50,000Dividends paid quarterly. | 2.50% | — | Dividends paid quarterly. |
Sources (2)
All captured Oct 6, 2026
Regular Share Savings
0.02%APY
Membership account with Vicinity Credit Union required for membership. $25.00 minimum balance. Dividends are compounded daily and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance $25.$25 and up | 0.02% | $2 | Minimum balance $25. |
Sources (2)
All captured Oct 6, 2026
Savings Incentive Account
0.02%APY
No minimum balance stated on product page. Contribute via payroll deduction, funds transfer, or deposit. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum balance $500.$500 and up | 0.02% | $2 | Minimum balance $500. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Traditional/Roth IRA
2.00%APY · 2 terms
IRAs have term-specific balances. Terms: 12, 18, 24, 30 months.
| Term | APY · $200 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 2.00% | — | 2.00% | $200 |
| 24 months | — | 2.00% | 2.00% | $404 |
Sources (2)
All captured Oct 6, 2026
CPS Deferred Savings
0.02%APY
Must be a Chicago Public Schools Employee. Funded through regular payroll deductions, funds transfer, or deposit to supplement income between school years. $25.00 minimum balance on product page. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum deposit $500.Any balance | 0.02% | $2 | Minimum deposit $500. |
Sources (2)
All captured Oct 6, 2026
Holiday Club Savings
0.02%APY
$5.00 minimum balance on product page. Contribute via payroll deduction, funds transfer, or deposit. Dividends paid quarterly. Funds automatically transferred to savings accounts on October 31st of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance $100.$100 and up | 0.02% | $2 | Minimum balance $100. |
Sources (2)
All captured Oct 6, 2026
Vacation Club Savings
0.02%APY
$5.00 minimum balance on product page. Contribute via payroll deduction, funds transfer, or deposit. Dividends paid quarterly. Funds automatically transferred to savings accounts on May 31st of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance $100.$100 and up | 0.02% | $2 | Minimum balance $100. |
Sources (2)
All captured Oct 6, 2026
Who can join Vicinity 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 worship in Cook County, Illinois are eligible for membership.
Employers and groups
- Individuals who qualify through their employer are eligible for membership.
Family and household
- Relatives (child, stepchild, parent, step parent, spouse, sibling, step sibling) of a current member are eligible for membership.
Cost to join
- Opening a membership account requires a $25 opening deposit into a Regular Share Savings account, which must maintain a $25 minimum balance at all times.
Membership information collected October 5, 2026.