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Savings Options

We believe a penny saved is a penny earned.

With all accounts, you can take advantage of Bank-by-Phone and/or Online Banking at no charge.

Dividends on all savings accounts are calculated daily, compounded and paid monthly.

Membership Savings

Membership begins with a minimum $5 deposit into a membership savings account. The minimum $5 balance is also required to earn the advertised Annual Percentage Yield.

• Your membership savings can serve as overdraft protection for a checking account
• Nationwide access with no transaction charge through CO-OP Shared Branching, or with a debit card at IU Credit Union, Alliance One, or CO-OP Network ATMs (a checking account is required to receive debit card).

View Savings Rates


Money Market Savings

• Requires a minimum balance of $1,000—$10 monthly service charge if balance falls below $1,000 during the month.

• Requires a minimum balance of $0.01 to earn the Annual Percentage Yield.

• Unlimited transactions (deposits, loan payments, transfers or withdrawals) completed in person or by mail

• Maximum of six pre-authorized*, automatic or telephonic transfers (e.g. Bank-by-Phone or Online Banking) during a calendar month

View Money Market Savings Rates



You may establish one or more additional savings accounts to set aside money for special reasons such as a vacation, Christmas, or any reason you choose.

View Special Savings Rates


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Related topics:

  • Financial Calculators
  • Certificates
  • IRAs
  • Investment Services
  • What to Bring to Open an Account

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