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Deposit Rates

Watching your money grow is a great feeling. It’s the progress that helps you plan with confidence and move closer to what matters most. At Indiana Members Credit Union, we offer competitive rates designed to support your financial goals. 
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Our deposit rates help members make the most of their savings.

Maybe you’re building savings and want a secure place for your money to grow. Maybe you’re looking for competitive checking, savings, or certificate rates that support your everyday banking and future plans. Whatever your goal, there’s one place to turn for dependable deposit rates at IMCU, where we’re committed to helping you save with confidence in Indiana.

 

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Certificates
Rates As High As
4.30%

APY7

High Yield Money Market
7-Month Intro
3.00%

APY4








Account Tier Dividend Rate APY
Preferred Checking1 $2,500+ 0.25% 0.25%
Membership Savings and Christmas Club Accounts2 $0-$999 0.05% 0.05%

$1,000-$9,999 0.15% 0.15%

$10,000+ 0.30% 0.30%
 
 
1APY = Annual Percentage Yield. Membership savings account required. Minimum balance of $2,500 required to earn dividends. Fees may reduce earnings.  Rates effective 09.01.2026 and subject to change at any time. Dividend rate is variable and may change after account is opened.
 
2APY = Annual Percentage Yield. Membership savings account required. Rates effective 09.01.2026 and subject to change at any time. Dividend rate is variable and may change after account is opened.
Account Tier Dividend Rate APY
Money Market Account3 $2,500-$19,999 1.00% 1.00%

$20,000-$49,999 1.30% 1.31%

$50,000-$99,999 1.60% 1.61%

$100,000-$249,999 2.00% 2.02%

$250,000+ 2.20% 2.22%
High Yield Money Market4 $15,000+ 2.96% 3.00%
 
 
3APY = Annual Percentage Yield. Membership savings account required. Minimum balance of $2,500. Rates effective 09.01.2026 and subject to change at any time. Dividend rate is variable and may change after account is opened.  
 
4Membership savings account required. Dividends are compounded monthly and credited on the last day of every month. Dividend Rate 3.00% APY. APY = Annual Percentage Yield. $50 minimum deposit and opening balance required. Promotional rate is paid only if balance is $15,000 or more. If balance is less than $15,000, the rate paid will be equal to the savings rate. New funds only, transfer restrictions apply. Available only on consumer accounts. APY is accurate as of 09.01.2026. If the balance falls below $15,000, the rate paid will be equal to the savings rate, according to the tier rate structure, as of 09.01.2026. Fees may reduce earnings. After the 7 month promo period (effective 7 months after High Yield Money Market opening date), the account will convert to a money market account and be subject to balance, rate and terms associated with the money market account. Offer may be discontinued at any time.
Account Tier Dividend Rate APY
Health Savings Account5 $1-$2,499 0.75% 0.75%

$2,500-$9,999 1.00% 1.00%

$10,000+ 1.50% 1.51%
 
 
5Membership savings account required. $10,000 minimum balance required for 1.51% APY. APY = Annual Percentage Yield. See tier rate structure for details. Dividend rate is variable and equal to 1.50%. Rate subject to change and effective as of 09.01.2026. Indiana Members is not licensed to provide tax advice. **Funds may not be used to cover any overdrafts on an HSA checking account while invested in a certificate. Certain restrictions apply consult your tax advisor.
Term Dividend Rate APY
6 Month 3.68% 3.75%
12 Month 3.69% 3.75%
13 Month6 4.07% 4.15%
24 Month 3.20% 3.25%
36 Month 3.45% 3.51%
48 Month 2.96% 3.00%
60 Month 2.96% 3.00%
70 Month7 4.22% 4.30%
84 Month 2.23% 2.25%
 
 
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings.  

613-Month certificate account only. APY = Annual Percentage Yield. 4.00% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings. Will renew to the 12-month certificate account if auto-renew is chosen. 

770-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings. Will renew to the 60-month certificate account if auto-renew is chosen. 
Term Dividend Rate APY
6 Month 3.68% 3.75%
12 Month 3.69% 3.75%
13 Month6 4.07% 4.15%
24 Month 3.20% 3.25%
36 Month 3.45% 3.51%
48 Month 2.96% 3.00%
60 Month 2.96% 3.00%
70 Month7 4.22% 4.30%
84 Month 2.23% 2.25%
 
 
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings.   

613-Month certificate account only. APY = Annual Percentage Yield. 4.00% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings. Will renew to the 12-month certificate account if auto-renew is chosen. 

770-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings. Will renew to the 60-month certificate account if auto-renew is chosen. 
Term Dividend Rate APY
6 Month 3.68% 3.75%
12 Month 3.69% 3.75%
13 Month6 4.07% 4.15%
24 Month 3.20% 3.25%
36 Month 3.45% 3.51%
48 Month 2.96% 3.00%
60 Month 2.96% 3.00%
70 Month7 4.22% 4.30%
84 Month 2.23% 2.25%
 
 
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings.

613-Month certificate account only. APY = Annual Percentage Yield. 4.00% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings. Will renew to the 12-month certificate account if auto-renew is chosen. 

770-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings. Will renew to the 60-month certificate account if auto-renew is chosen. 
Term Dividend Rate APY
N/A 1.50% 1.51%7
 
 
8APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Not eligible for online opening. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. 








7Certificates - 70-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 09.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings. Will renew to the 60-month certificate account if auto-renew is chosen. 
 
4High Yield Money Market - Dividend Rate 3.00% APY. APY = Annual Percentage Yield. Membership savings account required. Dividends are compounded monthly and credited on the last day of every month. $50 minimum deposit and opening balance required. Promotional rate is paid only if balance is $15,000 or more. If balance is less than $15,000, the rate paid will be equal to the savings rate. New funds only, transfer restrictions apply. Available only on consumer accounts. APY is accurate as of 09.01.2026. If the balance falls below $15,000, the rate paid will be equal to the savings rate, according to the tier rate structure, as of 09.01.2026. Fees could reduce earnings. After the 7 month promo period (effective 7 months after High Yield Money Market opening date), the account will convert to a money market account and be subject to balance, rate and terms associated with the money market account. Offer may be discontinued at any time.
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Whether you are financing a car, home, or personal expense, IMCU offers competitive loan options to support your next step.