Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Welcome Back
Access Your Accounts Here
A father hugging his child

Personal Savings

At IMCU, Your Goals Matter.

IMCU offers a variety of savings solutions to fit your needs and set you on the path to success.

Membership Savings¹
This account offers a way to keep your savings separate from your daily spending funds, whether your goal is to save for a vacation, a rainy day or for emergencies, this simple account will allow you access when you need it.
  •  $50 initial deposit & minimum balance
  • No Monthly fee
  • Dividends earned² 
  • Free Affinity Debit Card -click for options
 
¹All accounts require a membership savings account
² Dividends are compounded monthly and credited on the last day of every month.
³ Standard text messaging rates may apply
Money Market ¹
This account is designed for those that tend to carry a higher balance in their savings account, and provides a better rate of return. It’s intended for long-term savings
  • $2,500 initial deposit & minimum balance
  • No Monthly fee
  • Dividends earned² 
  
¹All accounts require a membership savings account.
² Dividends are compounded monthly and credited on the last day of every month.
³ Standard text messaging rates may apply.
 
HSA¹
This account is specifically designed for those with a High Deductible Health Plan, interested in saving for health care expenses. Contributions made to HSAs are tax deductible, earnings are tax-deferred, and may be tax-free if used to pay for qualified health care expenses²
 
¹ All accounts require a membership savings account.
² IMCU is not licensed to provide tax advice). There is no “use it or lose it” provision, so you have the ability to carry over the funds not used throughout the year.
³ Dividends are compounded monthly and credited on the last day of every month.
Standard text messaging rates may apply

 For Employers:

The Indiana Members Credit Union HSA has no minimum balance or initial deposit, and no monthly fee, offers a free IMCU Health Savings Debit Card and free Online Banking, too. Not to mention, IMCU currently has one of the best rates in town. In addition, IMCU representatives will come on site to answer questions employees may have and take care of opening their accounts, on the spot, saving time and resources. Alternatively, your employees can open their HSA at any IMCU branch.
 
If you’d like to know more about making this affordable option available to your employees, call Gina Terril, Business Development Manager, at 317.554.8163 or ginat@imcu.com
  • No application or setup fees to open the account
  • No monthly or annual maintenance fees
  • Competitive rate of return
  •  Free eStatements
  •  Funds can be withdrawn at the branch, ATM, or by using your HSA debit card
  •  Account activity can be reviewed online
Christmas Club ¹
 This account offers a separate savings option for those that like to keep funds for certain savings goals.
  • $5 initial deposit & no minimum balance
  • No Monthly fee
  • Dividends earned²
¹ All accounts require a membership savings account
² Dividends are compounded monthly and credited on the last day of every month.
³ Standard text messaging rates may apply.
Minor Account¹
 Designed for those under age 18, this account can be set up with as little as $5 when direct deposit is set up to transfer into the account.
  • $50 initial deposit & minimum balance
  • No Monthly fee
  • Dividends earned²
 
¹ All accounts require a membership savings account
² Dividends are compounded monthly and credited on the last day of every month.
³ Standard text messaging rates may apply.

Compare Accounts

Which IMCU savings account is the best option for you?


Membership savings Account

money market account

health savings account

christmas club savings account

minor savings account

Minimum Balance
$50
$2,500
$0
$5
$50
Pays interest
Yes checkmark
Yes checkmark
Yes checkmark
Yes checkmark
Yes checkmark
Purpose


For those with a high
deductible health plan

For those under 18 years
Convenient Debit Card
 
Yes checkmark


Yes checkmark
 


Yes checkmark
Free Internet/Mobile Banking Yes checkmark
Yes checkmark
Yes checkmark

Yes checkmark

Yes checkmark

Free eStatements Yes checkmark
Yes checkmark
Yes checkmark
Yes checkmark
Yes checkmark
Maintenance Fee
Yes checkmark
If account falls
below $2,500




Current Rates

Savings Accounts


ACCOUNT TERM APY APR
Membership Savings Account² N/A 0.25% N/A
Money Market Account³ $2500-$9,999 0.60% -

$10,000-$19,999 0.70% -

$20,000-$99,999 0.85% -

$100,000+ 1.00% -
Health Savings Account4 N/A 1.50% N/A
Christmas Club Account4 N/A 0.25% N/A
Minor Savings Account5 N/A 0.25% N/A
¹Dividend rate is variable and may change after account is opened. Rate is accurate as of 10.1.2018. $1,000 minimum balance required to earn dividends.
Fees may reduce earnings. All terms above subject to change without notice.
²Dividend rate is variable and may change after account is opened. Rate is accurate as of 10.1.2018. $50 minimum balance required to earn dividends. Fees may reduce earnings.
³Dividend rate is variable and may change after account is opened. Rate is accurate as of 10.1.2018. $2,500 minimum balance required to earn dividends. Fees may reduce earnings.
4Dividend rate is variable and may change after account is opened. Rate is accurate as of 10.1.2018. $5 minimum balance required to earn dividends. Fees may reduce earnings.
5Dividend rate is variable and may change after account is opened. Rate is accurate as of 10.1.2018. $50 minimum balance required to earn dividends. Fees may reduce earnings.
 
 
 
 

Invest In Your Future With Financial Management Services

Build Your Credit & Earn Rewards At The Same Time

Indiana Members Foundation