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.
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
Market1
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
Christmas
Club1
 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.
Grow with Us!
We can help with each step of your financial journey.
High Yield
Money Market1
Give your savings a boost with a High Yield Money Market1 savings account!
This offer is available for New Funds only.
  • 3.65% APY1 7 - Month Intro Rate
  • No Monthly fee
  • Dividends earned² 
  • Grow your money with a premium rate
  • Flexibility to access your funds
1Membership savings account required. Dividends are compounded monthly and credited on the last day of every month. Dividend Rate 3.59%. $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. 2APY = Annual Percentage Yield. APY is accurate as of 01.01.2025. 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 01.01.2025. 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.

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

High Yield Money Market
Minimum Balance
$5
$2,500
$0
$5
 $5 $15,000
Pays interest
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Purpose


For those with a consumer driven health plan

For those under 18 years
Convenient Debit Card

Yes checkmark
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Free Internet/Mobile Banking Yes checkmark
 Yes checkmark
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Free eStatements Yes checkmark
 Yes checkmark
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Maintenance Fee
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If account falls
below $2,500



Current Rates

SAVINGS ACCOUNTS


ACCOUNT TIER DIVIDEND RATE APY
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%
Money Market Account³ $2,500-$19,999 1.40% 1.41%

$20,000-$49,999 1.70% 1.71%

$50,000-$99,999 2.00% 2.02%

$100,000-$249,999 2.40% 2.43%

$250,000+ 2.60% 2.63%
Health Savings Account4 $1-$2,499 0.75% 0.75%

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

$10,000+ 1.50% 1.51%
Minor Savings Account5 N/A 0.30%
0.30%
¹Dividend rate is variable and may change after account is opened. Rate is accurate as of  01.01.2025. $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 01.01.2025. Fees may reduce earnings.
³Dividend rate is variable and may change after account is opened. Rate is accurate as of 01.01.2025. $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 01.01.2025. Fees may reduce earnings.
 5Dividend rate is variable and may change after account is opened. Rate is accurate as of 01.01.2025. Fees may reduce earnings.


¹ All accounts require a membership savings account.
² Dividends are compounded monthly and credited on the last day of every month.
³Approval Required.
*Standard text messaging rates may apply.