You are viewing savings rates in Lawrence, Indiana

Lawrence, Indiana Credit Union Savings Rates 2018

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

Lawrence, IN - April 22, 2018

Savings Account National Average Rate: 0.15% ?

Advertiser Disclosure
BANKS APY Vs.
Nat'l
Av.
MIN MILES ?
State Farm
Restrictions
1.51% 9.93x $5 5389.00
0.80% 5.26x $25,000 5324.05
Indiana Members
Restrictions
0.75% 4.93x $20,000 5325.74
L & N
Restrictions
0.70% 4.61x $25,000 5260.03
Centra
Restrictions
0.70% 4.61x $25,000 5298.29
U S #1364
Restrictions
0.65% 4.28x $25,000 5443.89
Indiana Members
Restrictions
0.65% 4.28x $10,000 5325.74
Crane
Restrictions
0.65% 4.28x $25,000 5333.01
0.65% 4.28x $25,000 5333.12
Centra
Restrictions
0.60% 3.95x $25,000 5298.29
0.60% 3.95x $10,000 5324.05
0.60% 3.95x $10,000 5333.12
Tech
Restrictions
0.58% 3.78x $25,000 5442.12
U S #1364
Restrictions
0.55% 3.62x $10,000 5443.89
L & N
Restrictions
0.55% 3.62x $25,000 5260.03
Hoosier Hills
Restrictions
0.55% 3.62x $25,000 5312.97
Indiana Members
Restrictions
0.55% 3.62x $2,500 5325.74
Via Credit Union
Restrictions
0.55% 3.62x $25,000 5333.54
Crane
Restrictions
0.55% 3.62x $10,000 5333.01
0.55% 3.62x $2,500 5333.12
Tech
Restrictions
0.53% 3.46x $10,000 5442.12
Afena
Restrictions
0.50% 3.29x $25,000 5334.50
Centra
Restrictions
0.50% 3.29x $5,000 5298.29
0.50% 3.29x $25,000 5262.84
Regional
Restrictions
0.48% 3.16x $25,000 5453.82
Afena
Restrictions
0.45% 2.96x $10,000 5334.50
0.45% 2.96x $25,000 5376.21
Hoosier Hills
Restrictions
0.45% 2.96x $10,000 5312.97
Via Credit Union
Restrictions
0.45% 2.96x $10,000 5333.54
Beacon
Restrictions
0.45% 2.96x $1 5341.27
Afena
Restrictions
0.40% 2.63x $2,000 5334.50
Centra
Restrictions
0.40% 2.63x $1,000 5298.29
Members Source
Restrictions
0.40% 2.63x $25,000 5451.10
Via Credit Union
Restrictions
0.40% 2.63x $2,000 5333.54
0.40% 2.63x $1,000 5324.05
0.40% 2.63x $10,000 5262.84
0.40% 2.63x $10,000 5327.29
0.35% 2.30x $25,000 5334.77
0.35% 2.30x $10,000 5376.21
Policemen's
Restrictions
0.35% 2.30x $25,000 5402.28
Hoosier Hills
Restrictions
0.35% 2.30x $2,500 5312.97
Members Source
Restrictions
0.35% 2.30x $5,000 5451.10
0.35% 2.30x $10,000 5323.96
Regional
Restrictions
0.33% 2.17x $10,000 5453.82
U S #1364
Restrictions
0.30% 1.97x $2,500 5443.89
0.30% 1.97x $25,000 5431.62
0.30% 1.97x $25,001 5336.27
L & N
Restrictions
0.30% 1.97x $5,000 5260.03
0.30% 1.97x $2,500 5376.21
0.30% 1.97x $25,000 5352.67
Allegius
Restrictions
0.30% 1.97x $25,000 5439.71
Communitywide
Restrictions
0.30% 1.97x $2,000 5400.93
Policemen's
Restrictions
0.30% 1.97x $10,000 5402.28
0.30% 1.97x $25,000 5323.94
0.30% 1.97x $1,000 5262.84
Crane
Restrictions
0.30% 1.97x $2,500 5333.01
Perfect Circle
Restrictions
0.30% 1.97x $25,000 5288.65
0.30% 1.97x $2,500 5323.96
0.30% 1.97x $20,000 5304.57
Three Rivers
Restrictions
0.25% 1.64x $25,000 5334.75
0.25% 1.64x $1,000 5431.62
Encompass
Restrictions
0.25% 1.64x $50 5342.62
0.25% 1.64x $1 5374.42
Everence
Restrictions
0.25% 1.64x $25,000 5381.45
Afena
Restrictions
0.25% 1.64x $2,000 5334.50
Heritage
Restrictions
0.25% 1.64x $25,000 5320.06
Bar-cons
Restrictions
0.25% 1.64x $25,000 5297.30
Policemen's
Restrictions
0.25% 1.64x $5 5402.28
Purdue
Restrictions
0.25% 1.64x $25,000 5385.69
0.25% 1.64x $2,500 5368.74
Industrial
Restrictions
0.25% 1.64x $25,000 5383.92
Natco
Restrictions
0.25% 1.64x $25,000 5277.03
Indiana Members
Restrictions
0.25% 1.64x $50 5325.74
Centra
Restrictions
0.25% 1.64x $10,000 5298.29
0.25% 1.64x $1 5324.05
0.25% 1.64x $10,000 5323.94
Perfect Circle
Restrictions
0.25% 1.64x $1,000 5288.65
0.25% 1.64x $2,000 5304.57
Fme
Restrictions
0.24% 1.58x $2,000 5363.74
Tech
Restrictions
0.23% 1.48x $5 5442.12
Teachers
Restrictions
0.22% 1.45x $25,000 5339.72
Natco
Restrictions
0.22% 1.45x $2,500 5277.03
0.21% 1.38x $10,000 5334.77
0.21% 1.38x $25,000 5329.20
Three Rivers
Restrictions
0.20% 1.32x $2,500 5334.75
0.20% 1.32x $25,000 5312.66
0.20% 1.32x $2,500 5353.53
Aaa
Restrictions
0.20% 1.32x $25,000 5405.17
0.20% 1.32x $5 5335.58
Inova
Restrictions
0.20% 1.32x $25,001 5390.46
0.20% 1.32x $10,001 5336.27
L & N
Restrictions
0.20% 1.32x $1 5260.03
0.20% 1.32x $25,001 5352.42
0.20% 1.32x $25,000 5325.13
0.20% 1.32x $1,000 5402.30
Regional
Restrictions
0.20% 1.32x $2,500 5453.82
Unify Financial
Restrictions
0.20% 1.32x $10,000 5344.53
0.20% 1.32x $6,500 5352.67
Heritage
Restrictions
0.20% 1.32x $10,000 5320.06
Bar-cons
Restrictions
0.20% 1.32x $10,000 5297.30
Allegius
Restrictions
0.20% 1.32x $50 5439.71
0.20% 1.32x $2,000 5374.12
Industrial
Restrictions
0.20% 1.32x $10,001 5383.92
Teachers
Restrictions
0.20% 1.32x $25,000 5339.72
0.20% 1.32x $25,001 5339.91
Natco
Restrictions
0.20% 1.32x $1,001 5277.03
Energy Plus
Restrictions
0.20% 1.32x $25,001 5329.95
Baxter
Restrictions
0.20% 1.32x $25,000 5327.21
Centra
Restrictions
0.20% 1.32x $5 5298.29
Members Source
Restrictions
0.20% 1.32x $10 5451.10
Via Credit Union
Restrictions
0.20% 1.32x $1 5333.54
0.20% 1.32x $1,001 5323.94
Staley
Restrictions
0.20% 1.32x $25,000 5385.64
Perfect Circle
Restrictions
0.20% 1.32x $2,500 5288.65
Midwest America
Restrictions
0.19% 1.25x $25,000 5328.03
Tech
Restrictions
0.18% 1.15x $1,000 5442.12
0.16% 1.05x $1,000 5334.77
0.15% 0.99x $2,500 5312.66
Fme
Restrictions
0.15% 0.99x $5 5363.74
0.15% 0.99x $5 5353.53
Aaa
Restrictions
0.15% 0.99x $10,000 5405.17
Fort Financial
Restrictions
0.15% 0.99x $25,000 5333.16
Haynes Community
Restrictions
0.15% 0.99x $5 5353.77
0.15% 0.99x $2,501 5336.27
Partners 1st
Restrictions
0.15% 0.99x $25,000 5333.86
0.15% 0.99x $1,001 5352.42
Everence
Restrictions
0.15% 0.99x $3,001 5381.45
0.15% 0.99x $10,000 5325.13
0.15% 0.99x $25,000 5297.17
Regional
Restrictions
0.15% 0.99x $2,500 5453.82
Unify Financial
Restrictions
0.15% 0.99x $2,500 5344.53
Heritage
Restrictions
0.15% 0.99x $1,000 5320.06
Profed
Restrictions
0.15% 0.99x $25,000 5331.06
Purdue
Restrictions
0.15% 0.99x $7,500 5385.69
0.15% 0.99x $10,000 5329.20
0.15% 0.99x $5 5368.74
Industrial
Restrictions
0.15% 0.99x $2,500 5383.92
Teachers
Restrictions
0.15% 0.99x $2,500 5339.72
Kemba
Restrictions
0.15% 0.99x $25,000 5320.86
Energy Plus
Restrictions
0.15% 0.99x $5,000 5329.95
Members Advantage
Restrictions
0.15% 0.99x $20,000 5432.30
0.15% 0.99x $50 5323.94
0.15% 0.99x $200 5262.84
0.15% 0.99x $1,000 5327.29
Staley
Restrictions
0.15% 0.99x $10,000 5385.64
0.15% 0.99x $50 5323.96
Interra
Restrictions
0.15% 0.99x $1,000 5380.96
0.15% 0.99x $50 5333.12
Midwest America
Restrictions
0.14% 0.92x $10,000 5328.03
Teachers
Restrictions
0.14% 0.92x $2,500 5339.72
Members Advantage
Restrictions
0.12% 0.79x $10,000 5432.30
First Trust
Restrictions
0.12% 0.79x $25,000 5431.34
0.11% 0.72x $200 5334.77
Three Rivers
Restrictions
0.10% 0.66x $5 5334.75
U S #1364
Restrictions
0.10% 0.66x $5 5443.89
Midwest America
Restrictions
0.10% 0.66x $200 5328.03
0.10% 0.66x $1 5431.62
Aaa
Restrictions
0.10% 0.66x $2,500 5405.17
Inova
Restrictions
0.10% 0.66x $10,001 5390.46
Chiphone
Restrictions
0.10% 0.66x $5 5392.16
Fort Financial
Restrictions
0.10% 0.66x $10,000 5333.16
0.10% 0.66x $5 5336.27
Partners 1st
Restrictions
0.10% 0.66x $2,500 5333.86
0.10% 0.66x $2,501 5352.42
Everence
Restrictions
0.10% 0.66x $1 5381.45
0.10% 0.66x $5 5325.13
0.10% 0.66x $5 5354.01
0.10% 0.66x $25 5376.21
0.10% 0.66x $10,000 5297.17
Diamond Valley
Restrictions
0.10% 0.66x $20,000 5331.57
Lampco
Restrictions
0.10% 0.66x $10,001 5319.91
Unify Financial
Restrictions
0.10% 0.66x $5 5344.53
0.10% 0.66x $5 5352.67
Profed
Restrictions
0.10% 0.66x $10,000 5331.06
Bar-cons
Restrictions
0.10% 0.66x $2,500 5297.30
0.10% 0.66x $100 5329.20
Notre Dame
Restrictions
0.10% 0.66x $15,000 5403.59
0.10% 0.66x $5 5355.10
Independent
Restrictions
0.10% 0.66x $10,000 5317.65
0.10% 0.66x $2,500 5339.91
Hoosier Hills
Restrictions
0.10% 0.66x $5 5312.97
Kemba
Restrictions
0.10% 0.66x $2,500 5320.86
Energy Plus
Restrictions
0.10% 0.66x $5 5329.95
Baxter
Restrictions
0.10% 0.66x $1 5327.21
Members Advantage
Restrictions
0.10% 0.66x $50 5432.30
Forum
Restrictions
0.10% 0.66x $1 5334.35
First Trust
Restrictions
0.10% 0.66x $5 5431.34
0.10% 0.66x $100 5327.29
Crane
Restrictions
0.10% 0.66x $5 5333.01
Staley
Restrictions
0.10% 0.66x $2,000 5385.64
0.10% 0.66x $100 5304.57
Aaa
Restrictions
0.08% 0.53x $250 5405.17
0.08% 0.53x $10,000 5421.58
Staley
Restrictions
0.08% 0.53x $2,500 5385.64
Diamond Valley
Restrictions
0.07% 0.46x $2,500 5331.57
Advance Financial
Restrictions
0.07% 0.46x $20,000 5449.91
Independent
Restrictions
0.07% 0.46x $2,000 5317.65
Midwest Family
Restrictions
0.06% 0.39x $25,000 5440.80
Vigo County
Restrictions
0.05% 0.33x $2,001 5375.55
0.05% 0.33x $25 5312.66
Chiphone
Restrictions
0.05% 0.33x $2,500 5392.16
Fort Financial
Restrictions
0.05% 0.33x $50 5333.16
Partners 1st
Restrictions
0.05% 0.33x $500 5333.86
L & N
Restrictions
0.05% 0.33x $1 5260.03
Everence
Restrictions
0.05% 0.33x $501 5381.45
Ball State
Restrictions
0.05% 0.33x $1,000 5311.64
0.05% 0.33x $500 5297.17
Midwest Family
Restrictions
0.05% 0.33x $10,000 5440.80
Lampco
Restrictions
0.05% 0.33x $2,500 5319.91
Heritage
Restrictions
0.05% 0.33x $100 5320.06
Profed
Restrictions
0.05% 0.33x $5 5331.06
Bar-cons
Restrictions
0.05% 0.33x $200 5297.30
Purdue
Restrictions
0.05% 0.33x $1 5385.69
Industrial
Restrictions
0.05% 0.33x $350 5383.92
Notre Dame
Restrictions
0.05% 0.33x $400 5403.59
Advance Financial
Restrictions
0.05% 0.33x $2,000 5449.91
Independent
Restrictions
0.05% 0.33x $2,000 5317.65
Kemba
Restrictions
0.05% 0.33x $100 5320.86
Baxter
Restrictions
0.05% 0.33x $5 5327.21
Members Advantage
Restrictions
0.05% 0.33x $2,500 5432.30
Interra
Restrictions
0.05% 0.33x $5 5380.96
0.04% 0.26x $2,500 5421.58
Midwest Family
Restrictions
0.04% 0.26x $500 5440.80
Madison County
Restrictions
0.03% 0.20x $50 5319.54
0.03% 0.20x $10,000 5300.95
0.03% 0.20x $50 5297.17
Diamond Valley
Restrictions
0.03% 0.20x $300 5331.57
Lampco
Restrictions
0.03% 0.20x $5 5319.91
Advance Financial
Restrictions
0.03% 0.20x $5 5449.91
0.02% 0.13x $2,500 5300.95
0.02% 0.13x $250 5319.78
Inova
Restrictions
0.01% 0.07x $1 5390.46
0.01% 0.07x $100 5300.95
0.01% 0.07x $1,001 5421.58
0.01% 0.07x $100 5339.91
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION


Credit Union Savings Accounts 2018

Credit union savings accounts (also sometimes called share certificates or money market accounts) are savings vehicles that are offered by credit unions. Many Americans enjoy performing their banking transactions with credit unions as they are technically member-owned and may have branches close by. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions do have limited fields of membership – you must be a resident of a certain area or have a family member who was employed by a certain company. Other credit unions will have fields of membership that are virtually open ended (eg. must love life, etc.). If you find a credit union that interests you because of a rate or a service or a location, but are unsure if you qualify for membership, it is often worth reaching out to the credit union to discuss the parameters of the field of membership and whether there may be other ways in which you may qualify for membership.

Unlike online banks and even many local banks, all but the largest credit unions often lack robust online banking features. If you are interested in online banking, be sure to ask your credit unions about the online and mobile services they offer.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates