ONLINE BANKING LOGIN Forgot Password? | Enroll Loans Accounts Convenience Resources Why IHCU? Money Market Account An IHCU Money Market Account requires a minimum initial deposit of $1,000. It offers a higher interest rate than a regular savings account, but gives you the flexibility you need. Unlike a Share Certificate, you are not locked into a certain time frame. There is no penalty for withdrawals. An IHCU Money Market Account is a great investment to make. It is not related to stocks and bonds. It is insured by American Share Insurance, which makes an IHCU Money Market Account a good alternative to the stock market. Current Deposit Rates Type of Plan Account Balance Range Annual Dividend Rate Annual Percentage Yield (APY) Regular Share Savings Account/ Christmas Club Share Savings Account .04% .04% Money Market Share Savings Account Up to $24,999.99 .20 % .20% $25,000-$49,999.99 .25% .25% $50,000-$149,999.99 .30% .30% $150,000 and over .60% .60% IRA Savings Account Effective March 3, 2020 $100 - and over .28 % .28% IRA Certificates 12 month certificate .70% .70% 18 month certificate .80% .80% 24 month certificate .90% .90% 36 month certificate 1.00% 1.00% 48 month certificate 1.05% 1.05% 60 month certificate 1.10% 1.11% Share Certificates . 6 month certificate .48% .48% 12 month certificate .70% .70% 18 month certificate .80% .80% 24 month certificate .90% .90% 36 month certificate 1.00% 1.00% 48 month certificate 1.05% 1.05% 60 month certificate 1.10% 1.11% Step Up Checking Up to $24,999.99 .15% .15% $25,000-$49,999.99 .20% .20% $50,000-$149,999.99 .25% .25% $150,000 and over .55% .55% Accounts Accounts for Every Need Open an Account Deposit Rates Checking Benefits Checking CardValet Business Checking Savings IRA Money Market Account Direct Deposit Financial Calculators Overdrafts and Overdraft Fees Reorder Checks Quick Contact Telephone: 1-800-576-IHCU or 1-937-390-1800 E-mail us Routing Number ABA/Routing # 242279068 Website Accessibility If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us by calling 1-800-576-IHCU or 1-937-390-1800 or email us at info@ihcreditunion.com. All products and services available on this website are available at IH Credit Union branches. Lost or Stolen Cards Lost or stolen Credit Card: 1-855-639-9081 Lost or stolen ATM or Debit Card: 1-800-472-3272 Quick Links Reorder Checks Credit Card Access File Upload Form Wiring Instructions Privacy Policy Your savings insured to $250,000 per account. This institution is not federally insured. MEMBERS’ ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY. Financial Wellness MoneyED: A Personal Finance Program Trinity Debt Management Search Find a Co-Op Shared Branch Insurance AD&D Insurance Calland & Campbell TruStage Insurance © 2021 IH Credit Union