Savings Account

Savings accounts at IHMVCU.

Reach your goal faster and save more with the right savings account.

Not just savings.

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savings account experts.

1 in 4 Americans don’t have savings, and we want to change that. IH Mississippi Valley Credit Union savings accounts make it easy for you to start saving with accounts like Balance Builder that reward you for saving every month. Whether you’re building an emergency fund for your family or saving up for something fun, we’ll help you find the best savings account for your financial journey.

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Savings Account Chart Comparison

See which savings account best fits your needs. Download savings comparison chart.

Opening Deposit
Minimum Average Daily Balance to Earn Dividends
Dividends earned
Withdrawals
Monthly Fee
Piggy bank icon

Balance Builder Junior Savers

None
Minimum of $1 increase of prior month's balance
3.00% APY*
Unlimited withdrawals
None
Money with cycle icon

SavingsBooster

None
None
2.00% APY**
Unlimited withdrawals
None
Piggy bank

Savings with a Purpose

None
None
Tiered dividends earned
Unlimited withdrawals
None
Heart icon

Health Savings

None
None
Dividends earned
Unlimited withdrawals for qualified medical expenses
None
Clock and dollar sign icon

Mega Money Market

$2,500 min. avg. daily balance
$2,500
Tiered dividends earned
6 transactions per month
$18 monthly fee if balance drops below $2,500

APY = Annual Percentage Yield. Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership.
*Only minors under the age of 18 are eligible for a Balance Builder Junior Savers account. Must meet average daily balance requirements ($1 increase over previous month's balance, excluding dividends) and eStatements to earn qualified rate on balances up to $2,500, otherwise non-qualifying rate applies.  Balances over $2,500 will earn regular savings rate; non-qualifying rate is 0.05%.
**Must meet average daily balance requirements ($5 increase over previous month’s balance, excluding dividends) and eStatements at a valid email address to earn qualifying rate on balances up to $15,000, otherwise non-qualifying rate applies. Balances over $15,000.01 will earn 0.15% APY; non-qualifying rate is 0.05%.

Couple on Vacation

Savings Calculators


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  • What Will My Savings Be Worth?
  • Save Towards a Goal
  • Save for a Rainy Day
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