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.

Start Saving

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Open a savings account

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
Monthly Fee

Balance Builder

Minimum of $1 increase of prior month's balance
3.00% APY¹
Unlimited withdrawals

Mega Money Market

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

Savings Account

$5 min.
Tiered dividends earned
Unlimited withdrawals

Health Savings

Dividends earned
Unlimited withdrawals for qualified medical expenses

Balance Builder Savings Crew

Minimum of $1 increase of prior month's balance
3.00% APY¹
Unlimited withdrawals

APY = Annual Percentage Yield. Retail accounts only, no commercial or institutional funds permitted. Member savings account required to establish membership.
1 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. Must have Balance Builder Checking account. Minors under 18 may have Balance Builder Savings only.

Couple on Vacation

Savings Calculators

  • The Impact of Saving More
  • Save for College
  • Save to be a Millionaire
  • What Will My Savings Be Worth?
  • Save Towards a Goal
  • Save for a Rainy Day
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