• 104 E Maple St PO Box 100 Spooner, WI 54801
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Deposit Rates

Deposit Accounts

Club Accounts

Checking-Accounts

Certificates

Deposit Accounts
  • Super-Rate Account
Minimum Balance
Dividend Rate
APY ***
$25.00 - $1,999.99
0.20%
0.20%
$2,000.00 - $19,999.99
0.30%
0.30%
$20,000.00 and Over
0.40%
0.40%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield
  • My Moolah Savings (Youth Account)
Minimum Balance
Dividend Rate
APY ***
$5.00 - $3,000.00
1.30%
1.31%
$3,000.01 - $19,999.99
0.30%
0.30%
$20,000.00 and Over
0.40%
0.40%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield
  • Money Market Account
Minimum Balance
Dividend Rate
APY ***
$5,000.00 - $24,999.99
1.10%
1.11%
$25,000.00 - $49,999.99
2.00%
2.02%
$50,000.00 - $99,999.99
2.80%
2.84%
$100,000.00 - $249,999.99
3.30%
3.35%
$100,000.00 - $249,999.99
3.80%
3.87%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield
  • Funeral Trust Account
Minimum Balance
Dividend Rate
APY ***
$100.00
0.40%
0.40%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield
  • Coverdell Education Savings Account
Minimum Balance
Dividend Rate
APY ***
$100.00 – 4,999.99
0.50%
0.50%
$5,000.00 - $24,999.99
0.75%
0.75%
$25,000.00 - $49,999.99
1.00%
1.01%
$50,000.00 and Over
1.25%
1.26%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield
  • IRA Passbook Account (Traditional & Roth)
Minimum Balance
Dividend Rate
APY ***
$100.00 - $4,999.99
0.50%
0.50%
$5,000.00 - $24,999.99
0.75%
0.75%
$25,000.00 - $49,999.99
1.00%
1.01%
$50,000.00 and Over
1.25%
1.26%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield
  • Health Savings Account
Minimum Balance
Dividend Rate
APY ***
$50.00 - $4,999.99
0.25%
0.25%
$5,000.00 - $24,999.99
0.50%
0.50%
$25,000.00 - $49,999.99
0.75%
0.75%
$50,000.00 and Over
1.00%
1.01%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield

Club Accounts

Deposit Accounts
Type of Account
Minimum Balance
Dividend Rate
APY ***
Christmas Club
$25.00
0.50%
0.50%
The Whatever Fund Club
$25.00
0.50%
0.50%
I Want It Club (Youth Club)
$5.00 - $3,000.00
1.50%
1.51%
I Want It Club (Youth Club)
$3,000.01
0.50%
0.50%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield

Checking Accounts
Type of Account
Minimum Balance
Dividend Rate
APY ***
Basic Checking
$500.00
0.25%
0.25%
Direct Deposit Checking
$1,000.00
0.25%
0.25%
Free E-statement Checking
not applicable
not applicable
not applicable
Non-Profit Organization Checking
$500.00
0.25%
0.25%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
 *** APY = Annual Percentage Yield

Share Certificates
Account Type
Term
Compounded
Minimum Balance to open/earn
stated APY
Dividend Rate
APY ***
Share Certificates
180 Day
At Maturity
$1,000.00
1.48%
1.49%
Share Certificates
12 Month
Calendar Quarter
$1,000.00
2.47%
2.49%
Share, Roth & Traditional IRA Certificates
18 Month
Calendar Quarter
$1,000.00
2.17%
2.19%
Share, Roth & Traditional IRA Certificates
24 Month
Calendar Quarter
$1,000.00
2.27%
2.29%
Share, Roth & Traditional IRA Certificates
36 Month
Calendar Quarter
$1,000.00
2.33%
2.35%
Share, Roth & Traditional IRA Certificates
48 Month
Calendar Quarter
$5,000.00
2.37%
2.39%
Share, Roth & Traditional IRA Certificates
60 Month
Calendar Quarter
$10,000.00
2.43%
2.45%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
*Penalties apply for early withdrawals from certificate accounts.
 *** APY = Annual Percentage Yield
Account Type
Term
Compounded
Minimum Balance to open/earn
stated APY
Dividend Rate
APY ***
My Moolah Share Certificates
6 Month
At Maturity
$100
2.48%
2.50%
My Moolah Share Certificates
12 Month
Calendar Quarter
$100
3.47%
3.51%
*Rates effective as of December 4, 2025

*Fees may reduce earnings.
*Penalties apply for early withdrawals from certificate accounts.
 *** APY = Annual Percentage Yield

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Thanks for visiting Indianhead Credit Union, where we strive to give you excellent, professional and confidential service with a small town touch
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Routing Number: 291880767

Federally Insured by NCUA and an Equal Housing Lender.  We do business in accordance with the Fair Housing and Equal Credit Opportunity Act.  NMLS #464571 
*APR = Annual Percentage Rate.  Rate based on creditworthiness and term of loan.
**APY = Annual Percentage Yield.  Rates are subject to change at any time and are not guaranteed. 
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