Access Credit Union is listing very competitive yields on its share and IRA certificates. These include a 4.26% APY 6-month CD, 4.51% APY 12-month CD, 4.71% APY 30-month CD and a 4.85% APY 60-month CD. The minimum deposit is $10,000. Yields are 15 basis points lower for a minimum deposit of $500.

Membership is open to those who work or live in parts of Chicago and in one of several Illinois communities.

Membership requires a minimum $5 deposit in the savings account. There’s a monthly fee if the savings account balance is under $100 (with some exceptions).

Branches are located in Westchester and Chicago, IL. The credit union is federally insured by the NCUA .