Best Banks & Credit Unions in Muncie, Indiana
Banks and credit unions serving Muncie, Indiana. Compare up to 0.05% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Muncie, Indiana. All rankings inherit from the Indiana state directory. Every institution listed is licensed to serve Muncie residents and is either headquartered in Indiana or operates branches in the metro.
Top options in Muncie
- FORUM Credit Union: 4.00% APY. 12 Month Certificate: Minimum $500 required to open, no maximum limit; penalties assessed for early withdrawal; rates as of 8/1/2026. Read Sep 7, 2026 on forumcu.com. Rates as of 2026-08-01 per the page.
- Old National Bank: 4.00% APY. 11-Month CD: Branch-opened limited offer on 7, 11 or 17-month terms; $500 minimum deposit, $5,000,000 maximum; rates, terms and conditions accurate as of August 28, 2026; renews at maturity into the then-current 12-month certificate; no standard 12-month CD rate is published on the page. Read Sep 7, 2026 on oldnational.com.
- Peoples Bank: 4.00% APY. 11 Month CD Special: Limited-time special: minimum opening deposit $5,000, minimum daily balance to obtain APY $0.01, 4.00% APY effective as of August 11, 2026, renews at maturity for 12 months at the then current CD rate; the rates page publishes no standard 12-month CD. Read Sep 7, 2026 on ibankpeoples.com.
- Indiana Members Credit Union: 3.75% APY. 12 Month Certificate: $1,000 minimum deposit, maximum $1,000,000 per household; membership savings account required; penalty for early withdrawal; the single-term 13-Month (4.15% APY) and 70-Month (4.30% APY) certificates are separate offers; rates effective 09.01.2026. Read Sep 7, 2026 on imcu.com. Rates as of 2026-09-01 per the page.
- STAR Financial Bank: 3.60% APY. 12 Months CD: $1,000 minimum balance; the APY quoted requires an active STAR checking relationship; APYs effective as of 5/27/2026; penalty may apply for early withdrawal. Read Sep 7, 2026 on starfinancial.com.
- Merchants Bank: 3.50% APY. Money Market Account: No minimum balance to earn APY; $50 minimum to open an account; one rate with no tiers; limited to 6 preauthorized transfers or withdrawals per monthly statement cycle; APY accurate as of 07/30/2026. Read Sep 7, 2026 on bankmerchants.com. Rates as of 2026-07-30 per the page.
Other Indiana cities
See the full Indiana banks directory for every institution we've verified in the state, plus the underlying methodology.