Credit unions are not-for-profit financial cooperatives that do not have to pay dividends to stockholders and therefor that pass the savings of on to their members. Therefor, you can almost always receive a better rate there. Forum in Noblesville is no exception. It's a great place to do your banking with friendly staff and convenient hours.
My husband and I have banked here our entire marriage and had separate accounts before getting married. They are so great, excellent rates AND customer service. We've tried other banks while keeping an account here and they never compare. Our account was hacked once and they were so helpful to get us set up with a new account quickly. Highly recommend FCU!