Credit union · NCUA insured
CentricityCU Savings Rates
CentricityCU’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How CentricityCU’s savings rates compare
Compared with banks and credit unions near Duluth, MN-WI, where CentricityCU has the most branches. $10,000, best rate first.
This credit union’s best
CentricityCU
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Money Market Account
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
CentricityCU savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0003.25%
- QualifiedQualified1.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CentricityCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Money Market Savings
0.05%APY
$5 fee per withdrawal after first 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000$5 fee per withdrawal after first 6 per month. | 0.05% | $5 | $5 fee per withdrawal after first 6 per month. |
| $20,000 and up$5 fee per withdrawal after first 6 per month. | 3.25% | — | $5 fee per withdrawal after first 6 per month. |
Sources (1)
- centricity.org/accounts/savings/money-market-account · captured Oct 16, 2026
Money Market Account
1.00%APY
No monthly service fee. Limited to six withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. | 0.05% | — | Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. |
| $2,500 – $10,000Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. | 0.70% | — | Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. |
| $10,000 – $25,000Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. | 1.00% | $100 | Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. |
| $25,000 – $50,000Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. | 1.25% | — | Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. |
| $50,000 – $100,000Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. | 1.50% | — | Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. |
| $100,000 and upMonthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. | 2.00% | — | Monthly dividends. Up to six withdrawals or transfers per statement period; exceeding transfer limitations subjects account to a fee or closure. |
Sources (1)
- centricity.org/accounts/savings/money-market-account · captured Oct 16, 2026
Share Savings
0.05%APY
Minimum balance to earn APY is $10.00. $10 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
1.00%APY
Initial deposit of $50. Covers Roth, Traditional, Coverdell, and SEP wrappers. No maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (2)
All captured Oct 16, 2026
Christmas Club
0.25%APY
No monthly fees. No minimum deposit. The entire balance will be transferred to your share account on or after October 31st and the account will remain open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEntire balance transferred to share account on or after October 31st.Any balance | 0.25% | $25 | Entire balance transferred to share account on or after October 31st. |
Sources (2)
All captured Oct 16, 2026
Miscellaneous Club
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- centricity.org/about/rates · captured Oct 16, 2026
Vacation Club
0.05%APY
No monthly fees. No minimum deposit. Designed to keep funds separated from regular savings for vacations or future purchases.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
Who can join CentricityCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in St. Louis, Carlton, Lake, Pine, or Douglas County are eligible to join Centricity.
Membership information collected October 4, 2026.