Credit union · NCUA insured
Circle Federal Credit Union Savings Rates
Top CarrotCircle Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Premier Money Market. Rates checked October 16, 2026.
How Circle Federal Credit Union’s savings rates compare
Compared with banks and credit unions near South Bend, IN-MI, where Circle Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Circle Federal Credit Union
1.26%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $126
Optimum Savings
Top rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Circle Federal Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0003.04%
- QualifiedQualified1.26%
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 Circle Federal Credit Union 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.
JUMBO Savers Account
0.00%APY
Minimum balance to open and earn APY is $100,000. If balance falls below $100,000 at any time during dividend period, dividends are not accrued for that day. Limit one Jumbo Savers Account per membership. No monthly fees or maturity date.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Applies when balance falls below $100,000.00. | 0.00% | $0 | Applies when balance falls below $100,000.00. |
| $100,000 and up | 3.04% | — |
Sources (2)
All captured Oct 5, 2026
Optimum Savings
Up to 1.26%APY
Must have a share savings account ($5 minimum deposit) to be a member and qualify. Unlimited electronic withdrawals and deposits; not subject to Regulation D withdrawal limitations or fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Monthly requirements met: maintain a Circle FCU checking account, complete at least one debit card transaction (PIN, signature, or POS) during the month, and receive at least $50 in ACH deposits into any eligible sub account under membership (excluding primary 000 Share Savings).Over $0 | 1.26% | $126 | Monthly requirements met: maintain a Circle FCU checking account, complete at least one debit card transaction (PIN, signature, or POS) during the month, and receive at least $50 in ACH deposits into any eligible sub account under membership (excluding primary 000 Share Savings). |
| Over $0Monthly requirements not met (base rate).Over $0 | 0.02% | $2 | Monthly requirements not met (base rate). |
Sources (2)
All captured Oct 5, 2026
Premier Money Market
0.50%APY
Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Rates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates. | 0.02% | — | Rates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates. |
| $2,500 – $25,000Rates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates. | 0.50% | $50 | Rates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates. |
| $25,000 – $75,000Rates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates. | 0.75% | — | Rates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates. |
| $75,000 and upRates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates. | 1.01% | — | Rates are variable and may change over time. All rates are subject to change without prior notice. These rates replace previously dated rates. |
Sources (2)
All captured Oct 16, 2026
Additional Savings
0.02%APY
Sub accounts dedicated to individual savings objectives without opening separate memberships.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
Share Savings
0.02%APY
Membership required. Opened with a $5 minimum deposit. Dividends are calculated based on daily account balance and paid monthly on balances over $1.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.02% | $2 |
Sources (3)
- circlefcu.org/rates-and-fees/savings-rates
- circlefcu.org/savings
- circlefcu.org/products/optimum-savings
All captured Oct 5, 2026
Special-purpose accounts
Municipal Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance below $2,500 or above $500,000. | 0.02% | — | Balance below $2,500 or above $500,000. |
| $2,500 – $500,000 | 0.25% | $25 |
Sources (1)
- circlefcu.org/rates-and-fees/savings-rates · captured Oct 5, 2026
Christmas Club
0.02%APY
Balance automatically transfers into primary savings account on the evening of October 31 each year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
Health Savings Account (HSA)
0.02%APY
Must be paired with a qualifying High Deductible Health Plan (HDHP). Access via HSA Mastercard Debit Card, checks, Online Bill Pay, or branch withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
IRA Share Savings
0.02%APY
Traditional and Roth IRA options available. No minimum balance required to open. No maintenance fees. Dividends are compounded and credited monthly on daily balance over $100.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $3,000 | 0.02% | — |
| $3,000 – $5,000 | 0.02% | — |
| $5,000 – $10,000 | 0.02% | — |
| $10,000 – $20,000 | 0.02% | $2 |
| $20,000 and up | 0.02% | — |
Sources (2)
All captured Oct 5, 2026
Vacation Club
0.02%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.02% | $2 |
Sources (1)
- circlefcu.org/rates-and-fees/savings-rates · captured Oct 5, 2026
Youth Savings Account
0.02%APY
For children under the age of 18. No minimum balance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
Who can join Circle Federal Credit Union
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 in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Employers and groups
- Individuals who work in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Military, government and schools
- Individuals who attend school in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Family and household
- Eligible immediate family and household members of a Circle FCU member may qualify for membership regardless of employment or residency.
Other ways
- Individuals who worship in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Cost to join
- Membership begins by establishing ownership with a Share Savings Account.
Membership information collected October 5, 2026.