Credit union · NCUA insured
Community Focus Federal Credit Union Savings Rates
Top CarrotCommunity Focus Federal Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Community Focus Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Community Focus Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community Focus Federal Credit Union
0.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Community Focus Federal Credit Union savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.40%
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 Community Focus 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.
Money Market Account
0.40%APY
Must be an individual, family, or business in Wayne or Monroe counties to join. Federally insured by NCUA. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $49,999 | 0.40% | $40 |
| $50,000 – $99,999 | 0.60% | — |
| $100,000 and up | 0.75% | — |
Sources (2)
All captured Sep 18, 2026
Savings Account
0.05%APY
Open account with just $5 (one-time $0.25 membership fee). No monthly service charges. Includes side savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and up$300 minimum balance to receive dividends. Dividend paid annually.$300 and up | 0.05% | $5 | $300 minimum balance to receive dividends. Dividend paid annually. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA
0.40%APY
Traditional, Roth, & Coverdell options available. Must have earned income to qualify. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5.00 minimum deposit. Dividend paid annually. Penalty may be imposed for early withdrawal.Any balance | 0.40% | $40 | $5.00 minimum deposit. Dividend paid annually. Penalty may be imposed for early withdrawal. |
Sources (2)
All captured Sep 18, 2026
Who can join Community Focus Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.