Consumers Professional Credit Union Savings & Money Market Rates

How Consumers Professional Credit Union’s savings rates compare

Compared with banks and credit unions near Lansing, MI, where Consumers Professional Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Consumers Professional Credit Union
1.26%APY
Minimum
—
Earns on $10,000 a year
$126
Money Management Accounts
Top rate
First National Bank of America
4.20%APY
Minimum
$1,000
Earns on $10,000 a year
$420
First National Bank of America rates
2nd-highest rate
Flagstar Bank
4.00%APY
Minimum
$1
Earns on $10,000 a year
$400
Flagstar Bank rates

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Savings score

Higher than 76% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.20%
$10,000 balance$10,0001.26%
$100,000 balance$100,0001.76%
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.

How the score works →

Where Consumers Professional 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.

Diamond Money Fund

1.26%APY$5,000 to open

By opening a Diamond Money Account, members are able to keep their funds liquid yet earn an Annual Percentage Yield (APY) that is typically higher than the Prime Share Account. The Diamond Fund has a minimum balance of $5,000 with 5 total tiers. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$5,000 – $14,999Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.26%	$126	Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
$15,000 – $24,999Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.36%	—	Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
$25,000 – $49,999Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.46%	—	Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
$50,000 – $99,999Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.56%	—	Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
$100,000 and upCompounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.76%	—	Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.

Sources (2)

All captured Oct 5, 2026

Money Management Accounts

1.26%APYMoney market

Dividend is paid monthly. Interest rates are a variable rate. Minimum balance of $2,500 with 3 total tiers. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $4,999Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.01%	—	Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
$5,000 – $14,999Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.26%	$126	Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
$15,000 and upCompounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.36%	—	Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.

Sources (1)

cpcu.co/checking-and-savings/money-management-account · captured Oct 16, 2026

Money Management Account

1.26%APY$2,500 to open

The Money Management account is a great option for savings with a lower required balance to earn dividends. Dividend is paid monthly. Interest rates are a variable rate. The Money Management account has a minimum balance of $2,500 with 3 total tiers. Minimum balance to obtain APY is $5,000.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $4,999Tier 1. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.01%	—	Tier 1. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
$5,000 – $14,999Tier 2. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.26%	$126	Tier 2. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.
$15,000 and upTier 3. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.	1.36%	—	Tier 3. Compounded/Credited Monthly. Minimum balance to obtain APY is $5,000.00.

Sources (1)

cpcu.co/checking-and-savings/money-management-account · captured Oct 5, 2026

Prime Share Account

0.20%APY$25 to open

Every member of CPCU maintains a Prime Share Account with a par value of $25.00. This is your share of credit union ownership and entitles you to a vote at the annual meeting. The minimum balance required to earn dividends is $50.00.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upCompounded/Credited Quarterly. Minimum balance to obtain APY is $50.00.$50 and up	0.20%	$20	Compounded/Credited Quarterly. Minimum balance to obtain APY is $50.00.

Sources (1)

cpcu.co/checking-and-savings/prime-share-account · captured Oct 5, 2026

Special-purpose accounts

Christmas Club Account

0.20%APYClub$1 to open

Accepts deposits from the first Monday in November through October 31st. CPCU adds your dividends and in early November, moves the money into your Prime Share Account. Just $1 to open. No monthly fee. No minimum balance. Competitive dividends on entire balance paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upCompounded/Credited Quarterly. Minimum balance to obtain APY is $50.00. No monthly fee. No minimum balance.$50 and up	0.20%	$20	Compounded/Credited Quarterly. Minimum balance to obtain APY is $50.00. No monthly fee. No minimum balance.

Sources (2)

All captured Oct 5, 2026

Health Savings Account

0.20%APYHSA$25 to open

If you have a high-deductible health insurance plan, you may be eligible to open a CPCU Health Savings Account. There are no minimum balance requirements to open an HSA with us, however, you must be a member with a savings account ($25 for your share of the Credit Union).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upCompounded/Credited Quarterly. Minimum balance to obtain APY is $50.00.$50 and up	0.20%	$20	Compounded/Credited Quarterly. Minimum balance to obtain APY is $50.00.

Sources (1)

cpcu.co/checking-and-savings/health-savings-account · captured Oct 5, 2026

Individual Retirement Savings Accounts

0.20%APYIRA

Choose from: Individual Retirement Savings Accounts Roth IRA Roth Conversion IRA Education IRA There is no minimum balance required to open these types of accounts and the minimum balance required to obtain the APY is $50.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upCompounded/Credited Quarterly. Minimum balance to obtain APY is $50.00. No minimum balance required to open.$50 and up	0.20%	$20	Compounded/Credited Quarterly. Minimum balance to obtain APY is $50.00. No minimum balance required to open.

Sources (2)

All captured Oct 5, 2026

Savings Club Accounts

0.20%APYClub

Customize your savings club account to help you stay on track! “Vacation”, “Tuition”, “New Car”… You name it, you save it!!!

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upCompounded/Credited Quarterly. Minimum balance to obtain APY is $50.00.$50 and up	0.20%	$20	Compounded/Credited Quarterly. Minimum balance to obtain APY is $50.00.

Sources (2)

All captured Oct 5, 2026

Youth Share Accounts

0.20%APYKids and teens$5 to open

Members under age 18 may open a Youth Share Account with a par value of $5.00. The minimum balance required to earn dividends is $5.00. Youth are encouraged to save with special promotions and seasonal savings events.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upCompounded/Credited Quarterly. Minimum balance to obtain APY is $5.00.$5 and up	0.20%	$20	Compounded/Credited Quarterly. Minimum balance to obtain APY is $5.00.

Sources (2)

All captured Oct 5, 2026

Who can join Consumers Professional 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, work, or worship in one of the served counties are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Consumers Professional Credit Union overview

How Consumers Professional Credit Union’s savings rates compare

Consumers Professional Credit Union savings score

Current savings rates

Diamond Money Fund

Money Management Accounts

Money Management Account

Prime Share Account

Special-purpose accounts

Christmas Club Account

Health Savings Account

Individual Retirement Savings Accounts

Savings Club Accounts

Youth Share Accounts

Who can join Consumers Professional Credit Union

Where you live or work