Credit union · NCUA insured
Credit Union ONE Savings Rates
Top CarrotCredit Union ONE’s best savings rate is 3.30% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Credit Union ONE’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Credit Union ONE has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union ONE
3.30%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $330
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
Credit Union ONE savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0003.30%
- $10,000 balance$10,0003.30%
- $100,000 balance$100,0003.30%
- QualifiedQualified3.30%
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 Credit Union ONE 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
Up to 3.30%APY
A $1,000.00 minimum daily balance required to earn APY. Accounts that remain at a zero balance for 90 consecutive days will be automatically closed out (no fee for zero balance closure).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $250,000Promotional rate on new money only (funds not currently held on deposit at Credit Union ONE; transfers from existing Credit Union ONE accounts do not qualify). Applied for the first seven months after account opening, after which rate adjusts to current applicable variable APY. | 3.30% | $330 | Promotional rate on new money only (funds not currently held on deposit at Credit Union ONE; transfers from existing Credit Union ONE accounts do not qualify). Applied for the first seven months after account opening, after which rate adjusts to current applicable variable APY. |
| $1,000 and upRates are variable. | 0.05% | $5 | Rates are variable. |
| $2,500 and upRates are variable. | 0.10% | $10 | Rates are variable. |
| $10,000 and upRates are variable. | 0.25% | $25 | Rates are variable. |
| $25,000 and upRates are variable. | 0.35% | — | Rates are variable. |
| $50,000 and upRates are variable. | 0.50% | — | Rates are variable. |
| $100,000 and upRates are variable. | 0.55% | — | Rates are variable. |
Savings Account
0.05%APY
Members who meet one of the following will not be assessed a $5 monthly maintenance fee: have a $500 combined average balance in all savings accounts; have a checking or loan product (including an open line of credit); are under 25 or over 64 years of age; or have a savings account established for less than 120 days. Products included for combined balance or checking/loan qualification must have the same primary owner (Tax Reported Owner). Accounts remaining at $0 balance for 90 consecutive days are automatically closed.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open account or earn interest. Monthly maintenance fee of $5 waived for qualifying members (products included must share same primary/Tax Reported Owner). APY may change after account is open.Any balance | 0.05% | $5 | No minimum balance to open account or earn interest. Monthly maintenance fee of $5 waived for qualifying members (products included must share same primary/Tax Reported Owner). APY may change after account is open. |
Special-purpose accounts
Savings IRA, ROTH IRA & Coverdell Education Account (ESA)
0.15%APY
Available as Traditional, Roth, Rollover, and Spousal IRA savings accounts, as well as Coverdell ESA. Tax-advantaged retirement/education savings options. Early withdrawal IRS penalties and contribution limits may apply based on IRS guidelines and account type.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY based on assumption interest remains in account until maturity. Withdrawals and fees may reduce earnings. May be discontinued or changed at any time.Any balance | 0.15% | $15 | APY based on assumption interest remains in account until maturity. Withdrawals and fees may reduce earnings. May be discontinued or changed at any time. |
Sources (2)
All captured Oct 16, 2026
Who can join Credit Union ONE
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, or goes to school in the State of Michigan.
- Open to anyone who lives, works, worships, or goes to school in Cuyahoga, Lake, Lucas, Sandusky, Summit, or Wood County, Ohio.
Membership information collected October 5, 2026.