Credit union · NCUA insured
Directions Credit Union Savings Rates
Top CarrotDirections Credit Union’s best savings rate is 2.43% APY on $10,000, with its High Yield Savings. Rates checked October 16, 2026.
How Directions Credit Union’s savings rates compare
Compared with banks and credit unions near Toledo, OH, where Directions Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Directions Credit Union
2.43%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $243
High Yield Savings
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Directions Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.43%
- $10,000 balance$10,0002.43%
- $100,000 balance$100,0002.43%
- QualifiedQualified2.43%
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 Directions 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.
High Yield Savings
2.43%APY
No rate tiers; no monthly maintenance fees; no minimum balance to open account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 2.43% | $243 |
| $25,000 – $50,000 | 2.43% | — |
| $50,000 – $75,000 | 2.43% | — |
| $75,000 – $100,000 | 2.43% | — |
| $100,000 – $250,000 | 2.43% | — |
| $250,000 and up | 2.43% | — |
Sources (1)
- directionscu.org/personal/save…s/checking-savings-rates · captured Oct 6, 2026
Money Management Account
0.30%APY
Variable rate; designed for higher dividends while maintaining liquidity. Minimum opening deposit: $5. Monthly service fee: $0. Minimum balance to receive dividends: $2,500. Dividends compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Minimum balance to receive dividends: $2,500 | 0.30% | $30 | Minimum balance to receive dividends: $2,500 |
| $25,000 – $50,000Balance $25,000-$49,999.99 | 0.35% | — | Balance $25,000-$49,999.99 |
| $50,000 – $75,000Balance $50,000-$74,999.99 | 0.40% | — | Balance $50,000-$74,999.99 |
| $75,000 – $100,000Balance $75,000-$99,999.99 | 0.65% | — | Balance $75,000-$99,999.99 |
| $100,000 and upBalance $100,000 or greater | 0.85% | — | Balance $100,000 or greater |
Sources (1)
- directionscu.org/personal/save…s/checking-savings-rates · captured Oct 6, 2026
Primary Share Savings
0.10%APY
Dividends compounded quarterly. $5.00 minimum opening deposit. $25.00 minimum balance required to receive dividends/obtain APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$5.00 to open, $25.00 to obtain APY$25 and up | 0.10% | $10 | $5.00 to open, $25.00 to obtain APY |
Sources (1)
- directionscu.org/personal/save…s/checking-savings-rates · captured Oct 6, 2026
Special-purpose accounts
IRA Share Savings
0.40%APY
Available for Traditional IRA and Roth IRA retirement savings. Traditional IRA contributions may be tax-deductible; Roth IRA earnings are tax-deferred/tax-free upon qualified withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5.00 balance requirementAny balance | 0.40% | $40 | $5.00 balance requirement |
Sources (1)
- directionscu.org/personal/save…s/checking-savings-rates · captured Oct 6, 2026
Holiday Club
0.10%APY
Deposits remain in account until transferred to Primary Shares in October. If a withdrawal occurs before October transfer, account must be closed and cannot be reopened until after the October transfer. Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$5.00 to open, $25.00 to obtain APY$25 and up | 0.10% | $10 | $5.00 to open, $25.00 to obtain APY |
Sources (1)
- directionscu.org/personal/save…s/checking-savings-rates · captured Oct 6, 2026
Youth Goal Savings
0.10%APY
Must be under 18 years of age. A youth savings account can be opened with a parent/legal guardian at any age; parent/legal guardian must be joint on account if under 16.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$5.00 to open, $25.00 to obtain APY. Must be under 18 years of age.$25 and up | 0.10% | $10 | $5.00 to open, $25.00 to obtain APY. Must be under 18 years of age. |
Sources (1)
- directionscu.org/personal/save…s/checking-savings-rates · captured Oct 6, 2026
Who can join Directions 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, worship, or attend school in specified counties in Ohio (Ashland, Crawford, Erie, Fulton, Huron, Knox, Lorain, Lucas, Medina, Morrow, Ottawa, Richland, Sandusky, Seneca, Tuscarawas, Wayne, Wood) or lower Michigan (Monroe, Lenawee) are eligible for membership.
Family and household
- Family members (grandparents, parents, spouse, siblings, children, grandchildren) and household members of eligible members are eligible to join.
Membership information collected October 5, 2026.