Credit union · NCUA insured
Diversified Members Credit Union Savings Rates
Diversified Members Credit Union’s best savings rate is 0.85% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Diversified Members Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Diversified Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Diversified Members Credit Union
0.85%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $85
Money Market Savings
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
Diversified Members Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.70%
- QualifiedQualified0.85%
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 Diversified Members 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 Savings
0.85%APY
Dividends pay and compound monthly. $2,500 minimum average daily balance required to earn dividends. Monthly limit of six (6) withdrawals per account, after that see the fee schedule. Rates may change after account is opened. Accurate as of effective date. Fees may reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999$2,500 minimum average daily balance required to earn dividends. | 0.85% | $85 | $2,500 minimum average daily balance required to earn dividends. |
| $25,000 – $49,999$2,500 minimum average daily balance required to earn dividends. | 1.15% | — | $2,500 minimum average daily balance required to earn dividends. |
| $50,000 – $99,999$2,500 minimum average daily balance required to earn dividends. | 1.45% | — | $2,500 minimum average daily balance required to earn dividends. |
| $100,000 – $249,999$2,500 minimum average daily balance required to earn dividends. | 1.70% | — | $2,500 minimum average daily balance required to earn dividends. |
| $250,000 – $499,999$2,500 minimum average daily balance required to earn dividends. | 1.95% | — | $2,500 minimum average daily balance required to earn dividends. |
| $500,000 – $999,999$2,500 minimum average daily balance required to earn dividends. | 2.45% | — | $2,500 minimum average daily balance required to earn dividends. |
| $1,000,000 and up$2,500 minimum average daily balance required to earn dividends. | 2.95% | — | $2,500 minimum average daily balance required to earn dividends. |
Savings Shares
0.10%APY
Minimum balance of $5 to open with no monthly maintenance fees. Rates may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend paid quarterly. Fees may reduce earnings.Any balance | 0.10% | $10 | Dividend paid quarterly. Fees may reduce earnings. |
Sources (3)
All captured Oct 5, 2026
Sub Share Savings
0.10%APY
Secondary savings account. Rates may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividend paid quarterly. Fees may reduce earnings.$5 and up | 0.10% | $10 | Dividend paid quarterly. Fees may reduce earnings. |
Special-purpose accounts
Individual Retirement Savings Account
0.45%APY
Minimum deposit of $50 to open. Available in Traditional IRA, Roth IRA, and Rollover Traditional IRA variants.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividend paid quarterly. Applies to Traditional IRA, Roth IRA, and Rollover Traditional IRA.$50 and up | 0.45% | $45 | Dividend paid quarterly. Applies to Traditional IRA, Roth IRA, and Rollover Traditional IRA. |
My Future Savings
0.35%APY
For children ages 0-18. Initial deposit of $100 required to open. Includes $50 every year for child's birthday. Rates may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividend paid quarterly. Fees may reduce earnings.$100 and up | 0.35% | $35 | Dividend paid quarterly. Fees may reduce earnings. |
Sources (3)
All captured Oct 5, 2026
Christmas Club
0.30%APY
Funds are automatically deposited into primary savings account on November 1 each year. Rates may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend paid November 1. Fees may reduce earnings.Any balance | 0.30% | $30 | Dividend paid November 1. Fees may reduce earnings. |
Vacation Club
0.30%APY
Allows two free withdrawals per year. Rates may change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend paid annually. Fees may reduce earnings.Any balance | 0.30% | $30 | Dividend paid annually. Fees may reduce earnings. |
Who can join Diversified Members Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.