Credit union · NCUA insured
Embers Credit Union Savings Rates
Embers Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Maker. Rates checked October 16, 2026.
How Embers Credit Union’s savings rates compare
Compared with banks and credit unions near Marquette, MI, where Embers Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Embers Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Maker
Top rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Honor Credit Union
3.37%APY
- Requires
- Monthly account activity
- Minimum
- $0.01
- Earns on $10,000 a year
- $337
Embers Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.50%
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 Embers 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 Maker
0.50%APY
Minimum balance of $100 required to earn interest. Dividends are paid monthly. Unlimited transfers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Dividends are paid monthly. Minimum balance of $100 required to earn interest. | 0.25% | — | Dividends are paid monthly. Minimum balance of $100 required to earn interest. |
| $2,500 – $10,000Dividends are paid monthly. Minimum balance of $100 required to earn interest. | 0.25% | — | Dividends are paid monthly. Minimum balance of $100 required to earn interest. |
| $10,000 – $25,000Dividends are paid monthly. Minimum balance of $100 required to earn interest. | 0.50% | $50 | Dividends are paid monthly. Minimum balance of $100 required to earn interest. |
| $25,000 – $50,000Dividends are paid monthly. Minimum balance of $100 required to earn interest. | 0.50% | — | Dividends are paid monthly. Minimum balance of $100 required to earn interest. |
| $50,000 – $250,000Dividends are paid monthly. Minimum balance of $100 required to earn interest. | 0.80% | — | Dividends are paid monthly. Minimum balance of $100 required to earn interest. |
| $250,000 and upDividends are paid monthly. Minimum balance of $100 required to earn interest. | 1.26% | — | Dividends are paid monthly. Minimum balance of $100 required to earn interest. |
Money Maker
0.50%APY
High-yield savings account. Minimum balance of $100 required to earn interest. Dividends are paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Balances between $100.00 - $2,499.99. | 0.25% | — | Balances between $100.00 - $2,499.99. |
| $2,500 – $10,000Balances between $2,500.00 - $9,999.99. | 0.25% | — | Balances between $2,500.00 - $9,999.99. |
| $10,000 – $25,000Balances between $10,000.00 - $24,999.99. | 0.50% | $50 | Balances between $10,000.00 - $24,999.99. |
| $25,000 – $50,000Balances between $25,000.00 - $49,999.99. | 0.50% | — | Balances between $25,000.00 - $49,999.99. |
| $50,000 – $250,000Balances between $50,000.00 - $249,999.99. | 0.80% | — | Balances between $50,000.00 - $249,999.99. |
| $250,000 and upBalances $250,000 and over. | 1.26% | — | Balances $250,000 and over. |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA
3.05%APY
Traditional or Roth retirement savings account options. Monthly dividends are paid on balances of $0.01 and up.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Monthly dividends paid on balances of $0.01 and up.Over $0 | 3.05% | $305 | Monthly dividends paid on balances of $0.01 and up. |
Health Savings
1.26%APY
Tax-exempt savings for qualified medical expenses with high-deductible health plans. Minimum balance of $100 required to earn interest. Dividends are paid monthly. No monthly maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upIndividual coverage tier. Minimum balance of $100 required to earn interest.$100 and up | 1.26% | $126 | Individual coverage tier. Minimum balance of $100 required to earn interest. |
Membership Savings
0.10%APY
Must meet Embers Credit Union membership eligibility (live, work, worship, attend school, or own real estate in eligible Michigan/Wisconsin counties). $5 opening deposit to open checking/membership. Minimum balance of $100.00 to earn monthly dividends; if under 18 years of age, a minimum balance is not required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 required to earn dividends. Minimum balance not required if under 18 years of age.$100 and up | 0.10% | $10 | Minimum balance of $100.00 required to earn dividends. Minimum balance not required if under 18 years of age. |
Sources (3)
All captured Sep 18, 2026
Side Savings
0.10%APY
Set money aside for holidays or vacation with optional automatic payroll transfers. Minimum balance of $100.00 to earn monthly dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100.00 to earn monthly dividends.$100 and up | 0.10% | $10 | Minimum balance of $100.00 to earn monthly dividends. |
Sources (3)
All captured Sep 18, 2026
Youth Savings
0.10%APY
Simple savings account for young members. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- embers.org/personal/teen · captured Sep 18, 2026
Who can join Embers Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.