Credit union · NCUA insured
Family Financial Credit Union Savings Rates
Top CarrotFamily Financial Credit Union’s best savings rate is 1.00% APY on $10,000, with its High Yield Savings Account. Rates checked October 16, 2026.
How Family Financial Credit Union’s savings rates compare
Compared with banks and credit unions near Muskegon, MI, where Family Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Family Financial Credit Union
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
High Yield Savings Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Route 31
3.10%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $310
Family Financial Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.16%
- QualifiedQualified1.00%
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 Family Financial 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 Account
1.00%APY
Requires a minimum opening deposit of $2,500.00. Dividends will not accrue on balances below $2,500.00. Members must maintain a $5.00 par value share in the credit union. Dividends compounded and credited monthly using the daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $5,000Tier balance $2,500 – $4,999.99. | 0.75% | — | Tier balance $2,500 – $4,999.99. |
| $5,000 – $10,000Tier balance $5,000 – $9,999.99. | 0.85% | — | Tier balance $5,000 – $9,999.99. |
| $10,000 – $25,000Tier balance $10,000 – $24,999.99. | 1.00% | $100 | Tier balance $10,000 – $24,999.99. |
| $25,000 and upTier balance $25,000 and over. | 1.16% | — | Tier balance $25,000 and over. |
Regular Savings
0.05%APY
Requires a $5.00 par value share deposit to establish membership and maintain eligibility for services. Must have transaction activity at least once every 12 months to avoid a monthly Dormant Account Fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $105 and upMinimum balance to earn dividends is $105.00. Dividends compounded and credited monthly using the daily balance method.$105 and up | 0.05% | $5 | Minimum balance to earn dividends is $105.00. Dividends compounded and credited monthly using the daily balance method. |
Special Purpose Account
0.05%APY
No minimum balance or opening deposit required; must maintain a $5.00 par value share in the credit union via a Regular Savings Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividends is $0.01. Daily balance method applies.Over $0 | 0.05% | $5 | Minimum balance to earn dividends is $0.01. Daily balance method applies. |
Special-purpose accounts
Individual Retirement Account Savings
0.25%APY
Applies to Traditional IRA, Roth IRA, and Coverdell Educational IRA savings accounts. No minimum deposit required to open; requires maintaining a $5.00 par value share in the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividends is $0.01. Calculated using the daily balance method.Over $0 | 0.25% | $25 | Minimum balance to earn dividends is $0.01. Calculated using the daily balance method. |
Christmas Club
0.05%APY
Account matures on October 1st when accumulated funds are disbursed to an FFCU account of choice. No withdrawals allowed prior to maturity, but account may be closed anytime prior to maturity with no penalty. Must maintain a $5.00 par value share in the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividends is $0.01.Over $0 | 0.05% | $5 | Minimum balance to earn dividends is $0.01. |
Dream Club
0.05%APY
Account matures on April 1st when accumulated funds are disbursed to an FFCU account of choice. No withdrawals allowed prior to maturity, but account may be closed anytime prior to maturity with no penalty. Must maintain a $5.00 par value share in the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividends is $0.01.Over $0 | 0.05% | $5 | Minimum balance to earn dividends is $0.01. |
Earnie Youth Account
0.05%APY
Available to children ages birth through 12. No account fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to earn dividends is $0.01 per rate schedule ($5.00 balance noted in club guide).Over $0 | 0.05% | $5 | Minimum balance to earn dividends is $0.01 per rate schedule ($5.00 balance noted in club guide). |
Who can join Family Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Kent, Allegan, Mason, Montcalm, Muskegon, Ottawa, Oceana, or Newaygo County.
Family and household
- Anyone related to a member by blood, marriage, or adoption is eligible to join regardless of where they reside.
Membership information collected October 5, 2026.