Credit union · NCUA insured
Filer Credit Union Savings Rates
Filer Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market Accounts. Rates checked October 16, 2026.
How Filer Credit Union’s savings rates compare
Compared with banks and credit unions near Ludington, MI, where Filer Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Filer Credit Union
3.04%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $304
Filer Loyalty Saving
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
West Shore Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $300
Filer Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.51%
- QualifiedQualified3.04%
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 Filer 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.
Filer Loyalty Saving
Up to 3.04%APY
Must be 18 years old or older. Must have Filer Loyalty Checking Account, enroll in e-statements, make a minimum of 10 debit transactions per month (ATM transactions do not count), log into online banking a minimum of 2 times per month, and set up direct deposit/ACH deposit of at least $500 per month. If qualifications are not met, account earns non-qualifying base rate (0.10% APY).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase / non-qualifying rate when qualifications are not met. | 0.10% | $10 | Base / non-qualifying rate when qualifications are not met. |
| Up to $100,000Qualifying rate on balances up to $100,000.00 when meeting loyalty checking and activity qualifications. | 3.04% | $304 | Qualifying rate on balances up to $100,000.00 when meeting loyalty checking and activity qualifications. |
| Over $100,000Rate paid on balances over $100,000.00. | 0.10% | — | Rate paid on balances over $100,000.00. |
Sources (3)
All captured Sep 18, 2026
Money Market Accounts
1.01%APY
Tiered balances apply. Must maintain minimum balance to avoid a $25 monthly fee. Membership eligibility required. Account is insured by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 1.01% | $101 |
| $25,000 – $99,999 | 1.26% | — |
| $100,000 – $249,999 | 1.51% | — |
| $250,000 and up | 2.02% | — |
Sources (2)
All captured Sep 18, 2026
Regular Shares
0.10%APY
Membership establishing account. Open to anyone who works, lives, worships, or attends school in any county in Michigan, or receives retirement payment and lives in/belongs to a retirement organization in Michigan, or has a family member who is a member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upInterest calculated daily and posted monthly. Minimum daily balance to maintain account/membership is $5.00.$25 and up | 0.10% | $10 | Interest calculated daily and posted monthly. Minimum daily balance to maintain account/membership is $5.00. |
Sources (3)
All captured Sep 18, 2026
Sub Shares
0.10%APY
Add-on account that opens below existing regular share savings account. Up to 5 Sub Shares allowed per membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.10% | $10 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Traditional IRA Shares
0.85%APY
Traditional or Roth IRA savings account options. Must have eligible compensation; no minimum or maximum age to open. Contributions subject to IRS limits. Early withdrawal subject to 10% tax penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum initial deposit is $50 for new money (or the transfer amount from previous IRA/401K). No monthly fee.Any balance | 0.85% | $85 | Minimum initial deposit is $50 for new money (or the transfer amount from previous IRA/401K). No monthly fee. |
Christmas Club
0.20%APY
Limit of one Christmas Club per membership. Not meant to be treated as a normal savings account; funds transfer to regular share account annually on November 1. One-time hardship withdrawal may be approved by management.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum initial deposit, no minimum daily balance required, and no monthly fee.Any balance | 0.20% | $20 | No minimum initial deposit, no minimum daily balance required, and no monthly fee. |
Sources (2)
All captured Sep 18, 2026
Who can join Filer 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 works, lives, worships, or attends school in any county in the State of Michigan.
Membership information collected October 5, 2026.