Credit union · NCUA insured
FinancialEdge Credit Union Savings Rates
Top CarrotFinancialEdge Credit Union’s best savings rate is 0.12% APY on $10,000, with its High Yield 2.5. Rates checked October 16, 2026.
How FinancialEdge Credit Union’s savings rates compare
Compared with banks and credit unions near Bay City, MI, where FinancialEdge Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FinancialEdge Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $400
MyLife Savings
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
Frankenmuth Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
FinancialEdge Credit Union savings score
67
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.12%
- $100,000 balance$100,0002.75%
- QualifiedQualified0.12%
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 FinancialEdge 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.
MyLife Savings
Up to 4.00%APY
Qualifying rates require at least 20 debit card purchase transactions to post to a linked MyLife Checking account during the statement cycle and enrollment in e-statements. Only one MyLife Savings account per Social Security number. Balances up to $100,000 earn the qualifying rate; balances above $100,000 earn 0.02% resulting in a blended APY range of 0.02% to 4.00%. If qualifications are not met, the non-qualifying rate of 0.02% APY applies to the entire balance. Optional debit card purchase roundup transfers change to this account daily.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNon-qualifying rate when monthly qualifications are not met. | 0.02% | $2 | Non-qualifying rate when monthly qualifications are not met. |
| Up to $100,000Qualifying rate: requires at least 20 debit card purchases posting per cycle and e-statements. | 4.00% | $400 | Qualifying rate: requires at least 20 debit card purchases posting per cycle and e-statements. |
Sources (3)
- finedgecu.org/files/finedge17/…harges%20%2001-01-22.pdf
- finedgecu.org/mylife-checking-…savings/savings-accounts
- finedgecu.org/rates
All captured Oct 5, 2026
Premium High Yield
0.00%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $25,000Unknown to open | 0.00% | Unknown | $0 |
| $25,000 – $50,000$25,000 to open | 1.50% | $25,000 | — |
| $50,000 – $100,000Unknown to open | 1.75% | Unknown | — |
| $100,000 – $500,000Unknown to open | 2.75% | Unknown | — |
| $500,000 and upUnknown to open | 3.00% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Oct 5, 2026
Premium High Yield
0.00%APY
Tiered earnings structure. Maximum of 6 withdrawals per month. No penalty for early withdrawal. Minimum opening balance and minimum balance for dividend is $25,000. Compounded and credited monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $25,000Unknown to open | 0.00% | Unknown | $0 |
| $25,000 – $50,000$25,000 to open | 1.50% | $25,000 | — |
| $50,000 – $100,000Unknown to open | 1.75% | Unknown | — |
| $100,000 – $500,000Unknown to open | 2.75% | Unknown | — |
| $500,000 and upUnknown to open | 3.00% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Oct 5, 2026
High Yield 75
0.00%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $75,000Unknown to open | 0.00% | Unknown | $0 |
| $75,000 – $100,000$75,000 to open | 0.20% | $75,000 | — |
| $100,000 – $150,000Unknown to open | 0.25% | Unknown | — |
| $150,000 – $200,000Unknown to open | 0.30% | Unknown | — |
| $200,000 and upUnknown to open | 0.30% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Sep 18, 2026
High Yield 75
0.00%APY
Tiered earnings structure. Maximum of 6 withdrawals per month. No penalty for early withdrawal. Minimum opening balance and minimum balance for dividend is $75,000. Compounded and credited monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $75,000Unknown to open | 0.00% | Unknown | $0 |
| $75,000 – $100,000$75,000 to open | 0.20% | $75,000 | — |
| $100,000 – $150,000Unknown to open | 0.25% | Unknown | — |
| $150,000 – $200,000Unknown to open | 0.30% | Unknown | — |
| $200,000 and upUnknown to open | 0.30% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Sep 18, 2026
High Yield 25
0.00%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $25,000Unknown to open | 0.00% | Unknown | $0 |
| $25,000 – $50,000$25,000 to open | 0.15% | $25,000 | — |
| $50,000 – $75,000Unknown to open | 0.17% | Unknown | — |
| $75,000 and upUnknown to open | 0.20% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Oct 5, 2026
High Yield 25
0.00%APY
Tiered earnings structure. Maximum of 6 withdrawals per month. No penalty for early withdrawal. Minimum opening balance and minimum balance for dividend is $25,000. Compounded and credited monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $25,000Unknown to open | 0.00% | Unknown | $0 |
| $25,000 – $50,000$25,000 to open | 0.15% | $25,000 | — |
| $50,000 – $75,000Unknown to open | 0.17% | Unknown | — |
| $75,000 and upUnknown to open | 0.20% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Oct 5, 2026
High Yield 2.5
0.12%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $2,500Unknown to open | 0.00% | Unknown | — |
| $2,500 – $10,000$2,500 to open | 0.10% | $2,500 | — |
| $10,000 – $25,000Unknown to open | 0.12% | Unknown | $12 |
| $25,000 and upUnknown to open | 0.15% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Oct 5, 2026
High Yield 2.5
0.12%APY
Tiered earnings structure. Maximum of 6 withdrawals per month. No penalty for early withdrawal. Minimum opening balance and minimum balance for dividend is $2,500. Compounded and credited monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $2,500Unknown to open | 0.00% | Unknown | — |
| $2,500 – $10,000$2,500 to open | 0.10% | $2,500 | — |
| $10,000 – $25,000Unknown to open | 0.12% | Unknown | $12 |
| $25,000 and upUnknown to open | 0.15% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Oct 5, 2026
Member Savings
0.02%APY
Minimum opening deposit of $5.00. Minimum balance to earn dividends is $25. Dividends compounded and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
Secondary Savings
0.02%APY
Can be set up with a custom name (e.g. Vacation, Taxes). No minimum balance requirement to maintain account, $25 minimum balance to earn dividends. Dividends compounded and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
MyJourney Account
0.52%APY
Youth savings account for kids ages 0-17. No monthly service or minimum balance fee. $5.00 minimum opening deposit. $25 minimum balance to earn dividends. Dividends compounded and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.52% | $52 |
Sources (2)
All captured Oct 5, 2026
IRA Savings
0.12%APY
Available as Traditional and Roth IRA. Compounded and credited monthly. Minimum opening balance and minimum required balance for dividend is $100.00. NCUA insured up to $250,000.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $100Unknown to open | 0.00% | Unknown | — |
| $100 – $10,000$100 to open | 0.10% | $100 | — |
| $10,000 – $50,000Unknown to open | 0.12% | Unknown | $12 |
| $50,000 – $100,000Unknown to open | 0.17% | Unknown | — |
| $100,000 and upUnknown to open | 0.20% | Unknown | — |
Sources (1)
- finedgecu.org/deposits/high-yield-accounts · captured Oct 5, 2026
Christmas Club
0.02%APY
Holiday savings account. Minimum balance of $25 to earn dividends. Balance plus dividends automatically deposited into regular savings on the first business day in October. Dividends compounded and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.02% | $2 |
Sources (2)
All captured Oct 5, 2026
Who can join FinancialEdge Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons whose residence, employment, place of religious worship, or who are attending school in Arenac, Bay, Gladwin, Huron, Midland, Saginaw, Sanilac, or Tuscola counties.
Employers and groups
- Employees of this credit union.
Family and household
- Members of the immediate families of eligible persons.
- A spouse of a deceased member if accepted into membership prior to remarriage.
Other ways
- Any legal entity comprised for the most part of the same general group as the membership of the credit union.
- Any person receiving a retirement annuity, pension, social security, or similar retirement payment from private/government sources who lives in or belongs to a retirement organization in the county (or contiguous county) where the credit union's principal place of business is located.
Cost to join
- A $5 deposit to open a share savings account is required for membership.
Membership information collected October 5, 2026.