Credit union · NCUA insured
Firelands Federal Credit Union Savings Rates
Top CarrotFirelands Federal Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Firelands Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Norwalk, OH, where Firelands Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Firelands Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $150
Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Directions Credit Union
2.43%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $243
Firelands Federal Credit Union savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0003.00%
- QualifiedQualified1.50%
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 Firelands Federal 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.
Ohio Homebuyer Plus Account
7.25%APY
Must be an Ohio resident age 18 or older. Deposit and maintain balance between $500 and $100,000. Account must be kept open for a minimum of 6 months. Only one account can be open per individual across all financial institutions. Funds must be utilized within 5 years for the purchase of a home in Ohio.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $100,000Must be an Ohio resident age 18 or older; funds must be used within 5 years to purchase a home in Ohio; minimum account life of 6 months.$500 – $100,000 | 7.25% | $725 | Must be an Ohio resident age 18 or older; funds must be used within 5 years to purchase a home in Ohio; minimum account life of 6 months. |
Sources (1)
- firelandsfcu.org/personal-savings · captured Sep 25, 2026
Round Up Savings
3.50%APY
Funded via debit card purchases rounded up to the next whole dollar and deposited into the savings account. Outside cash deposits or transfers to this account are not available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25Tier for balances $0.01 – $24.99. | 0.25% | — | Tier for balances $0.01 – $24.99. |
| $25 and upTier for balances $25.00 and up. | 3.50% | $350 | Tier for balances $25.00 and up. |
Money Market Account
1.50%APY
Dividends compounded daily and paid monthly. Unlimited withdrawals with up to 6 unsigned transfers allowed per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $25,000 | 1.50% | $150 |
| $25,000 – $50,000 | 2.25% | — |
| $50,000 and up | 3.00% | — |
Name Your Savings
1.00%APY
Goal-oriented savings club created through digital banking (tap + button and select Create New Share / Name Your Club). Minimum balance to earn dividends is $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.$100 and up | 1.00% | $100 | Minimum balance to earn dividends is $100. |
Escrow Share Account
0.25%APY
Minimum balance to earn dividends is $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.$100 and up | 0.25% | $25 | Minimum balance to earn dividends is $100. |
Sources (1)
- firelandsfcu.org/rates · captured Sep 25, 2026
Share Savings Account
0.25%APY
Earns dividends on balances of $100 or more; dividends compounded daily and paid quarterly. $5 minimum balance fee avoided by maintaining a $100 minimum daily average balance. 6 unsigned transfers allowed per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends on balances of $100 or more; dividends compounded daily and paid quarterly. $5 minimum balance fee avoided by maintaining a $100 minimum daily average balance.$100 and up | 0.25% | $25 | Earns dividends on balances of $100 or more; dividends compounded daily and paid quarterly. $5 minimum balance fee avoided by maintaining a $100 minimum daily average balance. |
Sources (3)
All captured Sep 25, 2026
Special-purpose accounts
IRA Share Account
2.25%APY
Traditional and Roth IRA options available. No setup fees; no monthly or annual maintenance fees. $5,500 contribution limit per year (plus $1,000 catch-up for ages 50+).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Tier for balances $100.00 – $9,999.99. | 1.50% | — | Tier for balances $100.00 – $9,999.99. |
| $10,000 – $25,000Tier for balances $10,000.00 – $24,999.99. | 2.25% | $225 | Tier for balances $10,000.00 – $24,999.99. |
| $25,000 and upTier for balances $25,000.00+. | 3.00% | — | Tier for balances $25,000.00+. |
Christmas Club Plus Account
1.19%APY
No monthly service fees. Dividends compounded daily and paid annually on September 30th. Funds automatically transferred to checking or savings account on October 1st.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier for balances $0.01 – $499.99. | 1.04% | — | Tier for balances $0.01 – $499.99. |
| $500 – $1,500Tier for balances $500.00 – $1,499.99. | 1.09% | — | Tier for balances $500.00 – $1,499.99. |
| $1,500 and upTier for balances $1,500.00+. | 1.19% | $119 | Tier for balances $1,500.00+. |
Youth Savings Account
0.25%APY
Available across Kids Saving Club (up to 12 years old) and Smart Start Teen Club (ages 13-17). Earns dividends on balances of $5 or more. No monthly service fees; no minimum balance requirements. Must show proof of Social Security Number, Passport, or other acceptable government-issued ID to open account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarns dividends on balances of $5 or more.$5 and up | 0.25% | $25 | Earns dividends on balances of $5 or more. |
Who can join Firelands Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Huron, Erie, or Crawford counties is eligible to join Firelands FCU.
Family and household
- Individuals with family members who are existing Firelands Federal Credit Union members may qualify for membership.
Cost to join
- Membership requires opening a Share Savings Account with a minimum deposit of $5.
Membership information collected October 5, 2026.