Credit union · NCUA insured
Forest Area Federal Credit Union Savings Rates
Top CarrotForest Area Federal Credit Union’s best savings rate is 2.27% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Forest Area Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Cadillac, MI, where Forest Area Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Forest Area Federal Credit Union
2.27%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $227
Money Market
Top rate
Horizon Bank
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Forest Area Federal Credit Union savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0002.27%
- $100,000 balance$100,0003.30%
- QualifiedQualified2.27%
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 Forest Area 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.
Money Market
2.27%APY
Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. No monthly or annual fees. Dividends are calculated daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. | 0.15% | — | Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. |
| $2,500 – $24,999Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. | 2.27% | $227 | Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. |
| $25,000 – $99,999Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. | 2.79% | — | Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. |
| $100,000 – $499,999Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. | 3.30% | — | Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. |
| $500,000 and upForest Area Federal Credit Union membership required. Rates are subject to change after account opening. | 3.70% | — | Forest Area Federal Credit Union membership required. Rates are subject to change after account opening. |
Sources (2)
All captured Sep 24, 2026
Share Savings
0.20%APY
Base account provided to all members. Requires $10 minimum balance (purchase of one share). Dividends paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 0 (Base): For Balance Greater Than $10.00 up to $500.00. | 0.10% | — | Tier 0 (Base): For Balance Greater Than $10.00 up to $500.00. |
| $500 – $2,500Tier 1: For Balance Greater Than $500.00 up to $2,500.00. | 0.15% | — | Tier 1: For Balance Greater Than $500.00 up to $2,500.00. |
| $2,500 and upTier 2: For Balance Greater Than $2,500.00. | 0.20% | $20 | Tier 2: For Balance Greater Than $2,500.00. |
Sub-Share
0.20%APY
Open up to 15 subsidiary accounts under the main share savings account. No minimum deposit requirements and no minimum balance. Dividends paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tier 0 (Base): For Balance Greater Than $10.00 up to $500.00. | 0.10% | — | Tier 0 (Base): For Balance Greater Than $10.00 up to $500.00. |
| $500 – $2,500Tier 1: For Balance Greater Than $500.00 up to $2,500.00. | 0.15% | — | Tier 1: For Balance Greater Than $500.00 up to $2,500.00. |
| $2,500 and upTier 2: For Balance Greater Than $2,500.00. | 0.20% | $20 | Tier 2: For Balance Greater Than $2,500.00. |
Sources (2)
- forestarea.com/personal/personal-savings.html
- forestarea.com/userfiles/filem…ger/3sr17aoxirvuj2r4ryim
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.35%APY
Maximum balance of $5,000. Automatically rolls over to Share Account on October 31. Opening deposit minimum is $0.00 in person or $10.00 online.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Current rate .35%, APY .35%. Tier 0 (Base) for balance greater than $10.00. Compounded and paid quarterly. Opening minimum $0.00 in person or $10.00 online. Maximum deposit balance $5,000.00.Up to $5,000 | 0.35% | — | Current rate .35%, APY .35%. Tier 0 (Base) for balance greater than $10.00. Compounded and paid quarterly. Opening minimum $0.00 in person or $10.00 online. Maximum deposit balance $5,000.00. |
Who can join Forest Area Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.