Frankenmuth Credit Union High-Yield Savings & Money Market Rates

How Frankenmuth Credit Union’s savings rates compare

Compared with banks and credit unions near Saginaw, MI, where Frankenmuth Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Frankenmuth Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
Kasasa Saver
Top rate
Huntington Bank
3.25%APY
Requires
Another account
Minimum
$100
Earns on $10,000 a year
$325
Huntington Bank rates
2nd-highest rate
Members First Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
Members First Credit Union rates

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Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0002.34%
$10,000 balance$10,0002.38%
$100,000 balance$100,0002.72%
QualifiedQualified3.00%

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.

How the score works →

Where Frankenmuth 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.

Kasasa Saver

Up to 3.00%APYRequirements apply

Must link with a Kasasa checking account (Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play). Monthly qualification cycle requires at least 15 debit card purchases of $5 or more and enrollment in e-statements. ACH payment/deposit required except for Kasasa Eats and Kasasa Play. Limit 1 account per SSN.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Qualifying rate on balances up to $50,000 when monthly qualifications are met in linked Kasasa checking account.	3.00%	$300	Qualifying rate on balances up to $50,000 when monthly qualifications are met in linked Kasasa checking account.
Any balanceNon-qualifying rate when monthly qualifications are not met.	0.01%	$1	Non-qualifying rate when monthly qualifications are not met.

Sources (1)

frankenmuthcu.org/product/kasasa-saver · captured Oct 5, 2026

Plus Savings

2.38%APY$500 to open

Must maintain a daily minimum balance of $500 to earn dividends and obtain disclosed APY. No monthly service fee. May not be used in the overdraft table.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$500 – $9,999Tier $500 - $9,999.	2.34%	—	Tier $500 - $9,999.
$10,000 – $24,999Tier $10,000 - $24,999.	2.38%	$238	Tier $10,000 - $24,999.
$25,000 – $99,999Tier $25,000 - $99,999.	2.47%	—	Tier $25,000 - $99,999.
$100,000 – $499,999Tier $100,000 - $499,999.	2.72%	—	Tier $100,000 - $499,999.
$500,000 – $999,999Tier $500,000 - $999,999.	2.77%	—	Tier $500,000 - $999,999.
$1,000,000 and upTier $1,000,000 & Up.	2.90%	—	Tier $1,000,000 & Up.

Sources (2)

All captured Sep 18, 2026

Mega Money Market

1.35%APY$10,000 to open

Limited to four withdrawals per month of $500 or more. All deposits must be over $100. Members will forfeit dividends if account is closed before accrued dividends are posted.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$10,000 – $24,999Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.	1.35%	$135	Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.
$25,000 – $49,999Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.	1.45%	—	Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.
$50,000 – $99,999Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.	1.55%	—	Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.
$100,000 – $499,999Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.	2.20%	—	Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.
$500,000 – $999,999Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.	2.70%	—	Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.
$1,000,000 and upMinimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.	2.85%	—	Minimum opening balance of $10,000 is required and is the minimum balance required to earn interest. Limited to four withdrawals per month of $500 or more. All deposits must be over $100.

Sources (2)

All captured Oct 5, 2026

Save to Win Savings Account

2.25%APY$25 to open

Liquid Savings Account. Can add funds at anytime and withdraw funds at anytime.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceRequires $25 to open.Any balance	2.25%	$225	Requires $25 to open.

Sources (1)

frankenmuthcu.org/rates · captured Oct 5, 2026

All-In High Yield Savings

1.00%APY

Must maintain a minimum daily balance of $100 to obtain the disclosed APY. No minimum deposit to open.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upMust maintain a minimum daily balance of $100 to obtain disclosed APY.$100 and up	1.00%	$100	Must maintain a minimum daily balance of $100 to obtain disclosed APY.

Sources (2)

All captured Oct 5, 2026

Wealth Builder

0.20%APY

No interest will be paid on the Wealth Builder Consumer if the average daily balance is less than $100.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $9,999Investment $100-$9,999.	0.20%	—	Investment $100-$9,999.
$10,000 – $49,999Investment $10,000-$49,999; APY range .16%-.20%.	0.20%	$20	Investment $10,000-$49,999; APY range .16%-.20%.
$50,000 – $99,999Investment $50,000-$99,999; APY range .13%-.16%.	0.16%	—	Investment $50,000-$99,999; APY range .13%-.16%.

Sources (2)

All captured Sep 18, 2026

Escrow Account

0.05%APY

Applies to Escrow Taxes Share Account, Escrow Insurance Share Account, and Escrow Home Improvement Share Account. Must maintain a minimum daily balance of $5.00 in account each day to obtain disclosed APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Tier 4: Daily balance more than $99.99, but less than $10,000.00.	0.05%	$5	Tier 4: Daily balance more than $99.99, but less than $10,000.00.
$10,000 – $25,000Tier 3: Daily balance more than $9,999.99, but less than $25,000.00.	0.05%	$5	Tier 3: Daily balance more than $9,999.99, but less than $25,000.00.
$25,000 – $100,000Tier 2: Daily balance more than $24,999.99, but less than $100,000.00.	0.05%	—	Tier 2: Daily balance more than $24,999.99, but less than $100,000.00.
$100,000 and upTier 1: Daily balance of $100,000.00 or more.	0.05%	—	Tier 1: Daily balance of $100,000.00 or more.

Sources (1)

frankenmuthcu.org/disclosures · captured Oct 5, 2026

Regular Savings Share Account

0.05%APY

The minimum balance required to open this account is the purchase of a share in the credit union. Requires maintaining a minimum daily balance of $5.00 to obtain disclosed APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Tier 4: Daily balance more than $99.99, but less than $10,000.00.	0.05%	$5	Tier 4: Daily balance more than $99.99, but less than $10,000.00.
$10,000 – $25,000Tier 3: Daily balance more than $9,999.99, but less than $25,000.00.	0.05%	$5	Tier 3: Daily balance more than $9,999.99, but less than $25,000.00.
$25,000 – $100,000Tier 2: Daily balance more than $24,999.99, but less than $100,000.00.	0.05%	—	Tier 2: Daily balance more than $24,999.99, but less than $100,000.00.
$100,000 and upTier 1: Daily balance of $100,000.00 or more.	0.05%	—	Tier 1: Daily balance of $100,000.00 or more.

Sources (1)

frankenmuthcu.org/disclosures · captured Oct 5, 2026

Special-purpose accounts

Youth Save To Win Savings Account

4.00%APYKids and teens$10 to open

For ages 17 & younger. Liquid Savings Account. Can add funds at anytime and withdraw funds at anytime.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceRequires $10 to open. Available to members ages 17 and younger.Any balance	4.00%	$400	Requires $10 to open. Available to members ages 17 and younger.

Sources (1)

frankenmuthcu.org/rates · captured Oct 5, 2026

Individual Retirement Account

0.20%APYIRA

Must maintain a minimum daily balance of $5.00 to obtain disclosed APY. $4.00 enrollment fee and $12.00 annual maintenance fee (charged February 1).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $9,999Balance $0 - $9,999. $4.00 enrollment fee.	0.10%	—	Balance $0 - $9,999. $4.00 enrollment fee.
$10,000 – $24,999Balance $10,000 - $24,999. $4.00 enrollment fee.	0.20%	$20	Balance $10,000 - $24,999. $4.00 enrollment fee.
$25,000 – $99,999Balance $25,000 - $99,999. $4.00 enrollment fee.	0.20%	—	Balance $25,000 - $99,999. $4.00 enrollment fee.
$100,000 and upBalance $100,000 & Up. $4.00 enrollment fee.	0.20%	—	Balance $100,000 & Up. $4.00 enrollment fee.

Sources (1)

frankenmuthcu.org/product/ira-accounts · captured Oct 5, 2026

Christmas Club Savings

0.02%APYClub

Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge. Birdie accounts are for age 13 and under and not required to keep a $100 aggregate balance to avoid $5 fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $9,999Monthly fee of $5 waived for members keeping aggregate balance of at least $100 or for Birdie accounts (age 13 and under).	0.02%	—	Monthly fee of $5 waived for members keeping aggregate balance of at least $100 or for Birdie accounts (age 13 and under).
$10,000 – $24,999Monthly fee of $5 waived for members keeping aggregate balance of at least $100 or for Birdie accounts (age 13 and under).	0.02%	$2	Monthly fee of $5 waived for members keeping aggregate balance of at least $100 or for Birdie accounts (age 13 and under).
$25,000 – $99,999Monthly fee of $5 waived for members keeping aggregate balance of at least $100 or for Birdie accounts (age 13 and under).	0.02%	—	Monthly fee of $5 waived for members keeping aggregate balance of at least $100 or for Birdie accounts (age 13 and under).
$100,000 and upMonthly fee of $5 waived for members keeping aggregate balance of at least $100 or for Birdie accounts (age 13 and under).	0.02%	—	Monthly fee of $5 waived for members keeping aggregate balance of at least $100 or for Birdie accounts (age 13 and under).

Sources (1)

frankenmuthcu.org/product/christmas-club-savings-account · captured Oct 5, 2026

Teen TLT Saver

0.02%APYKids and teens

For teen members. Shares rate structure with standard savings table. Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $9,999Tier $100.00 to $9,999. Monthly fee waived with aggregate balance of $100 or for members under 18/Birdie accounts.	0.02%	—	Tier $100.00 to $9,999. Monthly fee waived with aggregate balance of $100 or for members under 18/Birdie accounts.
$10,000 – $24,999Tier $10,000 to $24,999. Monthly fee waived with aggregate balance of $100 or for members under 18/Birdie accounts.	0.02%	$2	Tier $10,000 to $24,999. Monthly fee waived with aggregate balance of $100 or for members under 18/Birdie accounts.
$25,000 – $99,999Tier $25,000 to $99,999. Monthly fee waived with aggregate balance of $100 or for members under 18/Birdie accounts.	0.02%	—	Tier $25,000 to $99,999. Monthly fee waived with aggregate balance of $100 or for members under 18/Birdie accounts.
$100,000 and upTier $100,000 and up. Monthly fee waived with aggregate balance of $100.	0.02%	—	Tier $100,000 and up. Monthly fee waived with aggregate balance of $100.

Sources (2)

All captured Oct 5, 2026

Vacation Club Savings

0.02%APYClub

No minimum balances or deposit requirements. Members 18 and older are asked to keep an aggregate balance of at least $100 to avoid a $5 monthly service charge.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $9,999Tier $100 to $9,999.	0.02%	—	Tier $100 to $9,999.
$10,000 – $24,999Tier $10,000 to $24,999.	0.02%	$2	Tier $10,000 to $24,999.
$25,000 – $99,999Tier $25,000 to $99,999.	0.02%	—	Tier $25,000 to $99,999.
$100,000 and upTier $100,000 and up.	0.02%	—	Tier $100,000 and up.

Sources (2)

All captured Oct 5, 2026

Youth Saver

0.02%APYKids and teens$5 to open

For children 12 and under (Birdie accounts age 13 and under are not required to keep $100 aggregate balance to avoid $5 fee). Minimum opening balance of $5. Must maintain a minimum daily balance of $100 to obtain the disclosed APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $9,999Tier $100.00 to $9,999. Birdie accounts age 13 and under exempt from $5 monthly service fee.	0.02%	—	Tier $100.00 to $9,999. Birdie accounts age 13 and under exempt from $5 monthly service fee.
$10,000 – $24,999Tier $10,000 to $24,999. Birdie accounts age 13 and under exempt from $5 monthly service fee.	0.02%	$2	Tier $10,000 to $24,999. Birdie accounts age 13 and under exempt from $5 monthly service fee.
$25,000 – $99,999Tier $25,000 to $99,999. Birdie accounts age 13 and under exempt from $5 monthly service fee.	0.02%	—	Tier $25,000 to $99,999. Birdie accounts age 13 and under exempt from $5 monthly service fee.
$100,000 and upTier $100,000 and up. Birdie accounts age 13 and under exempt from $5 monthly service fee.	0.02%	—	Tier $100,000 and up. Birdie accounts age 13 and under exempt from $5 monthly service fee.

Sources (2)

All captured Oct 5, 2026

Who can join Frankenmuth 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, or worships in the state of Michigan is eligible to join.

Military, government and schools

Anyone who was educated in the state of Michigan is eligible to join.

Family and household

Relatives of a present Frankenmuth Credit Union member are eligible to join.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Frankenmuth Credit Union overview

How Frankenmuth Credit Union’s savings rates compare

Frankenmuth Credit Union savings score

Current savings rates

Kasasa Saver

Plus Savings

Mega Money Market

Save to Win Savings Account

All-In High Yield Savings

Wealth Builder

Escrow Account

Regular Savings Share Account

Special-purpose accounts

Youth Save To Win Savings Account

Individual Retirement Account

Christmas Club Savings

Teen TLT Saver

Vacation Club Savings

Youth Saver

Who can join Frankenmuth Credit Union

Where you live or work

Military, government and schools

Family and household