Credit union · NCUA insured
Fremont Federal Credit Union Savings Rates
Top CarrotFremont Federal Credit Union’s best savings rate is 1.51% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Fremont Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Fremont, OH, where Fremont Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Fremont Federal Credit Union
1.51%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $151
Money Market Savings Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
The Union Bank Company
2.00%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $200
Fremont Federal Credit Union savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0003.04%
- QualifiedQualified1.51%
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 Fremont 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 Homebuyers Plus
7.50%APY
Must be 18 years or older, an Ohio resident, and use funds on an Ohio primary residence.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum daily balance to earn dividends is $500.00. Dividends compound and paid monthly. Variable rate based on minimum daily balance.$500 and up | 7.50% | $750 | Minimum daily balance to earn dividends is $500.00. Dividends compound and paid monthly. Variable rate based on minimum daily balance. |
Sources (2)
All captured Oct 6, 2026
Money Market Savings Account
1.51%APY
Membership eligibility required. Variable tiered rates calculated using average daily balance method. Dividends compound and pay monthly. $5 monthly service charge if balance falls below $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Earns 0.00% APY on daily balances from $0 to $999.99. $5/month service charge if balance falls below $1,000. | 0.00% | — | Earns 0.00% APY on daily balances from $0 to $999.99. $5/month service charge if balance falls below $1,000. |
| $1,000 – $4,999Monthly fee waived when balance is $1,000 or more. | 0.50% | — | Monthly fee waived when balance is $1,000 or more. |
| $5,000 – $24,999Monthly fee waived when balance is $1,000 or more. | 1.51% | $151 | Monthly fee waived when balance is $1,000 or more. |
| $25,000 – $99,999Monthly fee waived when balance is $1,000 or more. | 2.27% | — | Monthly fee waived when balance is $1,000 or more. |
| $100,000 and upMonthly fee waived when balance is $1,000 or more. | 3.04% | — | Monthly fee waived when balance is $1,000 or more. |
Sources (2)
All captured Oct 6, 2026
Regular Savings Share Account
0.15%APY
Service charge of $2/month if balance falls below $100. Pays interest on balances of $100 or more (or on all balances if age 18 or less).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance to earn dividends is $100.00. $2/month service charge if balance falls below $100. Dividends compound and paid quarterly.$100 and up | 0.15% | $15 | Minimum daily balance to earn dividends is $100.00. $2/month service charge if balance falls below $100. Dividends compound and paid quarterly. |
Sources (3)
- fremontfcu.com/checking-and-savings
- fremontfcu.com/checking-and-sa…regular-savings-accounts
- fremontfcu.com/rates
All captured Oct 6, 2026
Special-purpose accounts
Cha-Ching Teen Club Savings
0.15%APY
Available to those age 13-18. No maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to those age 13-18. Earns interest on all balances. Dividends compound and paid quarterly.Any balance | 0.15% | $15 | Available to those age 13-18. Earns interest on all balances. Dividends compound and paid quarterly. |
Sources (3)
- fremontfcu.com/checking-and-savings/for-youth
- fremontfcu.com/checking-and-sa…outh/cha-ching-teen-club
- fremontfcu.com/rates
All captured Oct 6, 2026
Club Accounts
0.15%APY
Also described as Savings Accounts For Special Occassions (holidays, vacation, down payment, wedding, dream purchase). No minimum balance and no service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns interest on all balances. Dividends compound and paid quarterly.Any balance | 0.15% | $15 | Earns interest on all balances. Dividends compound and paid quarterly. |
Sources (3)
- fremontfcu.com/checking-and-sa…s/for-special-occassions
- fremontfcu.com/checking-and-savings
- fremontfcu.com/rates
All captured Oct 6, 2026
Dollar Dog Kids Club Savings
0.15%APY
Available to kids 12 and under. No maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to kids 12 and under. Earns interest on all balances. Dividends compound and paid quarterly.Any balance | 0.15% | $15 | Available to kids 12 and under. Earns interest on all balances. Dividends compound and paid quarterly. |
Sources (3)
- fremontfcu.com/checking-and-savings/for-youth
- fremontfcu.com/checking-and-sa…uth/dollar-dog-kids-club
- fremontfcu.com/rates
All captured Oct 6, 2026
HSA Savings
0.15%APY
Must be covered by a high-deductible health plan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum daily balance to earn dividends is $1,000.00 and higher. Dividends compound and paid quarterly.$1,000 and up | 0.15% | $15 | Minimum daily balance to earn dividends is $1,000.00 and higher. Dividends compound and paid quarterly. |
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Balance tier $.01-999.99 to earn dividends. Dividends compound and paid quarterly.Up to $1,000 | 0.15% | — | Balance tier $.01-999.99 to earn dividends. Dividends compound and paid quarterly. |
Sources (2)
All captured Oct 6, 2026
Who can join Fremont 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
- Membership is open to individuals who live, work, worship, volunteer, or attend school in Sandusky, Ottawa, Seneca, Wood, Hancock, Lucas, or Fulton Counties.
Family and household
- Membership is open to individuals who have family members who are existing Fremont Federal Credit Union members.
Membership information collected October 5, 2026.