Credit union · NCUA insured
GREAT LAKES Savings Rates
Top CarrotGREAT LAKES’s best savings rate is 2.00% APY on $10,000, with its High Yield Savings. Rates checked October 16, 2026.
How GREAT LAKES’s savings rates compare
Compared with banks and credit unions near Bay City, MI, where GREAT LAKES has the most branches. $10,000, best rate first.
This credit union’s best
GREAT LAKES
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
High Yield Savings
Top rate
FinancialEdge Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
GREAT LAKES savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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.
Where GREAT LAKES 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.
High Yield Savings
2.00%APY
No monthly maintenance fees and no minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMust be New Money and deposited into the High Yield Savings Account. \u201cNew Money\u201d is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($1) and compounded monthly.$1 and up | 2.00% | $200 | Must be New Money and deposited into the High Yield Savings Account. \u201cNew Money\u201d is defined as money not on deposit with Credit Union 1 within the last 12 months and transferred in from a different financial institution (no Credit Union 1 to Credit Union 1 balance transfers allowed at any time). Money removed from Credit Union 1, then redeposited within a 12-month period from the withdrawal, will not be eligible for the High Yield Savings Account Rate. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($1) and compounded monthly. |
Sources (3)
All captured Oct 5, 2026
Money Market Account
0.05%APY
If balance falls below the $2,500 minimum daily balance requirement there is a $10 fee. Dividends are calculated using Daily Balance and are paid and compounded monthly. Checks, pre-authorized transfers, and phone transfers are limited to 6 items per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance to earn dividends is $2,500. $10 fee if balance falls below $2,500 minimum daily balance requirement. | 0.05% | $5 | Minimum balance to earn dividends is $2,500. $10 fee if balance falls below $2,500 minimum daily balance requirement. |
| $25,000 and upMinimum balance to earn dividends is $25,000. $10 fee if balance falls below $2,500 minimum daily balance requirement. | 0.10% | — | Minimum balance to earn dividends is $25,000. $10 fee if balance falls below $2,500 minimum daily balance requirement. |
| $50,000 and upMinimum balance to earn dividends is $50,000. $10 fee if balance falls below $2,500 minimum daily balance requirement. | 0.20% | — | Minimum balance to earn dividends is $50,000. $10 fee if balance falls below $2,500 minimum daily balance requirement. |
| $100,000 and upMinimum balance to earn dividends is $100,000. $10 fee if balance falls below $2,500 minimum daily balance requirement. | 0.30% | — | Minimum balance to earn dividends is $100,000. $10 fee if balance falls below $2,500 minimum daily balance requirement. |
| $250,000 and upMinimum balance to earn dividends is $250,000. $10 fee if balance falls below $2,500 minimum daily balance requirement. | 0.40% | — | Minimum balance to earn dividends is $250,000. $10 fee if balance falls below $2,500 minimum daily balance requirement. |
Additional Savings
0.01%APY
Previously known as Christmas Club and Vacation Club, CU1 Additional Savings accounts help you set aside funds for larger purchases.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($0.01) and compounded monthly.Over $0 | 0.01% | $1 | Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($0.01) and compounded monthly. |
Primary Savings
0.01%APY
CU1\u2019s standard savings account, provided as a part of your membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($5) and compounded monthly.$5 and up | 0.01% | $1 | Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($5) and compounded monthly. |
Special-purpose accounts
Savings Education IRA
0.01%APY
Coverdell Education Savings Account (ESA) / Savings Education IRA for child education savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($0.01) and compound monthly.Over $0 | 0.01% | $1 | Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($0.01) and compound monthly. |
Savings IRA
0.01%APY
Traditional IRA savings account. This account offers the advantage of tax-deductible contributions now, building earnings until you need them, and deferring taxes on your earnings until they are withdrawn.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($0.01) and compound monthly.Over $0 | 0.01% | $1 | Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($0.01) and compound monthly. |
Savings ROTH IRA
0.01%APY
Roth IRA savings account. Contributions and earnings may be withdrawn tax-free within qualifying limits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($0.01) and compound monthly.Over $0 | 0.01% | $1 | Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends ($0.01) and compound monthly. |
Closed to new customers
HSA Savings
0.60%APY
Health Savings Accounts (HSAs) are available to existing accountholders only; CU1 is not currently opening new HSAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends paid on the last day of the month to accountholders maintaining the minimum balance to earn dividends ($10) and compounded monthly. Rates subject to change.$10 and up | 0.60% | $60 | Dividends paid on the last day of the month to accountholders maintaining the minimum balance to earn dividends ($10) and compounded monthly. Rates subject to change. |
Sources (1)
- creditunion1.org/rates · captured Oct 5, 2026
Who can join GREAT LAKES
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