Health Advantage Credit Union High-Yield Savings & Money Market Rates

How Health Advantage Credit Union’s savings rates compare

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

This credit union’s best
Health Advantage Credit Union
0.50%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$50
MONEYPlus Account
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 54% of U.S. banks and credit unions

By balance

$1,000 balance$1,0005.00%
$10,000 balance$10,0000.50%
$100,000 balance$100,0001.75%
QualifiedQualified0.50%

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.

How the score works →

Where Health Advantage 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.

Emergency Savings

0.05%APY

Only one account allowed per primary account owner's social security number. Tiered-rate account: specified rate applies only to the portion of balance within that tier. No monthly fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Split-tier calculation; applies to the portion of balance from $0 up to $5,000.	5.00%	—	Split-tier calculation; applies to the portion of balance from $0 up to $5,000.
$5,001 and upSplit-tier calculation; applies to the portion of balance over $5,000.	0.05%	$5	Split-tier calculation; applies to the portion of balance over $5,000.

Sources (4)

All captured Oct 5, 2026

MONEYPlus Account

0.50%APY$2,500 to open

Tiered APY based on balance. Stated tier dividend rate applies to entire balance within tier. Minimum opening deposit $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $24,9990.500% APY for balances $2,500\u2013$24,999.	0.50%	$50	0.500% APY for balances $2,500\u2013$24,999.
$25,000 – $99,9991.000% APY for balances $25,000\u2013$99,999.	1.00%	—	1.000% APY for balances $25,000\u2013$99,999.
$100,000 – $249,9991.750% APY for balances $100,000\u2013$249,999.	1.75%	—	1.750% APY for balances $100,000\u2013$249,999.
$250,000 – $499,9992.000% APY for balances $250,000\u2013$499,999.	2.00%	—	2.000% APY for balances $250,000\u2013$499,999.
$500,000 and up2.250% APY for balances $500,000 and over.	2.25%	—	2.250% APY for balances $500,000 and over.

Sources (3)

All captured Oct 5, 2026

Primary Savings

0.05%APY$5 to open

Membership required ($5 minimum deposit for par value of one share to open membership). Minimum balance fee of $5/month applies if aggregate balance across Savings, Certificates, and Checking is under $100, waived with 3+ monthly checking/HSA transactions, an active loan/credit card/IRA/ESA, or if under 21 or over 69 years old.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$250 and upRates variable. Balance of $250 and over required to earn stated APY. Opening deposit of $5 required.$250 and up	0.05%	$5	Rates variable. Balance of $250 and over required to earn stated APY. Opening deposit of $5 required.

Sources (4)

All captured Oct 5, 2026

Special Savings

0.05%APY

No minimum opening balance requirement. Open up to 99 separate goal accounts. Membership required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$250 and upRates variable. Balance of $250 and over required to earn stated APY. $0 opening minimum.$250 and up	0.05%	$5	Rates variable. Balance of $250 and over required to earn stated APY. $0 opening minimum.

Sources (4)

All captured Oct 5, 2026

Special-purpose accounts

Young Savers

2.00%APYKids and teens

Primary account owner must be under age 21 (ages 0\u201320). At age 21, account is closed and funds transferred to Primary Savings account. Only one account allowed per primary owner's social security number. Tiered-rate account: specified rate applies only to the portion of balance within that tier. Requires $5 on deposit in a regular savings account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $14,999Split-tier calculation; applies to the portion of balance from $0 up to $14,999. For members age 20 and under.	2.00%	$200	Split-tier calculation; applies to the portion of balance from $0 up to $14,999. For members age 20 and under.
$15,000 and upSplit-tier calculation; applies to the portion of balance $15,000 and over. For members age 20 and under.	0.05%	—	Split-tier calculation; applies to the portion of balance $15,000 and over. For members age 20 and under.

Sources (4)

All captured Oct 5, 2026

Coverdell Education Savings Account (ESA)

0.25%APYIRA

Save up to $2,000 per year, per child until they turn 18. Transferable between eligible family members.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $19,999Tiered rate applied to entire balance within tier.	0.25%	$25	Tiered rate applied to entire balance within tier.
$20,000 – $49,999Tiered rate applied to entire balance within tier.	0.35%	—	Tiered rate applied to entire balance within tier.
$50,000 – $99,999Tiered rate applied to entire balance within tier.	0.45%	—	Tiered rate applied to entire balance within tier.
$100,000 and upTiered rate applied to entire balance within tier.	0.65%	—	Tiered rate applied to entire balance within tier.

Sources (3)

All captured Oct 5, 2026

Health Savings Account (HSA)

0.25%APYHSA

Available to individuals covered by a High Deductible Health Plan (HDHP). No monthly service fees. No minimum balance requirement.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $19,999Tiered rate applied to entire balance within tier.	0.25%	$25	Tiered rate applied to entire balance within tier.
$20,000 – $49,999Tiered rate applied to entire balance within tier.	0.35%	—	Tiered rate applied to entire balance within tier.
$50,000 – $99,999Tiered rate applied to entire balance within tier.	0.45%	—	Tiered rate applied to entire balance within tier.
$100,000 and upTiered rate applied to entire balance within tier.	0.65%	—	Tiered rate applied to entire balance within tier.

Sources (3)

All captured Oct 5, 2026

IRA Savings

0.25%APYIRA

Available as Traditional IRA or Roth IRA. No maintenance fees. Penalty may apply for early withdrawal or withdrawals made before age 59 1/2 unless exceptions apply.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $19,999Tiered rate applied to entire balance within tier.	0.25%	$25	Tiered rate applied to entire balance within tier.
$20,000 – $49,999Tiered rate applied to entire balance within tier.	0.35%	—	Tiered rate applied to entire balance within tier.
$50,000 – $99,999Tiered rate applied to entire balance within tier.	0.45%	—	Tiered rate applied to entire balance within tier.
$100,000 and upTiered rate applied to entire balance within tier.	0.65%	—	Tiered rate applied to entire balance within tier.

Sources (2)

All captured Oct 5, 2026

Christmas Club

0.05%APYClub

Entire balance automatically transferred to regular share savings account on or after October 1, and account remains open. No monthly fees.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$250 and upRates variable. Balance of $250 and over required to earn stated APY. Funds automatically payout/transfer in October.$250 and up	0.05%	$5	Rates variable. Balance of $250 and over required to earn stated APY. Funds automatically payout/transfer in October.

Sources (4)

All captured Oct 5, 2026

Vacation Club

0.05%APYClub

Club savings account designed to save for vacation or special goals. Membership required. Transfers to Share Savings in October.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$250 and upRates variable. Balance of $250 and over required to earn stated APY.$250 and up	0.05%	$5	Rates variable. Balance of $250 and over required to earn stated APY.

Sources (4)

All captured Oct 5, 2026

Who can join Health Advantage Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

Employees of the credit union are eligible to join.
Employees, independent contractors, or self-employed individuals who regularly work in the Healthcare Industry in the State of Michigan are eligible for membership.
Retirees from the healthcare industry are eligible to join.

Family and household

Members of immediate families or households of eligible persons may join.

Other ways

Organizations of such eligible persons may join the credit union.
Spouses of persons who have died while within the Healthcare Industry are eligible to join.

Cost to join

A minimum deposit balance of $5.00 is required to open a share savings account; there is no membership fee.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← Health Advantage Credit Union overview

How Health Advantage Credit Union’s savings rates compare

Health Advantage Credit Union savings score

Current savings rates

Emergency Savings

MONEYPlus Account

Primary Savings

Special Savings

Special-purpose accounts

Young Savers

Coverdell Education Savings Account (ESA)

Health Savings Account (HSA)

IRA Savings

Christmas Club

Vacation Club

Who can join Health Advantage Credit Union

Employers and groups

Family and household

Other ways

Cost to join