Credit union · NCUA insured
Honor Credit Union Savings Rates
Honor Credit Union’s best savings rate is 0.15% APY on $10,000, with its Momentum Money Market. Rates checked October 16, 2026.
How Honor Credit Union’s savings rates compare
Compared with banks and credit unions near Niles, MI, where Honor Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Honor Credit Union
3.37%APY
- Requires
- Monthly account activity
- Minimum
- $0.01
- Earns on $10,000 a year
- $337
Amplify Money Market
Top rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Horizon Bank
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
Honor Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0000.60%
- QualifiedQualified3.37%
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 Honor 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.
Amplify Money Market
Up to 3.37%APY
*Terms & Conditions: Amplify Money Market *APY = Annual Percentage Yield. Rates accurate as of 5/4/26. $0.01 minimum deposit required to earn the base dividend of 0.50% APY. An additional bonus dividend of 2.87% APY requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account – In order to satisfy the relationship bonus dividend requirements, credit card and debit card transactions must be from accounts within the same membership as the Amplify Money Market account and transactions must be posted by 5:00 PM EST on the last business day of the month. Please note that Honor posts transactions based on how they are received from merchants. Accounts meeting both of the qualifying requirements will earn a total dividend of 3.37% APY. Rates are variable and subject to change without notice. Insured by NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Total dividend of 3.37% APY (includes additional bonus dividend of 2.87% APY). Requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account within the same membership, posted by 5:00 PM EST on the last business day of the month. $0.01 minimum deposit required.Over $0 | 3.37% | $337 | Total dividend of 3.37% APY (includes additional bonus dividend of 2.87% APY). Requires at least 1 cleared credit card transaction per month on a Select Credit Card or Select Rewards Credit Card account AND at least 1 cleared signature-based or PIN-based point of sale (POS) debit transaction per month (PIN-based ATM transactions not eligible) on a Benefits Checking or Connect Checking account within the same membership, posted by 5:00 PM EST on the last business day of the month. $0.01 minimum deposit required. |
| Over $0Base dividend 0.50% APY. $0.01 minimum deposit required.Over $0 | 0.50% | $50 | Base dividend 0.50% APY. $0.01 minimum deposit required. |
Sources (1)
- honorcu.com/savings-rates · captured Oct 5, 2026
Surge Money Market
1.20%APY on $10,000
*Terms & Conditions: Surge Money Market *APY = Annual Percentage Yield. Rates accurate as of 11/1/24. $.01 minimum balance required to earn up to 4.00% APY. Surge Money Market is a blended tiered rate account which pays a different rate on the amount of funds in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. A higher daily balance, when moving up the tiers, will result in a lower APY being earned. One account per membership. Rates are variable and subject to change without notice. Insured by NCUA.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 3.93% |
| $1,000 – $2,500 | 1.98% |
| $2,500 – $5,000 | 0.99% |
| $5,000 – $10,000 | 0.50% |
| $10,000 – $1,000,000 | 0.25% |
On $10,000 the tiers blend to about 1.20% APY, earning $120 a year.
Sources (1)
- honorcu.com/savings-rates · captured Oct 5, 2026
Momentum Money Market
0.15%APY
*Terms & Conditions: Momentum Money Market *APY= Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Some restrictions may apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 0.15% | $15 |
| $50,000 – $100,000 | 0.30% | — |
| $100,000 – $250,000 | 0.60% | — |
| $250,000 – $500,000 | 0.80% | — |
| $500,000 and up | 1.00% | — |
Sources (1)
- honorcu.com/savings-rates · captured Oct 5, 2026
Share Savings
0.01%APY
Applies to balances of $5.00 or more. Youth under age 18 receive an additional 0.25% APY to stated rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFor balances on $5.00 or more. Youth under age 18 receive an additional 0.25% APY to stated rates.$5 and up | 0.01% | $1 | For balances on $5.00 or more. Youth under age 18 receive an additional 0.25% APY to stated rates. |
Sources (1)
- honorcu.com/savings-rates · captured Oct 5, 2026
Special-purpose accounts
Health Savings (HSA)
0.25%APY
Youth under age 18 receive an additional 0.25% APY to stated rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceYouth under age 18 receive an additional 0.25% APY to stated rates.Any balance | 0.25% | $25 | Youth under age 18 receive an additional 0.25% APY to stated rates. |
Sources (1)
- honorcu.com/savings-rates · captured Oct 5, 2026
Traditional IRA, Roth IRA, Coverdell Education Savings Account
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- honorcu.com/savings-rates · captured Oct 5, 2026
Christmas Savings
0.01%APY
Youth under age 18 receive an additional 0.25% APY to stated rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceYouth under age 18 receive an additional 0.25% APY to stated rates.Any balance | 0.01% | $1 | Youth under age 18 receive an additional 0.25% APY to stated rates. |
Sources (1)
- honorcu.com/savings-rates · captured Oct 5, 2026
Vacation Savings
0.01%APY
Youth under age 18 receive an additional 0.25% APY to stated rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceYouth under age 18 receive an additional 0.25% APY to stated rates.Any balance | 0.01% | $1 | Youth under age 18 receive an additional 0.25% APY to stated rates. |
Sources (1)
- honorcu.com/savings-rates · captured Oct 5, 2026
Who can join Honor Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in select Indiana counties (Lake, Porter, LaPorte, St. Joseph, Elkhart, Lagrange, Steuben, Newton, Jasper, Starke, Marshal, Kosciusko, Noble, or Dekalb) are eligible to join.
- Individuals who live, work, or worship in the state of Michigan are eligible to join.
- Individuals who live or work in select Wisconsin counties (Iron, Vilas, Forest, Florence, or Marinette) are eligible to join.
Employers and groups
- Individuals who make a verified donation to Special Olympics Michigan and sign up for their newsletter are eligible to join (not available for Indiana residents).
Military, government and schools
- Individuals enrolled in a college, university, or trade school in Michigan are eligible for membership.
Family and household
- Immediate family members of current Honor Credit Union members are eligible to join.
Membership information collected October 5, 2026.