Credit union · NCUA insured
Jolt Credit Union Savings Rates
Jolt Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Jolt Credit Union’s savings rates compare
Compared with banks and credit unions near Saginaw, MI, where Jolt Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Jolt Credit Union
1.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $150
Kasasa Saver Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Members First Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Jolt Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.38%
- QualifiedQualified1.50%
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.
Where Jolt 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 Account
1.50%APY
Links to Kasasa Cash or Kasasa Cash Back checking account. No minimum balance or monthly fees. To earn qualification rates, must meet checking qualifications per monthly qualification cycle: at least 12 debit card purchases, at least 1 direct deposit or automatic payment (ACH), and enrolled in eStatements. Tiers are split/tiered.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000If qualifications are met. Only the funds that comprise each tier will earn the rate for that tier. | 1.50% | $150 | If qualifications are met. Only the funds that comprise each tier will earn the rate for that tier. |
| $50,000 and upIf qualifications are met; daily balances $50,000.00 or greater earn 0.399% dividend rate, resulting in APY range 0.40% to 0.77% (based on assumed balance of $150,000). | 0.77% | — | If qualifications are met; daily balances $50,000.00 or greater earn 0.399% dividend rate, resulting in APY range 0.40% to 0.77% (based on assumed balance of $150,000). |
Sources (1)
- joltcu.com/bank/kasasa-accounts · captured Oct 5, 2026
Super Saver Account
Up to 0.38%APY
Super Saver Account is a split tier where each tier receives the dividend that applies. Interest is calculated on the actual daily balance without compounding and credited quarterly. If balance falls below 1st tier ($25,000), member receives 0.00% for the interest period. No check writing.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $49,999Tier 1: Balance between $25,000 and $49,999 receives 1st tier rate. | 0.28% | — | Tier 1: Balance between $25,000 and $49,999 receives 1st tier rate. |
| $50,000 and upTier 2: Balance of $50,000 and above receives the 2nd tier rate (0.375% dividend rate, APY range 0.280% to 0.380%). | 0.38% | — | Tier 2: Balance of $50,000 and above receives the 2nd tier rate (0.375% dividend rate, APY range 0.280% to 0.380%). |
Sources (2)
All captured Oct 5, 2026
Money Market
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $9,999 | 0.20% | — |
| $10,000 and up | 0.25% | $25 |
Sources (2)
All captured Oct 5, 2026
Miscellaneous Savings
0.05%APY
No monthly fee. Available once membership is established. Dividends calculated daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.05% | $5 |
Savings
0.05%APY
Requires $5 deposit to open membership and must maintain at least $5 while open. Dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Special-purpose accounts
IRA Super Saver
Up to 0.38%APY
IRA Super Saver Account is a split tier. Dividends compounded and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $49,999Tier 1 rate. | 0.28% | — | Tier 1 rate. |
| $50,000 and upTier 2 rate (0.375% dividend rate, APY range 0.280% to 0.380%). | 0.38% | — | Tier 2 rate (0.375% dividend rate, APY range 0.280% to 0.380%). |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.05%APY
Free Christmas Club account. Dividends compounded and paid monthly. Balance deposited into regular savings in October.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.05% | $5 |
IRA Share
0.05%APY
IRA Share savings account. Dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.05% | $5 |
Sources (1)
- joltcu.com/current-rates · captured Oct 5, 2026
Who can join Jolt Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work, or attend schools in Bay, Saginaw, Midland, Gratiot, Gladwin, Isabella, Clare, Arenac, Tuscola, Huron, Sanilac, Osceola, Wexford, Mecosta, Montcalm, Iosco, Ogemaw, Roscommon, and Missaukee counties are eligible for membership.
Employers and groups
- Employees of the Credit Union are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, or adoption) and individuals living in the same household as a current member are eligible for membership.
- A spouse of a deceased member is eligible for membership if accepted into membership prior to remarriage.
Other ways
- Any legal entity that is comprised for the most part of the same general group as the membership of the Credit Union is eligible for membership.
Membership information collected October 5, 2026.