Credit union · NCUA insured
Lake Huron Credit Union Savings Rates
Top CarrotLake Huron Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Lake Huron Credit Union’s savings rates compare
Compared with banks and credit unions near Saginaw, MI, where Lake Huron Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lake Huron Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market 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
Lake Huron Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.00%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.36%
- 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.
Where Lake Huron 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.
Money Market Account
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $20,000 | 0.50% | $50 |
| $20,000 – $50,000 | 0.75% | — |
| $50,000 – $75,000 | 1.01% | — |
| $75,000 – $150,000 | 1.36% | — |
| $150,000 and up | 1.51% | — |
Prime Share Savings Account
0.05%APY
Dividends are calculated on the average daily balance and compounded and credited quarterly. Membership requires opening a Prime Share Account with an initial $5.00 deposit to purchase a share, which must remain in the account to retain membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $5,000 | 0.02% | — |
| $5,000 – $10,000 | 0.05% | $5 |
| Over $10,000 | 0.05% | — |
Side Share & Share Secured Accounts
0.05%APY
Pays same as Prime Share Rates. No minimum balance requirement. Unlimited deposits and/or withdrawals. Dividends calculated on average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Same as Prime Share Rates tier | 0.00% | — | Same as Prime Share Rates tier |
| $1,000 – $5,000Same as Prime Share Rates tier | 0.02% | — | Same as Prime Share Rates tier |
| $5,000 – $10,000Same as Prime Share Rates tier | 0.05% | $5 | Same as Prime Share Rates tier |
| Over $10,000Same as Prime Share Rates tier | 0.05% | — | Same as Prime Share Rates tier |
Special-purpose accounts
IRA Shared Savings Account
0.20%APY
No minimum deposit required. Dividends are calculated daily and paid quarterly. No fees or handling charges.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Dolly Bill Club (Kid's Club)
0.10%APY
Open to children 0 to 12 years old. Requires a copy of the child's social security card and an adult (18+) on the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
All captured Sep 18, 2026
Teen's Club
0.10%APY
Open to young adults 13 to 17 years old. Requires a copy of the teen's social security card & a photo ID for those 16+, and an adult (18+) on the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
All captured Sep 18, 2026
Christmas / Holiday Club Account
0.05%APY
Pays same as Prime Share Rates. No minimum balance requirement. Dividends calculated on average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Same as Prime Share Rates tier | 0.00% | — | Same as Prime Share Rates tier |
| $1,000 – $5,000Same as Prime Share Rates tier | 0.02% | — | Same as Prime Share Rates tier |
| $5,000 – $10,000Same as Prime Share Rates tier | 0.05% | $5 | Same as Prime Share Rates tier |
| Over $10,000Same as Prime Share Rates tier | 0.05% | — | Same as Prime Share Rates tier |
Health Savings Account (HSA)
0.05%APY
Pays same as Prime Share Rates. Must have a high-deductible health insurance plan to be eligible. Deposits made into HSA are 100% tax deductible.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Same as Prime Share Rates tier | 0.00% | — | Same as Prime Share Rates tier |
| $1,000 – $5,000Same as Prime Share Rates tier | 0.02% | — | Same as Prime Share Rates tier |
| $5,000 – $10,000Same as Prime Share Rates tier | 0.05% | $5 | Same as Prime Share Rates tier |
| Over $10,000Same as Prime Share Rates tier | 0.05% | — | Same as Prime Share Rates tier |
Vacation Club Account
0.05%APY
Pays same as Prime Share Rates. No minimum balance requirement. Dividends calculated on average daily balance and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Same as Prime Share Rates tier | 0.00% | — | Same as Prime Share Rates tier |
| $1,000 – $5,000Same as Prime Share Rates tier | 0.02% | — | Same as Prime Share Rates tier |
| $5,000 – $10,000Same as Prime Share Rates tier | 0.05% | $5 | Same as Prime Share Rates tier |
| Over $10,000Same as Prime Share Rates tier | 0.05% | — | Same as Prime Share Rates tier |
Who can join Lake Huron 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 anyone who lives, works, worships, or attends school in Saginaw, Bay, or Midland Counties.
Employers and groups
- Membership is open to employees of auto dealerships, repair garages, and parts distributors.
- Membership is open to members of Teamsters Local 486.
- Membership is open to employees of trucking companies.
Family and household
- Membership is open to members of the immediate families and retirees of any of the qualifying groups.
Other ways
- Membership is open to any person over the age of 55 receiving retirement income who lives in or belongs to a retirement organization located in the county or a contiguous county where the credit union's main office is located.
Cost to join
- An initial deposit of $5.00 is required upon applying for membership.
Membership information collected October 5, 2026.