Credit union · NCUA insured
Lakeshore Federal Credit Union Savings Rates
Lakeshore Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Savings (Regular Shares). Rates checked October 16, 2026.
How Lakeshore Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Muskegon, MI, where Lakeshore Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lakeshore Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Savings (Regular Shares)
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Route 31
3.10%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $310
Lakeshore Federal Credit Union savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.10%
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 Lakeshore Federal 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
0.00%APY
Minimum of $2,000 to earn a dividend. No dividends are earned for any day the account balance falls below $2,000. If the account is closed before dividends are paid, accrued dividends will not be paid. Subject to withdrawal limits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 and up | 0.00% | $0 |
| $20,000 and up | 1.26% | — |
| $50,000 and up | 1.51% | — |
Sources (2)
All captured Oct 5, 2026
Savings (Regular Shares)
0.10%APY
Primary savings account required for credit union membership with a minimum opening deposit of $5.00 that must remain in the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Deposits can be made throughout the year. Account is closed on September 30th of each year by transfer to the regular share account, with dividends paid prior to transfer.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Vacation Savings
0.10%APY
Separate savings account from regular shares. Deposits and withdrawals permitted at any time.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 5, 2026
Who can join Lakeshore Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located within Muskegon County are eligible for membership.
- Individuals who live in Muskegon County are eligible for membership.
- Individuals who work in Muskegon County are eligible for membership.
- Individuals who worship in Muskegon County are eligible for membership.
Employers and groups
- Employees of the credit union are eligible for membership.
- Organizations associated with eligible individuals are eligible for membership.
3 more ways to join
Military, government and schools
- Individuals who attend school in Muskegon County are eligible for membership.
Family and household
- Immediate family members or household members of a current or eligible member are eligible for membership.
- Spouses of persons who were within the field of membership at the time of their passing are eligible for membership.
Cost to join
- A $5.00 deposit is required to purchase a share in the credit union to open a savings account, and must remain in the account until it is closed out.
Membership information collected October 5, 2026.