Credit union · NCUA insured
Limestone FCU Savings Rates
Limestone FCU’s best savings rate is 1.30% APY on $10,000, with its Climb Higher Money Market Account. Rates checked October 16, 2026.
How Limestone FCU’s savings rates compare
Compared with banks and credit unions near Sault Ste. Marie, MI, where Limestone FCU has the most branches. $10,000, best rate first.
This credit union’s best
Limestone FCU
1.30%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $130
Climb Higher Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
Nicolet National Bank
1.30%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $130
Limestone FCU savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0005.10%
- $10,000 balance$10,0001.30%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.30%
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 Limestone FCU 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.
Stash Earn Account
5.10%APY
Requires enrollment in Debit Card Round-Up program linked to a VISA Debit Card and/or Dream Points Rewards redemptions. Allows up to 6 withdrawals per month without fee; $5.00 fee per withdrawal for more than 6 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Higher dividend rate paid on balances between $50 and $2,500.Up to $2,500 | 5.10% | — | Higher dividend rate paid on balances between $50 and $2,500. |
Sources (1)
- limestonefcu.com/accounts/savi…ounts/stash-earn-account · captured Oct 5, 2026
Stash Save Account
0.10%APY
SAVE program requires automated monthly fund transfers from LFCU Checking or Savings ($5 minimum to $250 maximum per month). 4 free withdrawals per month; excessive withdrawals incur a $10.00 fee each.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Higher dividend tier applies on balances $50.00 to $1,000.00. | 5.10% | — | Higher dividend tier applies on balances $50.00 to $1,000.00. |
| Over $1,000Tier applies to balances of $1,000.01 or more. | 0.10% | $10 | Tier applies to balances of $1,000.01 or more. |
Sources (1)
- limestonefcu.com/accounts/savi…ounts/stash-save-account · captured Oct 5, 2026
Climb Higher Money Market Account
1.30%APY
Minimum of $10,000 to open. No more than three (3) withdrawals per month ($10 fee for additional withdrawals). If balance falls below the minimum required balance, a fee of $10 will be charged.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.30% | — |
| $10,000 – $25,000 | 1.30% | $130 |
| $25,000 – $50,000 | 1.40% | — |
| $50,000 – $500,000 | 1.75% | — |
| $500,000 and up | 2.00% | — |
Sources (1)
- limestonefcu.com/accounts/chec…limb-higher-money-market · captured Oct 5, 2026
Savings Account
0.10%APY
Requires proper photo identification and a $5.00 opening deposit for credit union membership. Interest is paid quarterly by direct deposit. No monthly or maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStandard interest rate paid quarterly by direct deposit.Any balance | 0.10% | $10 | Standard interest rate paid quarterly by direct deposit. |
Sources (1)
- limestonefcu.com/accounts/savi…accounts/savings-account · captured Oct 5, 2026
Special Savings
0.10%APY
Sub-savings account under the primary membership account for targeted savings (e.g., vacation, taxes, holidays). Interest is not collected until the balance reaches $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upInterest rate applies to balances of $50 or more.$50 and up | 0.10% | $10 | Interest rate applies to balances of $50 or more. |
Sources (1)
- limestonefcu.com/accounts/savi…accounts/special-savings · captured Oct 5, 2026
Special-purpose accounts
I.R.A. Accounts
2.50%APY
Available as Traditional IRA or Roth IRA wrappers. Contribution limits up to $6,500 for tax year 2023 and $7,000 for tax year 2024 (plus $1,000 catch-up if age 50 or older).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.50% | $250 |
Sources (2)
All captured Oct 5, 2026
Who can join Limestone FCU
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, work, worship, or attend school in, and businesses and other legal entities located in the State of Michigan are eligible to join.
Family and household
- Members of the immediate family or household of eligible persons can join.
- Spouses of persons who died while within the field of membership of this credit union are eligible to join.
Other ways
- Employees of Limestone FCU are eligible to join.
- Organizations of eligible persons are eligible to join.
- Volunteers in the community are eligible to join.
Cost to join
- To become a member, you must deposit $5.00 in a share account at the Credit Union.
Membership information collected October 5, 2026.