Credit union · NCUA insured
Michigan Coastal Credit Union Savings Rates
Michigan Coastal Credit Union’s best savings rate is 0.75% APY on $10,000, with its MONEY MARKET. Rates checked October 16, 2026.
How Michigan Coastal Credit Union’s savings rates compare
Compared with banks and credit unions near Muskegon, MI, where Michigan Coastal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Michigan Coastal Credit Union
0.75%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $75
MONEY MARKET
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
Michigan Coastal Credit Union savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.65%
- QualifiedQualified0.75%
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 Michigan Coastal 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
0.75%APY
Fees may reduce earnings. Rate may change after the account is opened.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 and upFees may reduce earnings. Rate may change after the account is opened. · $2,500 to open | 0.75% | $2,500 | $75 | Fees may reduce earnings. Rate may change after the account is opened. |
| $20,000 and upFees may reduce earnings. Rate may change after the account is opened. · Unknown to open | 1.10% | Unknown | — | Fees may reduce earnings. Rate may change after the account is opened. |
| $50,000 and upFees may reduce earnings. Rate may change after the account is opened. · Unknown to open | 1.30% | Unknown | — | Fees may reduce earnings. Rate may change after the account is opened. |
| $75,000 and upFees may reduce earnings. Rate may change after the account is opened. · Unknown to open | 1.65% | Unknown | — | Fees may reduce earnings. Rate may change after the account is opened. |
Sources (1)
- michigancoastal.com/accounts/savings-rates · captured Oct 5, 2026
REGULAR SHARES
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upFees may reduce earnings. Rate may change after the account is opened.$500 and up | 0.05% | $5 | Fees may reduce earnings. Rate may change after the account is opened. |
Sources (1)
- michigancoastal.com/accounts/savings-rates · captured Oct 5, 2026
Special-purpose accounts
CHRISTMAS CLUB
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees may reduce earnings. Rate may change after the account is opened.Any balance | 0.15% | $15 | Fees may reduce earnings. Rate may change after the account is opened. |
Sources (2)
All captured Oct 5, 2026
VACATION CLUB
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees may reduce earnings. Rate may change after the account is opened.Any balance | 0.05% | $5 | Fees may reduce earnings. Rate may change after the account is opened. |
Sources (2)
All captured Oct 5, 2026
YOUTH SAVINGS ACCT
0.05%APY
Requires child's social security card or government issued photo ID, and qualifying adult over 18 with a valid government issued photo ID.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees may reduce earnings. Rate may change after the account is opened.Any balance | 0.05% | $5 | Fees may reduce earnings. Rate may change after the account is opened. |
Sources (2)
All captured Oct 5, 2026
Who can join Michigan Coastal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in Muskegon, Oceana, Newaygo, Ottawa, Kent, Allegan, Van Buren, Barry, or Kalamazoo Counties, Michigan.
Employers and groups
- Employees of Michigan Coastal Credit Union.
Family and household
- Immediate family members of eligible individuals.
- Spouse of a deceased member if elected to membership prior to remarriage.
Other ways
- Members of record of Father Marquette-Muskegon Deanery Credit Union as of the January 11, 1988 merger date.
- Organizations composed primarily of members of the eligible groups.
1 more way to join
Other ways
- Any person over the age of 55 receiving retirement payments who lives in or belongs to a retirement organization in the county (or contiguous county) where the main office is located.
Membership information collected October 5, 2026.