Michigan One Community Credit Union Savings & Money Market Rates

How Michigan One Community Credit Union’s savings rates compare

Compared with banks and credit unions near Grand Rapids, MI, where Michigan One Community Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Michigan One Community Credit Union
1.25%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$125
Money Market Manager
Top rate
Ignite Credit Union
5.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$500
Ignite Credit Union rates
2nd-highest rate
First National Bank of America
4.20%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$420
First National Bank of America rates

Compare savings rates near you →

Savings score

Higher than 80% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.25%
$10,000 balance$10,0001.25%
$100,000 balance$100,0002.50%
QualifiedQualified1.25%

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.

How the score works →

Where Michigan One Community 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 Manager

1.25%APY$1,000 to open

Must maintain a balance of at least $1,000 to earn interest and avoid a $10 monthly fee. Up to 6 withdrawals per month by check. Compounding is monthly. Available for member deposits only.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $24,999Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.	1.25%	$125	Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.
$25,000 – $49,999Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.	1.75%	—	Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.
$50,000 – $99,999Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.	2.00%	—	Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.
$100,000 – $249,999Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.	2.50%	—	Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.
$250,000 and upMaintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.	2.85%	—	Maintain a minimum balance of $1,000 to earn interest and avoid a $10 monthly fee.

Sources (2)

All captured Oct 5, 2026

All Shares

0.01%APY$5 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$100 – $49,999	0.01%	$1
$50,000 and up	0.05%	—

Sources (1)

m1ccu.org/current-rates · captured Oct 5, 2026

Special-purpose accounts

IRA Savings

0.25%APYIRA

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$100 and up	0.25%	$25

Sources (1)

m1ccu.org/current-rates · captured Oct 5, 2026

Who can join Michigan One Community 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 all persons who live, work, worship, or attend school anywhere in the state of Michigan.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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