Credit union · NCUA insured
Michigan United Credit Union Savings Rates
Top CarrotMichigan United Credit Union’s best savings rate is 0.10% APY on $10,000, with its Super Saver. Rates checked October 16, 2026.
How Michigan United Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Michigan United Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Michigan United Credit Union
0.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $10
Super Saver
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Michigan United Credit Union savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- 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 Michigan United 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.
Super Saver
0.10%APY
Tiered account where more deposited earns higher interest rate. Interest is paid and compounded monthly using the daily balance. Minimum amount required to open is $2,500. Rate may change as determined by the Board of Directors. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Below $2,500 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. | 0.05% | — | Below $2,500 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. |
| $2,500 – $24,999$2,500 – $24,999 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. | 0.10% | $10 | $2,500 – $24,999 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. |
| $25,000 – $99,999$25,000 – $99,999 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. | 0.15% | — | $25,000 – $99,999 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. |
| $100,000 – $499,999$100,000 – $499,999 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. | 0.20% | — | $100,000 – $499,999 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. |
| $500,000 and upOver $500,000 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. | 0.25% | — | Over $500,000 balance tier. Minimum amount required to open account is $2,500. Calculated daily, paid and compounded monthly. |
Sources (3)
All captured Oct 5, 2026
Regular Savings
0.05%APY
Foundation of credit union membership. Ideal for savers of all ages. Deposit as much as you like, whenever you like. Rates are calculated daily, paid and compounded monthly. Rate may change as determined by the Board of Directors. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCalculated daily, paid and compounded monthly. Minimum deposit and minimum balance of $5.00.$5 and up | 0.05% | $5 | Calculated daily, paid and compounded monthly. Minimum deposit and minimum balance of $5.00. |
Sources (3)
All captured Oct 5, 2026
Secondary Savings
0.05%APY
Rates are calculated daily, paid and compounded monthly. Rate may change as determined by the Board of Directors. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCalculated daily, paid and compounded monthly. Minimum deposit and balance $0.00.Any balance | 0.05% | $5 | Calculated daily, paid and compounded monthly. Minimum deposit and balance $0.00. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts
0.10%APY
Available as Traditional or Roth IRA. Payroll deduction or add any amount up to annual maximum allowed per person per year. Never carries an annual maintenance fee. IRS penalty for early withdrawal and allows only one rollover every 365 days. Rates calculated daily, paid and compounded monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $100 and upNo annual maintenance fee. Calculated daily, paid and compounded monthly. Minimum deposit and balance $100.00. · $100 to open | 0.10% | $100 | $10 | No annual maintenance fee. Calculated daily, paid and compounded monthly. Minimum deposit and balance $100.00. |
| $25,000 and upNo annual maintenance fee. Calculated daily, paid and compounded monthly. Minimum deposit and balance $25,000.00. · $25,000 to open | 0.15% | $25,000 | — | No annual maintenance fee. Calculated daily, paid and compounded monthly. Minimum deposit and balance $25,000.00. |
Sources (3)
All captured Oct 5, 2026
Christmas Savings
0.05%APY
Automatically sets money aside throughout the year. Money is available for withdrawal at any time and automatically transfers to your regular savings or checking account on November 1st. Rates are calculated daily, paid and compounded monthly. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCalculated daily, paid and compounded monthly. Automatically transfers to regular savings or checking account on November 1st. Minimum deposit and balance $0.00.Any balance | 0.05% | $5 | Calculated daily, paid and compounded monthly. Automatically transfers to regular savings or checking account on November 1st. Minimum deposit and balance $0.00. |
Sources (3)
- michiganunitedcu.org/dividend-rates
- michiganunitedcu.org/clubsavings
- michiganunitedcu.org/deposit-rates
All captured Oct 5, 2026
Health Savings Account
0.05%APY
Available if you have a high-deductible medical plan. Used for qualified medical expenses. Funds are tax-deferred with no use-it-or-lose-it rule; money rolls over from year to year. Payroll deduction available up to annual plan maximum. Never carries an annual maintenance fee. Rates calculated daily, paid and compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo annual maintenance fee. Calculated daily, paid and compounded monthly. Minimum deposit and balance $0.00.Any balance | 0.05% | $5 | No annual maintenance fee. Calculated daily, paid and compounded monthly. Minimum deposit and balance $0.00. |
Sources (3)
- michiganunitedcu.org/dividend-rates
- michiganunitedcu.org/healthsavings
- michiganunitedcu.org/deposit-rates
All captured Oct 5, 2026
Vacation Savings
0.05%APY
Interest-earning vacation club account; use payroll deduction to save throughout the year. Money is available for withdrawal at any time and automatically transfers to your regular savings or checking account on July 1st. Rates are calculated daily, paid and compounded monthly. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCalculated daily, paid and compounded monthly. Automatically transfers to regular savings or checking account on July 1st. Minimum deposit and balance $0.00.Any balance | 0.05% | $5 | Calculated daily, paid and compounded monthly. Automatically transfers to regular savings or checking account on July 1st. Minimum deposit and balance $0.00. |
Sources (3)
- michiganunitedcu.org/dividend-rates
- michiganunitedcu.org/clubsavings
- michiganunitedcu.org/deposit-rates
All captured Oct 5, 2026
Who can join Michigan United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside, work, worship, or attend school in the state of Michigan are eligible for membership.
Cost to join
- A minimum cash deposit and balance of $5 in a share savings account is required to join and maintain member benefits.
Membership information collected October 5, 2026.