MSU Federal Credit Union Savings & Money Market Rates

How MSU Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Lansing, MI, where MSU Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
MSU Federal Credit Union
1.25%APY
Minimum
$0
Earns on $10,000 a year
$125
IMMA
Top rate
First National Bank of America
4.20%APY
Minimum
$1,000
Earns on $10,000 a year
$420
First National Bank of America rates
2nd-highest rate
Flagstar Bank
4.00%APY
Minimum
$1
Earns on $10,000 a year
$400
Flagstar Bank rates

Compare savings rates near you →

Savings score

Higher than 79% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.00%
$10,000 balance$10,0001.25%
$100,000 balance$100,0002.15%
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 MSU Federal Credit Union ranks

By savings score, in each area where it has branches

And 2 more areas →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

IMMA

1.25%APYPromotional

Higher dividend paid monthly; additional deposits allowed at any time.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,000 and upValid through 10/11/2026.	1.25%	$125	Valid through 10/11/2026.
$10,000 and upValid through 10/11/2026.	1.25%	$125	Valid through 10/11/2026.
$25,000 and upValid through 10/11/2026.	1.40%	—	Valid through 10/11/2026.
$50,000 and upValid through 10/11/2026.	1.50%	—	Valid through 10/11/2026.
$100,000 and upValid through 10/11/2026.	2.15%	—	Valid through 10/11/2026.
$500,000 and upValid through 10/11/2026.	2.65%	—	Valid through 10/11/2026.
$1,000,000 and upValid through 10/11/2026.	3.50%	—	Valid through 10/11/2026.
$2,000,000 and upValid through 10/11/2026.	3.50%	—	Valid through 10/11/2026.
$5,000,000 and upValid through 10/11/2026.	3.50%	—	Valid through 10/11/2026.

Sources (2)

All captured Oct 5, 2026

Money Market Checking

1.25%APYPromotional

Dividends are calculated daily and paid monthly on balances of $2,000 or more. A monthly fee of $5.00 applies if the balance falls below $2,000. No debit card required and paper statements are optional. Membership in MSUFCU requires opening a Spartan Saver account with a $5 opening deposit.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,000 and upTier 1 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.	1.25%	$125	Tier 1 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.
$10,000 and upTier 2 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.	1.25%	$125	Tier 2 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.
$50,000 and upTier 3 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.	1.50%	—	Tier 3 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.
$100,000 and upTier 4 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.	1.85%	—	Tier 4 rate. $5 monthly fee applies if balance falls below $2,000. Valid thru 10/11/2026.

Sources (2)

All captured Oct 5, 2026

Summer Pay

1.00%APY

Deposits can be made by payroll deductions or automatic transfer with the exception of initial deposit. Withdrawals can only be made during the months of May, June, July, and August. Funds will be transferred automatically to your MSUFCU checking or savings account.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceWithdrawals restricted to May, June, July, and August.Any balance	1.00%	$100	Withdrawals restricted to May, June, July, and August.

Sources (1)

msufcu.org/facultyandstaff · captured Oct 5, 2026

Savings Builder

0.50%APY on $10,000Requirements apply

Must have an active checking account (Rebuild Checking, Totally Green Checking, Classic Checking, or Money Market Checking) to qualify. Limit one Savings Builder account per account. Youth accounts, business accounts, IRAs, and HSAs are not eligible. Blended tiered rate structure where each dividend rate applies only to the portion of the balance within each tier.

Part of the balance	Rate on that part
Up to $1,000	5.00%

On $10,000 the tiers blend to about 0.50% APY, earning $50 a year.

Sources (2)

All captured Oct 5, 2026

Spartan Saver

0.05%APYPromotional$5 to open

Required savings account for all members. Minimum balance of $5.00 required to keep account open.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceValid through 10/31/2026. $5.00 minimum balance required to keep account open.Any balance	0.05%	$5	Valid through 10/31/2026. $5.00 minimum balance required to keep account open.

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

Insured Money Management Account (IMMA)

1.25%APYMoney marketHSAPromotional

Dividends are paid monthly on balances of $2,000 or more (minimum $50 opening balance for IRA/HSA IMMA, no minimum opening balance for regular IMMA). Dividends are not earned on any day the account balance falls below $2,000. Membership in MSUFCU requires opening a Spartan Saver account with a $5 opening deposit.

Sources (2)

All captured Sep 24, 2026

IRA-HSA IMMA

1.25%APYIRAPromotional$50 to open

Insured Money Management Account for IRA/HSA. Traditional/Roth/SEP tax labels remain wrappers within IRA products. Higher dividend paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upValid through 10/11/2026. Minimum initial deposit $50.00.	1.25%	$125	Valid through 10/11/2026. Minimum initial deposit $50.00.
$10,000 and upValid through 10/11/2026.	1.25%	$125	Valid through 10/11/2026.
$25,000 and upValid through 10/11/2026.	1.40%	—	Valid through 10/11/2026.
$50,000 and upValid through 10/11/2026.	1.50%	—	Valid through 10/11/2026.
$100,000 and upValid through 10/11/2026.	2.15%	—	Valid through 10/11/2026.
$500,000 and upValid through 10/11/2026.	2.65%	—	Valid through 10/11/2026.
$1,000,000 and upValid through 10/11/2026.	3.50%	—	Valid through 10/11/2026.
$2,000,000 and upValid through 10/11/2026.	3.50%	—	Valid through 10/11/2026.
$5,000,000 and upValid through 10/11/2026.	3.50%	—	Valid through 10/11/2026.

Sources (2)

All captured Oct 5, 2026

Who can join MSU Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

← MSU Federal Credit Union overview

Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
$50 and upIRA-HSA IMMA - Tier 1. Valid thru 09/27/2026. · $50 to open	1.25%	$50	$125	IRA-HSA IMMA - Tier 1. Valid thru 09/27/2026.
$2,000 and upIMMA - Tier 1. Valid thru 09/27/2026. · $0 to open	1.25%	$0	$125	IMMA - Tier 1. Valid thru 09/27/2026.
$10,000 and upIMMA - Tier 2. Valid thru 09/27/2026. · $0 to open	1.25%	$0	$125	IMMA - Tier 2. Valid thru 09/27/2026.
$10,000 and upIRA-HSA IMMA - Tier 2. Valid thru 09/27/2026. · $50 to open	1.25%	$50	$125	IRA-HSA IMMA - Tier 2. Valid thru 09/27/2026.
$25,000 and upIMMA - Tier 3. Valid thru 09/27/2026. · $0 to open	1.40%	$0	—	IMMA - Tier 3. Valid thru 09/27/2026.
$25,000 and upIRA-HSA IMMA - Tier 3. Valid thru 09/27/2026. · $50 to open	1.40%	$50	—	IRA-HSA IMMA - Tier 3. Valid thru 09/27/2026.
$50,000 and upIMMA - Tier 4. Valid thru 09/27/2026. · $0 to open	1.50%	$0	—	IMMA - Tier 4. Valid thru 09/27/2026.
$50,000 and upIRA-HSA IMMA - Tier 4. Valid thru 09/27/2026. · $50 to open	1.50%	$50	—	IRA-HSA IMMA - Tier 4. Valid thru 09/27/2026.
$100,000 and upIMMA - Tier 5. Valid thru 09/27/2026. · $0 to open	2.15%	$0	—	IMMA - Tier 5. Valid thru 09/27/2026.
$100,000 and upIRA-HSA IMMA - Tier 5. Valid thru 09/27/2026. · $50 to open	2.15%	$50	—	IRA-HSA IMMA - Tier 5. Valid thru 09/27/2026.
$500,000 and upIMMA - Tier 6. Valid thru 09/27/2026. · $0 to open	2.65%	$0	—	IMMA - Tier 6. Valid thru 09/27/2026.
$500,000 and upIRA-HSA IMMA - Tier 6. Valid thru 09/27/2026. · $50 to open	2.65%	$50	—	IRA-HSA IMMA - Tier 6. Valid thru 09/27/2026.
$1,000,000 and upIMMA - Tier 7. Valid thru 09/27/2026. · $0 to open	3.50%	$0	—	IMMA - Tier 7. Valid thru 09/27/2026.
$1,000,000 and upIRA-HSA IMMA - Tier 7. Valid thru 09/27/2026. · $50 to open	3.50%	$50	—	IRA-HSA IMMA - Tier 7. Valid thru 09/27/2026.
$2,000,000 and upIMMA - Tier 8. Valid thru 09/27/2026. · $0 to open	3.50%	$0	—	IMMA - Tier 8. Valid thru 09/27/2026.
$2,000,000 and upIRA-HSA IMMA - Tier 8. Valid thru 09/27/2026. · $50 to open	3.50%	$50	—	IRA-HSA IMMA - Tier 8. Valid thru 09/27/2026.
$5,000,000 and upIMMA - Tier 9. Valid thru 09/27/2026. · $0 to open	3.50%	$0	—	IMMA - Tier 9. Valid thru 09/27/2026.
$5,000,000 and upIRA-HSA IMMA - Tier 9. Valid thru 09/27/2026. · $50 to open	3.50%	$50	—	IRA-HSA IMMA - Tier 9. Valid thru 09/27/2026.

How MSU Federal Credit Union’s savings rates compare

MSU Federal Credit Union savings score

Current savings rates

IMMA

Money Market Checking

Summer Pay

Savings Builder

Spartan Saver

Special-purpose accounts

Insured Money Management Account (IMMA)

IRA-HSA IMMA

Who can join MSU Federal Credit Union