Credit union · NCUA insured
North Central Area Credit Union Savings Rates
Top CarrotNorth Central Area Credit Union’s best savings rate is 1.90% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How North Central Area Credit Union’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where North Central Area Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Central Area Credit Union
1.90%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $190
Money Market
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
North Central Area Credit Union savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0001.90%
- $100,000 balance$100,0002.60%
- QualifiedQualified1.90%
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 North Central Area 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
Up to 1.90%APY
Up to 3 free withdrawals or transfers per statement period/month. Must maintain a minimum balance of $1,000 at all times to avoid a $5.00 monthly fee. Rates not available to businesses.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,499 and up$5.00 monthly fee if balance falls below $1,000 at any point during the month. | 0.00% | $0 | $5.00 monthly fee if balance falls below $1,000 at any point during the month. |
| $2,500 and up$5.00 monthly fee if balance falls below $1,000 at any point during the month. | 1.90% | $190 | $5.00 monthly fee if balance falls below $1,000 at any point during the month. |
| $25,000 and up$5.00 monthly fee if balance falls below $1,000 at any point during the month. | 2.15% | — | $5.00 monthly fee if balance falls below $1,000 at any point during the month. |
| $50,000 and up$5.00 monthly fee if balance falls below $1,000 at any point during the month. | 2.40% | — | $5.00 monthly fee if balance falls below $1,000 at any point during the month. |
| $100,000 and up$5.00 monthly fee if balance falls below $1,000 at any point during the month. | 2.60% | — | $5.00 monthly fee if balance falls below $1,000 at any point during the month. |
| $250,000 and up$5.00 monthly fee if balance falls below $1,000 at any point during the month. | 2.85% | — | $5.00 monthly fee if balance falls below $1,000 at any point during the month. |
Sources (3)
- ncacu.org/money-market
- ncacu.org/savings-rates
- ncacu.org/wp-content/uploads/N…edule-05182026-v14-1.pdf
All captured Oct 5, 2026
Liquid Savers
0.50%APY
Rates may change after the account is opened. Subject to change without notice. Unlimited free deposits and withdrawals totaling at least $250 per transaction.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 – $1,000 | 0.10% | — |
| $1,000 – $5,000 | 0.25% | — |
| $5,000 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.60% | — |
| $50,000 and up | 0.75% | — |
Sources (2)
All captured Oct 16, 2026
Keep Your Change
0.05%APY
Rounds debit card transactions up to the nearest dollar and transfers spare change into savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Prime Share
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
Secondary Share
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- ncacu.org/savings-rates · captured Oct 16, 2026
Shares Plus
0.05%APY
Program suspended; see account and contact credit union for details.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSuspendedAny balance | 0.05% | $5 | Suspended |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.25%APY
Funds automatically transfer to savings account every November 1st (or October 31st). One withdrawal permitted between November 1 and October 30.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
- ncacu.org/additional-savings
- ncacu.org/savings-rates
- ncacu.org/wp-content/uploads/N…edule-05182026-v14-1.pdf
All captured Oct 16, 2026
Who can join North Central Area 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, worships, or attends school in Michigan is eligible to join.
Membership information collected October 5, 2026.