Credit union · NCUA insured
North Memorial FCU Savings Rates
North Memorial FCU’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How North Memorial FCU’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where North Memorial FCU has the most branches. $10,000, best rate first.
This credit union’s best
North Memorial FCU
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
North Memorial FCU savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.50%
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 Memorial FCU 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 Account
0.50%APY
Up to six free withdrawals per month. Minimum withdrawal of $500. $25 monthly service fee if minimum balance is not maintained.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$25 monthly fee applies if minimum balance is not maintained. | 0.50% | — | $25 monthly fee applies if minimum balance is not maintained. |
| $10,000 – $25,000$25 monthly fee applies if minimum balance is not maintained. | 0.50% | $50 | $25 monthly fee applies if minimum balance is not maintained. |
| $25,000 – $50,000Dividend rate text in source contains multiple values ('0.750% 1.00%'); $25 monthly fee applies if minimum balance is not maintained. | 0.75% | — | Dividend rate text in source contains multiple values ('0.750% 1.00%'); $25 monthly fee applies if minimum balance is not maintained. |
| $50,000 – $100,000$25 monthly fee applies if minimum balance is not maintained. | 1.00% | — | $25 monthly fee applies if minimum balance is not maintained. |
| $100,000 and upDividend rate text in source contains multiple values ('1.490% 1.50%'); $25 monthly fee applies if minimum balance is not maintained. | 1.50% | — | Dividend rate text in source contains multiple values ('1.490% 1.50%'); $25 monthly fee applies if minimum balance is not maintained. |
Sources (2)
All captured Sep 18, 2026
Personal Savings / Regular Shares
0.05%APY
All Credit Union members start their membership with a savings (share) account, representing member-ownership. Dividends compounded and credited quarterly; balance computed using Average Daily Balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAverage Daily Balance computation method; compounded quarterly, credited quarterly.$5 and up | 0.05% | $5 | Average Daily Balance computation method; compounded quarterly, credited quarterly. |
Sources (3)
- northmemorialfcu.com
- northmemorialfcu.com/rates-fees
- northmemorialfcu.com/accounts-services/savings-accounts
All captured Sep 24, 2026
WINcentive Share
0.05%APY
Prize-linked savings account. Every $25 saved per month earns one entry into cash prize drawings ranging from $100 to $5,000 (up to 4 entries per month). Rates effective 05/01/2026; subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRates effective 05/01/2026; subject to change.$5 and up | 0.05% | $5 | Rates effective 05/01/2026; subject to change. |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
IRA Deposit Account
0.15%APY
Tax-deferred savings account (Traditional / Roth IRA). Tax-deferred dividends compounded and paid quarterly; Average Daily Balance computation method. Contributions may be tax-deductible.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly, credited quarterly; Average Daily Balance computation method.Any balance | 0.15% | $15 | Compounded quarterly, credited quarterly; Average Daily Balance computation method. |
Sources (2)
All captured Sep 24, 2026
Christmas Club Share Account
0.05%APY
Save for the holiday season throughout the year with payroll deduction. Funds transferred to Share (Savings) Account the first week of November. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded quarterly, credited quarterly; Average Daily Balance computation method. Funds transferred to Share (Savings) Account the first week of November.Any balance | 0.05% | $5 | Compounded quarterly, credited quarterly; Average Daily Balance computation method. Funds transferred to Share (Savings) Account the first week of November. |
Sources (2)
All captured Sep 24, 2026
Who can join North Memorial FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Staff of Alpine Lending are eligible for membership.
- Staff of American Family Insurance - Steven G. Graham Agency, Inc. are eligible for membership.
- Staff of DJ Kranz are eligible for membership.
- Staff of Fine Line for Hair, Inc. dba Great Clips are eligible for membership.
- Staff of Financial Recovery Service, Inc are eligible for membership.
- Staff of Grove Salons Inc, dba Fantastic Sam's are eligible for membership.
16 more ways to join
Employers and groups
- Staff of medical offices that can admit to North Memorial Medical Center and Maple Grove Hospital are eligible for membership.
- Staff of Maple Grove Hospital, associates, and affiliated offices/clinics are eligible for membership.
- Staff of North Memorial Medical Center, associates, and affiliated offices/clinics are eligible for membership.
- Staff of Premier Health Chiropractic are eligible for membership.
- Staff of Saint Therese Home, Inc. are eligible for membership.
Family and household
- Family members of staff of Alpine Lending are eligible for membership.
- Family members of staff of American Family Insurance - Steven G. Graham Agency, Inc. are eligible for membership.
- Family members of staff of DJ Kranz are eligible for membership.
- Family members of staff of Fine Line for Hair, Inc. dba Great Clips are eligible for membership.
- Family members of staff of Financial Recovery Service, Inc are eligible for membership.
- Family members of staff of Grove Salons Inc, dba Fantastic Sam's are eligible for membership.
- Family members of staff of medical offices that can admit to North Memorial Medical Center and Maple Grove Hospital are eligible for membership.
- Family members of staff of Maple Grove Hospital, associates, and affiliated offices/clinics are eligible for membership.
- Family members of staff of North Memorial Medical Center, associates, and affiliated offices/clinics are eligible for membership.
- Family members of staff of Premier Health Chiropractic are eligible for membership.
- Family members of staff of Saint Therese Home, Inc. are eligible for membership.
Membership information collected October 4, 2026.