Credit union · NCUA insured
North Shore Federal Credit Union Savings Rates
North Shore Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How North Shore Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Duluth, MN-WI, where North Shore Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Shore Federal Credit Union
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
North Shore Federal Credit Union savings score
78
Savings score
Higher than 47% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.26%
- 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 Shore Federal 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.
Patronage Reward Share
10.00%APY
Created automatically when signing up for any savings, checking, or loan account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 10.00% | $1,000 |
Money Market Account
0.50%APY
Compounded/Paid Monthly
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Compounded/Paid Monthly | 0.50% | $50 | Compounded/Paid Monthly |
| $25,000 – $50,000Compounded/Paid Monthly | 0.70% | — | Compounded/Paid Monthly |
| $50,000 – $100,000Compounded/Paid Monthly | 1.26% | — | Compounded/Paid Monthly |
| $100,000 – $200,000Compounded/Paid Monthly | 1.51% | — | Compounded/Paid Monthly |
| Over $200,000Compounded/Paid Monthly | 1.76% | — | Compounded/Paid Monthly |
Sources (1)
- northshorefcu.org/rates · captured Oct 5, 2026
Secondary Share Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid monthly.Any balance | 0.10% | $10 | Dividends compounded and paid monthly. |
Sources (1)
- northshorefcu.org/rates · captured Oct 5, 2026
Share Savings
0.10%APY
$10 minimum deposit required to activate membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid monthly.Any balance | 0.10% | $10 | Dividends compounded and paid monthly. |
Special-purpose accounts
Health Savings Account
0.20%APY
Requires a qualifying health insurance plan.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends compounded and paid monthly. | 0.20% | — | Dividends compounded and paid monthly. |
| $10,000 – $25,000Dividends compounded and paid monthly. | 0.20% | $20 | Dividends compounded and paid monthly. |
| $25,000 – $50,000Dividends compounded and paid monthly. | 0.30% | — | Dividends compounded and paid monthly. |
| $50,000 – $75,000Dividends compounded and paid monthly. | 0.40% | — | Dividends compounded and paid monthly. |
| $75,000 and upDividends compounded and paid monthly. | 0.40% | — | Dividends compounded and paid monthly. |
Traditional/Roth IRA Savings
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends compounded and paid monthly. | 0.20% | — | Dividends compounded and paid monthly. |
| $10,000 – $25,000Dividends compounded and paid monthly. | 0.20% | $20 | Dividends compounded and paid monthly. |
| $25,000 – $50,000Dividends compounded and paid monthly. | 0.30% | — | Dividends compounded and paid monthly. |
| $50,000 – $75,000Dividends compounded and paid monthly. | 0.40% | — | Dividends compounded and paid monthly. |
| $75,000 and upDividends compounded and paid monthly. | 0.40% | — | Dividends compounded and paid monthly. |
Sources (1)
- northshorefcu.org/rates · captured Oct 5, 2026
Holiday Club
0.10%APY
Funds may be withdrawn at any time during the year; remainder transferred to designated account shortly after October 31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid monthly.Any balance | 0.10% | $10 | Dividends compounded and paid monthly. |
Who can join North Shore Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work, regularly conduct business in, or attend school in Minnesota's Lake, Cook, and Southern St. Louis counties are eligible for membership.
Family and household
- Immediate family members (including spouse, parent, child, in-law, and more) of an NSFCU member, living or deceased, are eligible for membership.
Cost to join
- Individuals can become a member for as little as $10.
Membership information collected October 4, 2026.