Credit union · NCUA insured
Northern Lights Community Federal Credit Union Savings Rates
Northern Lights Community Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Share Savings. Rates checked October 16, 2026.
How Northern Lights Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions in Michigan, where Northern Lights Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northern Lights Community Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Share Savings
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
Northern Lights Community Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- 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 Northern Lights Community 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.
Share Savings
0.10%APY
Primary account required to become a member and open other savings accounts. Membership available to individuals in Alger, Delta, and Marquette counties meeting membership requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo maintenance fees. No minimum monthly balance. Compounding quarterly (dividends compounded daily and credited quarterly).Any balance | 0.10% | $10 | No maintenance fees. No minimum monthly balance. Compounding quarterly (dividends compounded daily and credited quarterly). |
Special-purpose accounts
Individual Retirement Account
1.50%APY
Includes Traditional IRA (contributions permitted below 70 1/2 years of age with earned compensation) and Roth IRA (distributions allowed after 70 1/2 years of age without required minimum with earned compensation).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded monthly. No maintenance fees.Any balance | 1.50% | $150 | Compounded monthly. No maintenance fees. |
Christmas Club
0.10%APY
Account is frozen from withdrawals and all funds automatically roll over to the primary Share Account on October 31. Fee imposed if closed before rollover date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Maximum deposit limit is $5,000.00. Compounded quarterly.Up to $5,000 | 0.10% | — | Maximum deposit limit is $5,000.00. Compounded quarterly. |
Who can join Northern Lights Community 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, work, worship, or attend school in, and businesses and other legal entities located in Alger, Delta, or Marquette Counties are eligible for membership.
Employers and groups
- Employees of Northern Lights Community FCU are eligible for membership.
Other ways
- Organizations of persons eligible under the geographic field of membership are eligible to join.
Membership information collected October 5, 2026.