Credit union · NCUA insured
Northland Area FCU Savings Rates
Northland Area FCU’s best savings rate is 1.66% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Northland Area FCU’s savings rates compare
Compared with banks and credit unions near Traverse City, MI, where Northland Area FCU has the most branches. $10,000, best rate first.
This credit union’s best
Northland Area FCU
1.66%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $166
Money Market Account
Top rate
First National Bank of America
4.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
2nd-highest rate
Credit Union ONE
3.30%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $330
Northland Area FCU savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.66%
- $100,000 balance$100,0002.78%
- QualifiedQualified1.66%
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 Northland Area 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
1.66%APY
Earn a higher rate of return on your savings. $5,000.00 minimum required to open. $5 Share account required. Interest earned daily and compounded monthly. Up to 3 fee-free withdrawals per month. Dividends are not earned when the balance falls below the minimum. Rate may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Paid & Compounded Monthly. Dividends are not earned when the balance falls below the minimum. | 1.51% | — | Paid & Compounded Monthly. Dividends are not earned when the balance falls below the minimum. |
| $10,000 – $50,000Paid & Compounded Monthly. | 1.66% | $166 | Paid & Compounded Monthly. |
| $50,000 – $100,000Paid & Compounded Monthly. | 2.17% | — | Paid & Compounded Monthly. |
| $100,000 and upPaid & Compounded Monthly. | 2.78% | — | Paid & Compounded Monthly. |
Name it Yourself
0.10%APY
Allows creation of customized savings accounts separate from regular share account. No minimum balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid and compounded quarterly.Any balance | 0.10% | $10 | Dividends are paid and compounded quarterly. |
Share Savings
0.10%APY
Primary share account required for membership. $5 share balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends are paid and compounded quarterly.$5 and up | 0.10% | $10 | Dividends are paid and compounded quarterly. |
Special-purpose accounts
Variable IRA Shares
2.27%APY
Available as Traditional, Roth, and Coverdell Education IRA share options. Penalty may be imposed for withdrawal before maturity date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are paid and compounded quarterly. Rate applies to Traditional, Roth, and Education IRA shares.Any balance | 2.27% | $227 | Dividends are paid and compounded quarterly. Rate applies to Traditional, Roth, and Education IRA shares. |
Who can join Northland Area FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in, and businesses and other legal entities located in 27 specified Northern Michigan counties, are eligible for membership.
Employers and groups
- Employees of Northland Area Federal Credit Union are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons/employees are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Membership information collected October 5, 2026.