Credit union · NCUA insured
OMNI Community Credit Union Savings Rates
OMNI Community Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How OMNI Community Credit Union’s savings rates compare
Compared with banks and credit unions near Sturgis, MI, where OMNI Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OMNI Community Credit Union
0.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $25
Money Market
Top rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Horizon Bank
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
OMNI Community Credit Union savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.25%
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 OMNI Community 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
0.25%APY
Interest is compounded monthly and features tiered rates. $2,500 minimum balance to earn interest. $0 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.30% | — |
| $50,000 – $100,000 | 0.35% | — |
| $100,000 – $200,000 | 0.50% | — |
| $200,000 and up | 0.60% | — |
Sources (3)
- omnicommunitycu.org/pdf/rateSheet_7_01_2026.pdf
- omnicommunitycu.org/personalBanking.php
- omnicommunitycu.org/rates
All captured Oct 5, 2026
Smart Savings
0.10%APY
Tiered rates compounded daily and paid monthly. $0 minimum opening deposit. $1,000 minimum balance to earn interest. Unlimited withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Interest compounded daily and paid monthly. | 0.05% | — | Interest compounded daily and paid monthly. |
| $10,000 – $25,000Interest compounded daily and paid monthly. | 0.10% | $10 | Interest compounded daily and paid monthly. |
| $25,000 – $50,000Interest compounded daily and paid monthly. | 0.13% | — | Interest compounded daily and paid monthly. |
| $50,000 and upInterest compounded daily and paid monthly. | 0.15% | — | Interest compounded daily and paid monthly. |
Regular Savings
0.10%APY
Tiered rates compounded daily and paid monthly. $5 minimum opening deposit. $100 minimum balance to earn interest. Unlimited withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Interest compounded daily and paid monthly. | 0.03% | — | Interest compounded daily and paid monthly. |
| $5,000 – $10,000Interest compounded daily and paid monthly. | 0.08% | — | Interest compounded daily and paid monthly. |
| $10,000 and upInterest compounded daily and paid monthly. | 0.10% | $10 | Interest compounded daily and paid monthly. |
Special-purpose accounts
Cyber Savers
0.60%APY
For members ages 13-17. $5 minimum balance to earn interest. First 50 checks are free. Unlimited withdrawals. $500 minimum to open a CD. Tiered rates compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000For ages 13-17. Interest compounded daily and paid monthly. | 0.25% | — | For ages 13-17. Interest compounded daily and paid monthly. |
| $5,000 – $10,000For ages 13-17. Interest compounded daily and paid monthly. | 0.40% | — | For ages 13-17. Interest compounded daily and paid monthly. |
| $10,000 and upFor ages 13-17. Interest compounded daily and paid monthly. | 0.60% | $60 | For ages 13-17. Interest compounded daily and paid monthly. |
Penny Panda Savings
0.60%APY
For members ages 1-12. $5 minimum balance to earn interest. Unlimited withdrawals. $200 minimum to open a CD. Tiered rates compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000For ages 1-12. Interest compounded daily and paid monthly. | 0.25% | — | For ages 1-12. Interest compounded daily and paid monthly. |
| $5,000 – $10,000For ages 1-12. Interest compounded daily and paid monthly. | 0.40% | — | For ages 1-12. Interest compounded daily and paid monthly. |
| $10,000 and upFor ages 1-12. Interest compounded daily and paid monthly. | 0.60% | $60 | For ages 1-12. Interest compounded daily and paid monthly. |
Individual Retirement Account (IRA) Savings
0.40%APY
Offered in Traditional, Roth, Coverdell ESA, and SEP options with unique tax and retirement benefits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Regular IRA Savings.Any balance | 0.40% | $40 | Applies to Regular IRA Savings. |
Health Savings Account
0.10%APY
Must be covered under an HSA-eligible high deductible health plan (HDHP), not covered by another health plan, not enrolled in Medicare, and not claimed as a dependent. $0 minimum opening deposit. $100 minimum balance to earn interest. Unlimited withdrawals. Features a free Mastercard Debit Card. Interest compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Interest compounded daily and paid monthly. | 0.00% | — | Interest compounded daily and paid monthly. |
| $2,500 – $5,000Interest compounded daily and paid monthly. | 0.00% | — | Interest compounded daily and paid monthly. |
| $5,000 – $10,000Interest compounded daily and paid monthly. | 0.05% | — | Interest compounded daily and paid monthly. |
| $10,000 – $25,000Interest compounded daily and paid monthly. | 0.10% | $10 | Interest compounded daily and paid monthly. |
| $25,000 – $50,000Interest compounded daily and paid monthly. | 0.13% | — | Interest compounded daily and paid monthly. |
| $50,000 and upInterest compounded daily and paid monthly. | 0.15% | — | Interest compounded daily and paid monthly. |
Sources (3)
- omnicommunitycu.org/pdf/personalBanking/HSA.pdf
- omnicommunitycu.org/personalBanking.php
- omnicommunitycu.org/rates
All captured Oct 5, 2026
Christmas Club
0.10%APY
$0 minimum opening deposit. $100 minimum balance to earn interest. Funds can be withdrawn from October 1 through December 31. Interest compounded daily and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upFunds can be withdrawn from October 1 through December 31. Interest compounded daily and paid monthly.$100 and up | 0.10% | $10 | Funds can be withdrawn from October 1 through December 31. Interest compounded daily and paid monthly. |
Senior Advantage
0.10%APY
Must be 55+ years old, maintain $5,000+ in combined savings and loan balances, and have direct deposit of payroll, pension, or social security. Includes 6 free withdrawals from non-CO-OP network ATMs per month and 2 free boxes of checks per year. Tiered rates compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Interest compounded daily and paid monthly. | 0.03% | — | Interest compounded daily and paid monthly. |
| $5,000 – $10,000Interest compounded daily and paid monthly. | 0.08% | — | Interest compounded daily and paid monthly. |
| $10,000 and upInterest compounded daily and paid monthly. | 0.10% | $10 | Interest compounded daily and paid monthly. |
Who can join OMNI Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Elkhart, LaGrange, or St. Joseph counties in Indiana.
- Membership is open to individuals who live, work, worship or attend school in the state of Michigan.
Family and household
- Membership is open to relatives of an existing member.
Cost to join
- An initial deposit of $5 is required to establish membership and open an account.
Membership information collected October 5, 2026.