Credit union · NCUA insured
OUR Credit Union Savings Rates
OUR Credit Union’s best savings rate is 0.05% APY on $10,000, with its Primary Savings. Rates checked October 17, 2026.
How OUR Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where OUR Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OUR Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Primary 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
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
OUR Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 OUR 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.
Primary Savings
0.05%APY
Minimum balance of $5 required to maintain membership/ownership. Dividends paid monthly to accounts with a minimum daily balance of $100. Required for all member-owners.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum deposit/balance for dividends. Paid monthly.$100 and up | 0.05% | $5 | $100 minimum deposit/balance for dividends. Paid monthly. |
Side Savings
0.05%APY
Extra savings account attached to primary number. Requires $1 to open; earns dividends starting at $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum deposit for dividends.$100 and up | 0.05% | $5 | $100 minimum deposit for dividends. |
Special-purpose accounts
Coverdell Education Savings Account
0.10%APY
Variable rate Coverdell Education Savings Account. $100 minimum deposit to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- ourcuonline.org/savings-rates · captured Oct 16, 2026
Health Savings Account
0.10%APY
Health Savings Account (HSA) paired with high deductible health insurance plan. Variable rate. $100 minimum deposit to earn dividends. Tax-free and penalty-free medical withdrawals with rollover year to year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 16, 2026
Variable Rate IRA
0.10%APY
Variable rate IRA savings account (Traditional and Roth wrappers). $100 minimum deposit to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional IRA.Any balance | 0.10% | $10 | Traditional IRA. |
Sources (1)
- ourcuonline.org/savings-rates · captured Oct 16, 2026
Holiday Spending Account
0.05%APY
Balance transferred to Savings Account on November 1st each year. Terms are the same as basic Savings Account. Dividends earned starting at $100 deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum deposit for dividends. Balance transfers to Savings Account on November 1st.$100 and up | 0.05% | $5 | $100 minimum deposit for dividends. Balance transfers to Savings Account on November 1st. |
Oakey Dokey Kids Club
0.05%APY
Kids savings account. Earns dividends on balances over $10 ($10 minimum deposit for dividends). Includes stamp card rewards and birthday celebration.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10 minimum deposit to earn dividends. Earns dividends on balances over $10.$10 and up | 0.05% | $5 | $10 minimum deposit to earn dividends. Earns dividends on balances over $10. |
Sources (2)
All captured Oct 16, 2026
Who can join OUR Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Michigan is eligible to join.
Employers and groups
- Legal entities comprised mostly of the membership group are eligible.
Family and household
- Immediate family members of eligible individuals are eligible to join.
- Spouses of deceased members are eligible if accepted into membership prior to remarriage.
Other ways
- Persons receiving retirement payments who live in or belong to a retirement organization in the principal place of business county or contiguous county are eligible.
Cost to join
- Members are required to maintain a $5 share deposit in a Savings Account.
Membership information collected October 5, 2026.