Credit union · NCUA insured
Peninsula Federal Credit Union Savings Rates
Top CarrotPeninsula Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Shares (Prime Shares Account). Rates checked October 16, 2026.
How Peninsula Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Escanaba, MI, where Peninsula Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Peninsula Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $25
Shares (Prime Shares Account)
Top rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Nicolet National Bank
1.30%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $130
Peninsula Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- 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 Peninsula 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.
Shares (Prime Shares Account)
0.25%APY
Officially establishes membership at the Credit Union. Minimum $5 balance to open and earn APY. Dividend rate may change after the account is opened; fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum $5 balance to open and earn APY.$5 and up | 0.25% | $25 | Minimum $5 balance to open and earn APY. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Coverdell IRA (Education IRA)
1.50%APY
Individual accounts only. Interest rates are subject to change. Early withdrawal penalties apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Sources (2)
All captured Sep 18, 2026
Roth Conversion IRA
1.50%APY
Individual accounts only. Interest rates are subject to change. Early withdrawal penalties apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Sources (1)
- peninsulafcu.com/savings-check…vings-and-checking-rates · captured Sep 18, 2026
Roth IRA
1.50%APY
Individual accounts only. Interest rates are subject to change. Early withdrawal penalties apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Sources (2)
All captured Sep 18, 2026
Traditional IRA
1.50%APY
Individual accounts only. Interest rates are subject to change. Early withdrawal penalties apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Sources (2)
All captured Sep 18, 2026
HSA (Health Savings Account)
0.15%APY
Individual accounts only. Dividend rate may change after account is opened; fees may reduce earnings. Early withdrawal penalties apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIndividual accounts only.Any balance | 0.15% | $15 | Individual accounts only. |
Sources (2)
All captured Sep 18, 2026
Who can join Peninsula 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, or businesses and other legal entities located in Alger, Baraga, Chippewa, Delta, Dickinson, Gogebic, Houghton, Iron, Keweenaw, Luce, Mackinac, Marquette, Menominee, Ontonagon, or Schoolcraft Counties, Michigan; Ashland, Florence, Forest, Iron, Marinette, Oconto, or Vilas Counties, Wisconsin are eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
Family and household
- Members of the immediate family or household are eligible for membership.
Other ways
- Members of record of this credit union as of July 5, 2000, date of conversion to a community field of membership, are eligible.
- Organizations of such eligible persons are eligible for membership.
- Members of record of the River Bay Credit Union as of the effective date of merger are eligible.
3 more ways to join
Other ways
- Spouses of persons who died while within the field of membership of this credit union are eligible.
- Members of record of the Torch Lake Federal Credit Union as of the effective date of merger are eligible.
- Volunteers in the community are eligible for membership.
Cost to join
- Basic membership requirement is to start an account with $5.00, which must remain in the account for as long as you are a member.
Membership information collected October 5, 2026.