Credit union · NCUA insured
PFCU Savings Rates
PFCU’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How PFCU’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where PFCU has the most branches. $10,000, best rate first.
This credit union’s best
PFCU
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market
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
PFCU savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.20%
- 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 PFCU 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
Membership eligibility and a minimum $5 membership share deposit are required for credit union membership. Funds earn dividends from the first business day of deposit and are calculated daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $2,000 | 0.00% | — |
| $2,000 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.65% | — |
| $50,000 – $100,000 | 0.70% | — |
| $100,000 and up | 1.20% | — |
Sources (1)
- pfcu4me.com/Rates/Savings-Rates · captured Oct 5, 2026
Other Savings & Escrow
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalances over $99.99$100 and up | 0.05% | $5 | Balances over $99.99 |
Sources (1)
- pfcu4me.com/Rates/Savings-Rates · captured Oct 5, 2026
Regular Savings
0.05%APY
Opens the door to membership. Membership eligibility and a minimum $5 membership share deposit required. Dividends paid daily and compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalances over $99.99 earn stated rate. Just deposit $5.$100 and up | 0.05% | $5 | Balances over $99.99 earn stated rate. Just deposit $5. |
Special-purpose accounts
Individual Retirement Accounts
0.25%APY
Offers Individual Retirement Accounts to Michigan members. Insured through NCUA. Traditional IRA and Roth IRA options available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upBalances over $99.99$100 and up | 0.25% | $25 | Balances over $99.99 |
Who can join PFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.