Credit union · NCUA insured
ProMedica Federal Credit Union Savings Rates
ProMedica Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Auxiliary Savings. Rates checked October 16, 2026.
How ProMedica Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Toledo, OH, where ProMedica Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ProMedica Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $10
Auxiliary Savings
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
ProMedica Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 ProMedica 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.
Save the Change
0.05%APY
Debit card purchases round up to the next dollar with the difference automatically deposited from checking into Save the Change. Tiered split-rate structure where each rate applies only to the balance portion within the tier. Cannot manually transfer funds or deposit money directly into the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Rate applies to the portion of average daily balance from $0.01 to $500.00. Dividends compounded and credited monthly. | 10.00% | — | Rate applies to the portion of average daily balance from $0.01 to $500.00. Dividends compounded and credited monthly. |
| Over $500Rate applies to the portion of average daily balance of $500.01 or greater. Dividends compounded and credited monthly. | 0.05% | $5 | Rate applies to the portion of average daily balance of $500.01 or greater. Dividends compounded and credited monthly. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
Auxiliary Savings
0.10%APY
No minimum opening deposit and no monthly fees. Transfers and withdrawals limited to 6 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance.Any balance | 0.10% | $10 | Dividends compounded and credited quarterly based on average daily balance. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
Regular Savings
0.10%APY
Requires purchasing and maintaining 1 share ($25.00 par value) for membership. A $5.00 monthly service fee applies if balance is under $100.00 at month end (fee waived with multiple account relationship). Transfers and withdrawals limited to 6 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance.Any balance | 0.10% | $10 | Dividends compounded and credited quarterly based on average daily balance. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
Special-purpose accounts
Education IRA Savings
0.40%APY
Coverdell ESA for beneficiary under age 18 or special needs. Maximum contributions up to $2,000 per year per beneficiary. Transfers and withdrawals limited to 6 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance.Any balance | 0.40% | $40 | Dividends compounded and credited quarterly based on average daily balance. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
IRA Savings
0.40%APY
No fee for IRA accounts at ProMedica FCU. Pretax contributions subject to annual IRS limits. Transfers and withdrawals limited to 6 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance.Any balance | 0.40% | $40 | Dividends compounded and credited quarterly based on average daily balance. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
Roth IRA Savings
0.40%APY
No fee for Roth IRA accounts at ProMedica FCU. Funded with after-tax dollars subject to annual contribution limits. Transfers and withdrawals limited to 6 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance.Any balance | 0.40% | $40 | Dividends compounded and credited quarterly based on average daily balance. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
Christmas Club
0.10%APY
Entire balance transfers to regular savings on or after October 1 / September 30, and the account automatically renews. There are no fees. Accrued dividends paid if closed within 7 days of opening; otherwise forfeited if closed before crediting.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited annually (non-calendar period October 1 through September 30) based on average daily balance.Any balance | 0.10% | $10 | Dividends compounded and credited annually (non-calendar period October 1 through September 30) based on average daily balance. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
Vacation Club
0.10%APY
No minimum balance and no fees. Transfers and withdrawals limited to 6 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance.Any balance | 0.10% | $10 | Dividends compounded and credited quarterly based on average daily balance. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
Youth Savings
0.10%APY
Available for minors under age 18. Converts to Regular Savings on the last business day of the month turning 18 (or the following month if birthday is after the last business day). Transfers and withdrawals limited to 6 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance.Any balance | 0.10% | $10 | Dividends compounded and credited quarterly based on average daily balance. |
Sources (2)
- promedicafcu.com/financial-ser…king-and-savings/savings
- promedicafcu.com/wp-content/up…ccount-Rate-Schedule.pdf
All captured Sep 18, 2026
Who can join ProMedica Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of ProMedica are eligible for membership.
Family and household
- Family members of ProMedica employees are eligible for membership.
Cost to join
- Members purchase one share in the financial cooperative upon an initial deposit of $25.
Membership information collected October 5, 2026.