Credit union · NCUA insured
Route 31 Savings Rates
Top CarrotRoute 31’s best savings rate is 1.80% APY on $10,000, with its Money Market Share. Rates checked October 16, 2026.
How Route 31’s savings rates compare
Compared with banks and credit unions near Muskegon, MI, where Route 31 has the most branches. $10,000, best rate first.
This credit union’s best
Route 31
3.10%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $310
Extra Mile Hi-Yield Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
Michigan First Credit Union
2.27%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $227
Route 31 savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.80%
- $100,000 balance$100,0002.20%
- QualifiedQualified3.10%
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 Route 31 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.
Extra Mile Hi-Yield Savings
3.10%APY
Must have an Extra Mile Checking account and meet requirements: Direct Deposit, E-statements, 1 Online Banking login, and 12 Route 31 debit or credit card transactions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 – $31,000Must have an Extra Mile Checking account and meet requirements: Direct Deposit, E-statements, 1 Online Banking login, and 12 Route 31 debit or credit card transactions.$300 – $31,000 | 3.10% | $310 | Must have an Extra Mile Checking account and meet requirements: Direct Deposit, E-statements, 1 Online Banking login, and 12 Route 31 debit or credit card transactions. |
Sources (1)
- route31cu.com/hi-yield-savings · captured Oct 5, 2026
Money Market Share
1.80%APY
Minimum $2,500 balance required to earn dividend.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $2,499Minimum $2,500 balance required to earn dividend. | 0.00% | — | Minimum $2,500 balance required to earn dividend. |
| $2,500 – $19,999 | 1.80% | $180 | |
| $20,000 – $49,999 | 2.00% | — | |
| $50,000 and up | 2.20% | — |
Sources (1)
- route31cu.com/savings-rates · captured Oct 5, 2026
Savings Account
0.15%APY
Requires an initial deposit of $5.00 into the regular share account and a one-time $1 fee to join.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upMinimum $300 balance to earn dividend. Initial deposit of $5.00 required to open.$300 and up | 0.15% | $15 | Minimum $300 balance to earn dividend. Initial deposit of $5.00 required to open. |
Special-purpose accounts
IRA Share Account
1.00%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upMinimum $300 balance to earn dividend.$300 and up | 1.00% | $100 | Minimum $300 balance to earn dividend. |
Youth Savings Account
0.30%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upMinimum $300 balance to earn dividend.$300 and up | 0.30% | $30 | Minimum $300 balance to earn dividend. |
Sources (1)
- route31cu.com/savings-rates · captured Oct 5, 2026
Christmas Club
0.15%APY
Funds are transferred to share account on November 1st of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upUnder Savings & Club Accounts schedule. Minimum $300 balance to earn dividend.$300 and up | 0.15% | $15 | Under Savings & Club Accounts schedule. Minimum $300 balance to earn dividend. |
Tax Club
0.15%APY
Earns the same dividend rate as a regular savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upRequires a minimum $300 balance to earn a dividend.$300 and up | 0.15% | $15 | Requires a minimum $300 balance to earn a dividend. |
Vacation Club
0.15%APY
Minimum amount of $5.00 to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upUnder Savings & Club Accounts schedule. Minimum $300 balance to earn dividend.$300 and up | 0.15% | $15 | Under Savings & Club Accounts schedule. Minimum $300 balance to earn dividend. |
Who can join Route 31
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, worship, work in, or attend school in any of 17 Michigan counties: Muskegon, Ottawa, Oceana, Newaygo, Antrim, Benzie, Gratiot, Kalkaska, Lake, Leelanau, Manistee, Mason, Mecosta, Missaukee, Montcalm, Osceola, or Wexford.
Employers and groups
- Membership is open to employees of Route 31 Credit Union.
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, grandchild, great grandparent, aunt, uncle, niece, nephew, including step and adoptive relationships) or household members of a current member.
- Membership is open to surviving spouses of persons who died within the field of membership of the credit union.
Other ways
- Membership is open to businesses or legal entities located in the rural district of any of the 17 specified Michigan counties.
- Membership is open to individuals who volunteer in any of the 17 specified Michigan counties.
Cost to join
- A $5 deposit is required to activate the account when opening a new membership.
- A one-time $1 membership fee is required when opening a new membership.
Membership information collected October 5, 2026.