Credit union · NCUA insured
Safe Harbor Credit Union Savings Rates
Safe Harbor Credit Union’s best savings rate is 0.75% APY on $10,000, with its Tiered Money Market Accounts. Rates checked October 16, 2026.
How Safe Harbor Credit Union’s savings rates compare
Compared with banks and credit unions near Ludington, MI, where Safe Harbor Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Safe Harbor Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Free Saver Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Filer Credit Union
3.04%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $304
Safe Harbor Credit Union savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.25%
- QualifiedQualified2.00%
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 Safe Harbor 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.
Free Saver Account
Up to 2.00%APY
Links to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes checking account. Qualifications during Monthly Qualification Cycle: at least 12 debit card purchases, enrolled in and agree to receive e-Statements, and enrolled in and log into online banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000When qualifications in linked checking account are met during Monthly Qualification Cycle. | 2.00% | $200 | When qualifications in linked checking account are met during Monthly Qualification Cycle. |
| Any balanceWhen qualifications in linked checking account are not met during Monthly Qualification Cycle. | 0.05% | $5 | When qualifications in linked checking account are not met during Monthly Qualification Cycle. |
Tiered Money Market Accounts
0.75%APY
Maintain a $2,000 minimum daily balance to obtain the disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $19,999Rate and APY accurate as of September 8, 2026. | 0.75% | $75 | Rate and APY accurate as of September 8, 2026. |
| $20,000 – $99,999Rate and APY accurate as of September 8, 2026. | 1.01% | — | Rate and APY accurate as of September 8, 2026. |
| $100,000 and upRate and APY accurate as of September 8, 2026. | 1.25% | — | Rate and APY accurate as of September 8, 2026. |
Sources (2)
All captured Sep 18, 2026
Regular Share Accounts
0.05%APY
Establishes membership with credit union. Initial balance of $5 must be maintained.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (3)
- safeharborcu.org/accounts/personal-savings-accounts
- safeharborcu.org/accounts/pers…ular-share-accounts.html
- safeharborcu.org/rates/rates.html
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.30%APY
Includes Traditional IRA, Roth IRA, and Coverdell ESA savings options. Annual contribution limits apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (3)
- safeharborcu.org/accounts/personal-savings-accounts
- safeharborcu.org/accounts/pers…ement-accounts-iras.html
- safeharborcu.org/rates/rates.html
All captured Oct 5, 2026
Christmas Club Accounts
0.10%APY
Funds available via electronic funds transfer to a Safe Harbor Credit Union account on October 1st of each calendar year. Early withdrawal results in forfeiting dividends and closing the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- safeharborcu.org/accounts/personal-savings-accounts
- safeharborcu.org/accounts/pers…stmas-club-accounts.html
- safeharborcu.org/rates/rates.html
All captured Oct 5, 2026
Health Savings Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Who can join Safe Harbor Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Current residents of the State of Michigan are eligible for membership.
Employers and groups
- Employees of Safe Harbor Credit Union are eligible for membership.
- Individuals belonging to an organization whose membership is made up of individuals eligible for membership are eligible to join.
Family and household
- Immediate family members of individuals eligible for membership are eligible to join.
Cost to join
- An initial $5 deposit into a Regular Share Account is required for full member/owner status.
Membership information collected October 5, 2026.