Credit union · NCUA insured
Settlers Federal Credit Union Savings Rates
Top CarrotSettlers Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market shares. Rates checked October 16, 2026.
How Settlers Federal Credit Union’s savings rates compare
Compared with banks and credit unions in Michigan, where Settlers Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Settlers Federal Credit Union
0.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $75
Money Market shares
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
Settlers Federal Credit Union savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
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 Settlers 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.
Money Market shares
0.75%APY
Fees could reduce the earnings on an account
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees could reduce the earnings on an accountAny balance | 0.75% | $75 | Fees could reduce the earnings on an account |
Share Accounts
0.25%APY
Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees could reduce the earnings on an account.Any balance | 0.25% | $25 | Fees could reduce the earnings on an account. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA
2.52%APY
Traditional & Roth IRA share accounts. Dividends paid quarterly. IRA accounts are insured for an additional $250,000.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRA share accounts. Fees could reduce the earnings on an account.Any balance | 2.52% | $252 | Traditional and Roth IRA share accounts. Fees could reduce the earnings on an account. |
Sources (2)
All captured Oct 5, 2026
Christmas Clubs
0.50%APY
Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees could reduce the earnings on an account.Any balance | 0.50% | $50 | Fees could reduce the earnings on an account. |
Sources (2)
All captured Oct 5, 2026
Who can join Settlers 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
- People who live, work, worship, or attend school in Ontonagon or Gogebic Counties, as well as businesses and other legal entities located there, are eligible for membership.
Membership information collected October 5, 2026.