Credit union · NCUA insured
Team One Credit Union Savings Rates
Team One Credit Union’s best savings rate is 0.35% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Team One Credit Union’s savings rates compare
Compared with banks and credit unions near Saginaw, MI, where Team One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Team One Credit Union
0.35%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $35
Money Market Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Members First Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Team One Credit Union savings score
76
Savings score
Higher than 40% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0001.75%
- QualifiedQualified0.35%
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 Team One 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 Savings
0.35%APY
Liquid savings accounts that earn higher dividends than Regular Savings based on account balances. Includes unlimited deposits, checks available, and 6 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.15% | — |
| $2,000 – $25,000 | 0.35% | $35 |
| $25,000 – $75,000 | 0.75% | — |
| $75,000 – $200,000 | 1.75% | — |
| $200,000 – $500,000 | 2.25% | — |
| Over $500,000 | 2.50% | — |
Regular Savings Account
0.05%APY
Eligibility: Live, work, worship, or attend school in Michigan; live in Lee County or Collier County, Florida; or be related to a current member. Minimum balance of $5 to keep the account active.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,000 – $10,000 | 0.05% | $5 |
| Over $10,000 | 0.10% | — |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Christmas Club Account
0.05%APY
Funds are disbursed at the end of October.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,000 – $10,000 | 0.05% | $5 |
| Over $10,000 | 0.10% | — |
Sources (2)
All captured Sep 18, 2026
Health Savings Account
0.05%APY
Must be covered by a High-Deductible Health Insurance Policy (HDHP).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | $5 |
| $10,000 – $25,000 | 0.05% | — |
| Over $25,000 | 0.10% | — |
Sources (2)
All captured Sep 18, 2026
IRA Savings Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | $5 |
| $10,000 – $25,000 | 0.05% | — |
| Over $25,000 | 0.10% | — |
Sources (1)
- teamonecu.org/rates · captured Sep 18, 2026
Vacation Club Account
0.05%APY
Funds are disbursed beginning of May.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 0.00% | — |
| $2,000 – $10,000 | 0.05% | $5 |
| Over $10,000 | 0.10% | — |
Sources (2)
All captured Sep 18, 2026
Who can join Team One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who reside in Lee County or Collier County, Florida.
- Eligibility is open to individuals who live, work, worship, or attend school in the state of Michigan.
Family and household
- Eligibility is open to individuals with an immediate family member who has an existing Team One membership, regardless of residence.
Cost to join
- Opening a membership requires a valid ID and a $5 deposit to open a savings account with a $5 minimum balance.
Membership information collected October 5, 2026.