Credit union · NCUA insured
United Federal Credit Union Savings Rates
United Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Achiever Savings. Rates checked October 16, 2026.
How United Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Niles, MI, where United Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
United Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
Elevate Money Market
Top rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Horizon Bank
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
United Federal Credit Union savings score
76
Savings score
Higher than 40% 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%
- QualifiedQualified3.00%
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 United 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 Special
4.00%APY
Available only on new Money Market Special accounts opened on or after 10/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Introductory promotional rate for the first 6 months on balances up to $100,000. | 4.00% | $400 | Introductory promotional rate for the first 6 months on balances up to $100,000. |
| Over $100,000Rate for balance portion exceeding $100,000 during the first 6 months. | 0.90% | — | Rate for balance portion exceeding $100,000 during the first 6 months. |
Elevate Money Market
Up to 3.00%APY
Tiered money market program for consumer accounts only; business accounts not eligible. Subject to membership qualifications. Bonus rate of 2.50% APY applies when meeting qualifying checking, debit/credit transactions, direct deposit/ACH, and e-statement criteria.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStandard tier rate. | 0.00% | $0 | Standard tier rate. |
| $1,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. | 3.00% | $300 | Tier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. |
| $1,000 and upStandard tier rate. | 0.50% | $50 | Standard tier rate. |
| $100,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. | 3.25% | — | Tier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. |
| $100,000 and upStandard tier rate. | 0.75% | — | Standard tier rate. |
| $250,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. | 3.50% | — | Tier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. |
| $250,000 and upStandard tier rate. | 1.00% | — | Standard tier rate. |
Bonus Builder Money Market
Up to 0.40%APY
Only available as a consumer account. Bonus rate of 0.25% APY applies when the Tax Reported Owner is the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStandard tier rate. | 0.00% | $0 | Standard tier rate. |
| $1,000 and upTier rate with bonus rate. Requires Tax Reported Owner to be the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00. | 0.40% | $40 | Tier rate with bonus rate. Requires Tax Reported Owner to be the Tax Reported Owner of an Ultra Checking account or Free Checking account with an average monthly balance of at least $1.00. |
| $1,000 and upStandard tier rate. | 0.15% | $15 | Standard tier rate. |
Sources (1)
- unitedfcu.com/rates-and-fees/rates/dividend-rates · captured Oct 16, 2026
Achiever Savings
0.10%APY
Dividends calculated daily and paid monthly. No minimum account balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- unitedfcu.com/rates-and-fees/rates/dividend-rates
- unitedfcu.com/personal/bank/savings
- unitedfcu.com/personal/bank/sa…achiever-savings-account
All captured Oct 9, 2026
Membership Savings
0.05%APY
Required account for membership at United Credit Union. Monthly fee waived with another qualifying account relationship (excludes Holiday Club, IRA Money Market, or another Membership Savings).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upMinimum balance to earn APY is $300.00.$300 and up | 0.05% | $5 | Minimum balance to earn APY is $300.00. |
Special-purpose accounts
Health Savings Account (HSA)
Up to 0.75%APY
Must be covered under a qualifying High Deductible Health Plan (HDHP), not claimed as a dependent on another tax return, not enrolled in Medicare/TRICARE, and not have a general FSA/HRA. No annual or monthly maintenance fee. Dividends calculated daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
| $1,000 and up | 0.50% | $50 |
| $10,000 and up | 0.75% | $75 |
| $25,000 and up | 1.00% | — |
Sources (2)
All captured Oct 9, 2026
IRA Money Market
Up to 0.10%APY
Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
| $1,000 and up | 0.10% | $10 |
| $100,000 and up | 0.20% | — |
| $250,000 and up | 0.30% | — |
Sources (2)
- unitedfcu.com/rates-and-fees/rates/dividend-rates
- unitedfcu.com/personal/bank/sa…idual-retirement-account
All captured Oct 16, 2026
Holiday Club Savings
0.05%APY
No fees or minimum balance requirements. Funds automatically transfer to the account of choice on the first business day of November. Dividends paid annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Youth Savings
0.05%APY
Available for members under 18 with an adult as a joint account owner. No fees or minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Who can join United Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership opportunities are provided through partnership with the American Consumer Council (ACC).
Cost to join
- A Membership Savings account is required for membership at United, with a minimum opening deposit of $5.
Membership information collected October 5, 2026.