United Financial Credit Union Savings & Money Market Rates

How United Financial Credit Union’s savings rates compare

Compared with banks and credit unions near Saginaw, MI, where United Financial Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
United Financial Credit Union
3.00%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$300
MMA for Guided Investments
Top rate
Huntington Bank
3.25%APY
Requires
Another account
Minimum
$100
Earns on $10,000 a year
$325
Huntington Bank rates
2nd-highest rate
Members First Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
Members First Credit Union rates

Compare savings rates near you →

Savings score

Higher than 90% of U.S. banks and credit unions

By balance

$1,000 balance$1,0003.00%
$10,000 balance$10,0003.00%
$100,000 balance$100,0003.00%
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.

How the score works →

Where United Financial 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.

MMA for Guided Investments

3.00%APYMoney market

Available via the personal Investment Portal located within Digital Banking. Dividends compounded daily and credited monthly. Average daily balance method. Dividend rate and APY may change at any time as determined by the Board of Directors. Minimum balance to earn APY listed as N/A.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividend rate 2.96% and APY 3.00%. Opening minimum $0. Dividends compounded daily and credited monthly.Any balance	3.00%	$300	Dividend rate 2.96% and APY 3.00%. Opening minimum $0. Dividends compounded daily and credited monthly.

Sources (1)

unitedfinancialcu.org/wp-conte…vice-Charges-8.19.26.pdf · captured Sep 18, 2026

Money Maker PLUS Savings Account

0.90%APYMoney market

Opt for digital E-statements and a debit card over paper checks to unlock better rates.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $50,000Minimum balance to earn APY: $1,000.	0.90%	$90	Minimum balance to earn APY: $1,000.
$50,000 – $100,000Minimum balance to earn APY: $1,000.	1.70%	—	Minimum balance to earn APY: $1,000.
$100,000 – $500,000Minimum balance to earn APY: $1,000.	1.90%	—	Minimum balance to earn APY: $1,000.
$500,000 and upMinimum balance to earn APY: $1,000.	2.20%	—	Minimum balance to earn APY: $1,000.

Sources (2)

All captured Sep 18, 2026

Money Maker PLUS Savings Account

0.90%APYRequirements apply

Requires e-Statements and an active debit card to earn special rates. Minimum balance of $1,000 required to earn stated APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $50,000Requires e-Statements and active debit card. Applies to average daily balance tier of $1,000 to $49,999.99.	0.90%	$90	Requires e-Statements and active debit card. Applies to average daily balance tier of $1,000 to $49,999.99.
$50,000 – $100,000Requires e-Statements and active debit card. Applies to average daily balance tier of $50,000.00 to $99,999.99.	1.70%	—	Requires e-Statements and active debit card. Applies to average daily balance tier of $50,000.00 to $99,999.99.
$100,000 – $500,000Requires e-Statements and active debit card. Applies to average daily balance tier of $100,000.00 to $499,999.99.	1.90%	—	Requires e-Statements and active debit card. Applies to average daily balance tier of $100,000.00 to $499,999.99.
$500,000 and upRequires e-Statements and active debit card. Applies to average daily balance tier of $500,000.00 and up.	2.20%	—	Requires e-Statements and active debit card. Applies to average daily balance tier of $500,000.00 and up.

Sources (2)

All captured Sep 18, 2026

Money Maker Savings Account

0.75%APYMoney market

Tiered rate account. Dividend rate varies by balance.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,500Minimum balance to earn APY: $100.	0.55%	—	Minimum balance to earn APY: $100.
$2,500 – $25,000Minimum balance to earn APY: $100.	0.75%	$75	Minimum balance to earn APY: $100.
$25,000 – $50,000Minimum balance to earn APY: $100.	0.85%	—	Minimum balance to earn APY: $100.
$50,000 – $100,000Minimum balance to earn APY: $100.	0.95%	—	Minimum balance to earn APY: $100.
$100,000 and upMinimum balance to earn APY: $100.	1.05%	—	Minimum balance to earn APY: $100.

Sources (1)

unitedfinancialcu.org/wp-conte…vice-Charges-8.19.26.pdf · captured Sep 18, 2026

Money Maker Savings Account

0.75%APY

Tiered rate savings account where the rate for a tier applies to the entire balance. Minimum balance of $100 required to earn stated APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,500Rate applies to average daily balance tier of $100.00 to $2,499.99.	0.65%	—	Rate applies to average daily balance tier of $100.00 to $2,499.99.
$2,500 – $25,000Rate applies to average daily balance tier of $2,500.00 to $24,999.99.	0.75%	$75	Rate applies to average daily balance tier of $2,500.00 to $24,999.99.
$25,000 – $50,000Rate applies to average daily balance tier of $25,000.00 to $49,999.99.	0.85%	—	Rate applies to average daily balance tier of $25,000.00 to $49,999.99.
$50,000 – $100,000Rate applies to average daily balance tier of $50,000.00 to $99,999.99.	0.95%	—	Rate applies to average daily balance tier of $50,000.00 to $99,999.99.
$100,000 and upRate applies to average daily balance tier of $100,000.00 and up.	1.05%	—	Rate applies to average daily balance tier of $100,000.00 and up.

Sources (2)

All captured Sep 18, 2026

Savings Plus Account

0.05%APY$5 to open

Basic savings account that establishes United Financial Credit Union membership. Minimum balance of $100 required to earn stated APY.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upDividends compounded and credited monthly based on average daily balance.$100 and up	0.05%	$5	Dividends compounded and credited monthly based on average daily balance.

Sources (2)

All captured Sep 18, 2026

Special Savings Account

0.05%APY

Designed to set aside money for a special occasion.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends compounded and credited monthly based on average daily balance.Any balance	0.05%	$5	Dividends compounded and credited monthly based on average daily balance.

Sources (2)

All captured Sep 18, 2026

Special-purpose accounts

Health Savings Account

0.50%APYHSA

Tax-advantaged medical savings account for taxpayers enrolled in a high-deductible health plan (HDHP). Account service fee is $1.00 per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,000Average daily balance tier of $100.00 to $1,999.99.	0.10%	—	Average daily balance tier of $100.00 to $1,999.99.
$2,000 – $10,000Average daily balance tier of $2,000.00 to $9,999.99.	0.25%	—	Average daily balance tier of $2,000.00 to $9,999.99.
$10,000 – $50,000Average daily balance tier of $10,000.00 to $49,999.99.	0.50%	$50	Average daily balance tier of $10,000.00 to $49,999.99.
$50,000 – $100,000Average daily balance tier of $50,000.00 to $99,999.99.	0.75%	—	Average daily balance tier of $50,000.00 to $99,999.99.
$100,000 and upAverage daily balance tier of $100,000.00 and up.	1.00%	—	Average daily balance tier of $100,000.00 and up.

Sources (2)

All captured Sep 18, 2026

Individual Retirement Accounts

0.15%APYIRA

Tiered rate retirement savings accounts (Traditional IRA and Roth IRA). Rate applies to the entire account balance if within the tier. Minimum balance of $100 required to earn stated APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $2,000Average daily balance tier of $100.00 to $1,999.99.	0.05%	—	Average daily balance tier of $100.00 to $1,999.99.
$2,000 – $10,000Average daily balance tier of $2,000.00 to $9,999.99.	0.10%	—	Average daily balance tier of $2,000.00 to $9,999.99.
$10,000 – $50,000Average daily balance tier of $10,000.00 to $49,999.99.	0.15%	$15	Average daily balance tier of $10,000.00 to $49,999.99.
$50,000 – $100,000Average daily balance tier of $50,000.00 to $99,999.99.	0.20%	—	Average daily balance tier of $50,000.00 to $99,999.99.
$100,000 and upAverage daily balance tier of $100,000.00 and up.	0.25%	—	Average daily balance tier of $100,000.00 and up.

Sources (2)

All captured Sep 18, 2026

Christmas and Vacation Club Accounts

0.05%APYClub

Account to set aside funds for holidays or vacations. For Christmas Club, funds stay in account, are paid by check, or transferred on or after October 15; $5 fee per withdrawal made outside club spending term (10/15-12/31).

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends compounded and credited monthly based on average daily balance.Any balance	0.05%	$5	Dividends compounded and credited monthly based on average daily balance.

Sources (2)

All captured Sep 18, 2026

Who can join United Financial Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals who live, work, worship, or attend school in the lower peninsula of Michigan are eligible to join.

Family and household

Immediate family members or household members of current United Financial members (including qualifying out-of-state relatives) are eligible to join.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← United Financial Credit Union overview

How United Financial Credit Union’s savings rates compare

United Financial Credit Union savings score

Current savings rates

MMA for Guided Investments

Money Maker PLUS Savings Account

Money Maker PLUS Savings Account

Money Maker Savings Account

Money Maker Savings Account

Savings Plus Account

Special Savings Account

Special-purpose accounts

Health Savings Account

Individual Retirement Accounts

Christmas and Vacation Club Accounts

Who can join United Financial Credit Union

Where you live or work

Family and household