Credit union · NCUA insured
University of Michigan Credit Union Savings Rates
University of Michigan Credit Union’s best savings rate is 1.06% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How University of Michigan Credit Union’s savings rates compare
Compared with banks and credit unions near Ann Arbor, MI, where University of Michigan Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
University of Michigan Credit Union
1.06%APY
- Minimum
- $500
- Earns on $10,000 a year
- $106
Money Market Savings Account
Top rate
University Bank
4.08%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $408
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
University of Michigan Credit Union savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.06%
- $100,000 balance$100,0001.16%
- QualifiedQualified1.06%
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 University of Michigan 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 Account
1.06%APY
Variable rate account. Rate may change after account is opened. Minimum balance of $500.00 required to avoid a $5.00 monthly maintenance fee. Third-party transfers limited to six per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $5,000Monthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more. | 0.55% | — | Monthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more. |
| $5,000 – $10,000Monthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more. | 0.75% | — | Monthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more. |
| $10,000 – $25,000Monthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more. | 1.06% | $106 | Monthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more. |
| $25,000 and upMonthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more. | 1.16% | — | Monthly maintenance fee of $5.00 waived if minimum daily balance of $500 is maintained. Earns monthly interest on balances of $2,000 or more. |
Sources (2)
All captured Oct 5, 2026
Savings Account
0.05%APY
Requires $5.00 minimum balance to maintain membership/remain open. No monthly fee. Sub-accounts available with no minimum balance. Up to 6 withdrawals/transfers per calendar month under Reg D.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest credited monthly. Requires $5.00 minimum balance to open/maintain account.Any balance | 0.05% | $5 | Interest credited monthly. Requires $5.00 minimum balance to open/maintain account. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Youth Savings Account
0.05%APY
Requires $5.00 minimum balance to remain open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate; requires $5.00 minimum balance.Any balance | 0.05% | $5 | Variable rate; requires $5.00 minimum balance. |
Sources (1)
- umcu.org/learn/resources/rates-fees · captured Oct 5, 2026
Who can join University of Michigan Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.