U.P. State Credit Union Savings & Money Market Rates

How U.P. State Credit Union’s savings rates compare

Compared with banks and credit unions near Sault Ste. Marie, MI, where U.P. State Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
U.P. State Credit Union
0.60%APY
Requires
Another account
Minimum
—
Earns on $10,000 a year
$60
Rewards Savings
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
Limestone FCU
1.30%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$130
Limestone FCU rates

Compare savings rates near you →

Savings score

Higher than 52% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0000.50%
$100,000 balance$100,0001.01%
QualifiedQualified0.60%

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 U.P. State 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

0.50%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $10,000	0.25%	—
$10,000 – $25,000	0.50%	$50
$25,000 – $50,000	0.75%	—
$50,000 and up	1.01%	—

Sources (1)

upscu.com/accounts · captured Oct 5, 2026

Rewards Savings

0.60%APYRequirements apply

For members looking to earn a higher yield on their savings account while also utilizing checking account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Must also utilize checking account.	0.25%	—	Must also utilize checking account.
$2,500 – $10,000Must also utilize checking account.	0.40%	—	Must also utilize checking account.
$10,000 and upMust also utilize checking account.	0.60%	$60	Must also utilize checking account.

Sources (2)

All captured Oct 5, 2026

Special-purpose accounts

IRA

0.70%APYIRA

Offers Traditional IRAs (tax-deferred earnings), Roth IRAs (tax-free income if held at least 5 years and distributions after age 59½), and Coverdale Education IRAs (up to $2,000/year contribution).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.70%	$70

Sources (1)

upscu.com/accounts · captured Oct 5, 2026

Who can join U.P. State Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Anyone who lives, works, worships, or attends school in the Upper Peninsula is eligible to join.

Family and household

Any immediate family members of current UPSCU members are eligible to join.

Cost to join

A $5 deposit into a share (savings) account is required to establish membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

← U.P. State Credit Union overview