Credit union · NCUA insured
West Michigan Credit Union Savings Rates
West Michigan Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How West Michigan Credit Union’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where West Michigan Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
West Michigan Credit Union
0.30%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $30
Money Market Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
West Michigan Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.30%
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 West 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.
Success Money Market Account
0.10%APY
Tiered rate account. Once a tier is met, the Interest Rate and APY for that tier apply to the full balance on your account. Dividends compounded and credited monthly. Minimum balance required to open is $50,000. Dividends calculated by average daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Once tier is met, rate applies to the full balance. | 0.10% | $10 | Once tier is met, rate applies to the full balance. |
| $50,000 – $149,999Once tier is met, rate applies to the full balance. | 0.50% | — | Once tier is met, rate applies to the full balance. |
| $150,000 – $299,999Once tier is met, rate applies to the full balance. | 1.00% | — | Once tier is met, rate applies to the full balance. |
| $300,000 – $499,999Once tier is met, rate applies to the full balance. | 1.76% | — | Once tier is met, rate applies to the full balance. |
| $500,000 and upOnce tier is met, rate applies to the full balance. | 2.02% | — | Once tier is met, rate applies to the full balance. |
Money Market Account
0.30%APY
Tiered rate account. Once a tier is met, the Interest Rate and APY for that tier apply to the full balance on your account. Dividends compounded and credited monthly. Minimum balance required to open is $2,500. Dividends calculated by average daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Once tier is met, rate applies to the full balance. | 0.10% | — | Once tier is met, rate applies to the full balance. |
| $2,500 – $9,999Once tier is met, rate applies to the full balance. | 0.20% | — | Once tier is met, rate applies to the full balance. |
| $10,000 – $24,999Once tier is met, rate applies to the full balance. | 0.30% | $30 | Once tier is met, rate applies to the full balance. |
| $25,000 – $49,999Once tier is met, rate applies to the full balance. | 0.40% | — | Once tier is met, rate applies to the full balance. |
| $50,000 – $149,999Once tier is met, rate applies to the full balance. | 0.50% | — | Once tier is met, rate applies to the full balance. |
| $150,000 – $299,999Once tier is met, rate applies to the full balance. | 0.75% | — | Once tier is met, rate applies to the full balance. |
| $300,000 and upOnce tier is met, rate applies to the full balance. | 1.00% | — | Once tier is met, rate applies to the full balance. |
Nest Egg Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum opening deposit of $1.00; minimum balance to earn dividends is $1.00.$1 and up | 0.10% | $10 | Minimum opening deposit of $1.00; minimum balance to earn dividends is $1.00. |
Sources (3)
All captured Oct 5, 2026
Share Savings
0.10%APY
Dividends computed on the average daily balance, compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum opening deposit of $10.00; minimum balance to earn dividends is $5.00.$5 and up | 0.10% | $10 | Minimum opening deposit of $10.00; minimum balance to earn dividends is $5.00. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Balance is transferred to Share Savings Account annually on November 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum opening deposit of $1.00; minimum balance to earn dividends is $1.00.$1 and up | 0.10% | $10 | Minimum opening deposit of $1.00; minimum balance to earn dividends is $1.00. |
Sources (3)
All captured Oct 5, 2026
Who can join West Michigan Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or have their place of religious worship in specified Michigan counties are eligible for membership.
Employers and groups
- Employees and pensioners of Miller Industries, Inc., Reed City, Michigan are eligible for membership.
- Team Members of West Michigan Credit Union, A Division of WMCU are eligible for membership.
Military, government and schools
- Employees or pensioners of the State of Michigan who work or live in Leelanau County, Michigan are eligible for membership.
Family and household
- Members and immediate families of the foregoing eligible persons are eligible for membership.
- A spouse of a deceased member is eligible for membership if elected to membership prior to remarriage.
Membership information collected October 5, 2026.