Credit union · NCUA insured
Wolverine State Credit Union Savings Rates
Top CarrotWolverine State Credit Union’s best savings rate is 1.51% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Wolverine State Credit Union’s savings rates compare
Compared with banks and credit unions near Alpena, MI, where Wolverine State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wolverine State Credit Union
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Money Market
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Northland Area FCU
1.66%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $166
Wolverine State Credit Union savings score
88
Savings score
Higher than 85% of U.S. banks and credit unions
- $1,000 balance$1,0001.51%
- $10,000 balance$10,0001.51%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.51%
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 Wolverine 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
1.51%APY
Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. | 1.51% | $151 | Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. |
| $15,000 and upFees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. | 1.76% | — | Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. |
| $100,000 and upFees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. | 2.02% | — | Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. |
| $250,000 and upFees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. | 2.52% | — | Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. |
| $500,000 and upFees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. | 3.03% | — | Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. |
| $1,000,000 and upFees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. | 3.55% | — | Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal. |
Regular Share
0.15%APY
Standard savings account. Requires eligibility for membership. Minimum deposit to open savings account is $5.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.15% | $15 |
Special Share
0.15%APY
Special share account to help save for specific goals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Special-purpose accounts
Health Savings Account (HSA)
5.13%APY
Must be enrolled in a qualified High-Deductible Health Plan (HDHP), under 65 years old, not enrolled in Medicare, and not claimed as a dependent on someone else's tax return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo service fee. 5% Interest Rate.Any balance | 5.13% | $513 | No service fee. 5% Interest Rate. |
Sources (1)
- wolverinescu.com/health-savings-account · captured Oct 5, 2026
IRA Share Account
2.17%APY
Includes Traditional, Roth, Roth Convertible, and Coverdell IRA Share variants; standard tax-advantaged IRA requirements apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll listed IRA Share subtypes earn the same rate; IRA tax treatment rules apply.Any balance | 2.17% | $217 | All listed IRA Share subtypes earn the same rate; IRA tax treatment rules apply. |
Christmas Club
0.15%APY
Special share account for Christmas savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Vacation Club
0.15%APY
Special share account for Vacation savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Who can join Wolverine 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
- Persons who reside, work, worship or attend school in any county in the State of Michigan are eligible for membership.
Employers and groups
- Employees of Wolverine State Credit Union are eligible for membership.
Family and household
- Members of the immediate families of eligible persons are eligible for membership.
- A spouse of a deceased member is eligible for membership if accepted prior to remarriage.
Other ways
- Any legal entity that is comprised for the most part of the same general group as the membership of the credit union is eligible for membership.
Membership information collected October 5, 2026.