Lake Michigan Member Savings

$0 a year on $10,000 at today’s 0.00% APY. No monthly fee. $5 to open.

Checked Nov 8, 2026Updated Nov 8, 2026

A year on $10,000

APY on $10,000

Monthly fee

To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

Against the market

#263of 270 savings accounts, by a year’s value on $10,000

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Balance needed for the APY: $100lmcu.org, checked Nov 8, 2026
To earn the APY: $100 minimum balance required to earn interestlmcu.org, checked Nov 8, 2026

Monthly fee: Nonelmcu.org, checked Nov 8, 2026
Ways to avoid the monthly fee: Any one of these:
account has a minimum daily balance of $300
primary member is 23 years old or younger
account has direct deposit
reach VIP Status
have other LMCU accounts such as a checking account, loan, or CD under the same membership
lmcu.org, checked Nov 8, 2026
Minimum to open: $5lmcu.org, checked Nov 8, 2026

Where: Michigan, Floridalmcu.org, checked Nov 8, 2026
Membership: Open to anyone who qualifies through one of these:
People who live, work, worship or attend school anywhere in Michigan's lower peninsula or Florida
Family members of existing LMCU members are also eligible. The page lists father, mother, brother, sister, son, daughter, grandmother, grandfather, or spouse as immediate family.
Join from anywhere if you contribute $5 to the ALS (Amyotrophic Lateral Sclerosis) Foundation ($5)
lmcu.org, checked Nov 8, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

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