The savings account that rewards bigger balances.
Tiered interest. No minimum deposit. No monthly fees.1 No withdrawal penalty. Max Savings just makes sense.
See how Max Savings measures up.
If you're looking for a high-yield savings account, you've found it. Max Savings earns tiered interest that grows with your balance. The more you save, the more you earn. Nice find.
Tiered interest
Earn up to 3.90% APY.2 The higher your balance, the higher your rate.
Easy access
Manage your savings online, in the app,3 or at any LMCU branch. Your money stays within reach.
No minimum deposit
Start with whatever you have. There’s no minimum deposit required to open Max Savings.
See how Max Savings compares
Saving more to earn more is just smart banking. Here's a look at the current Max Savings rate tiers.
| Account | Dividend Rate (Interest) | APY |
|---|---|---|
| Max Savings — $0 - $99.99 | 0.00% | 0.00% |
| Max Savings — $100 - $99,999.99 | 1.74% | 1.75% |
| Max Savings — $100,000 - $249,999.99 | 2.87% | 2.90% |
| Max Savings — $250,000 - $499,999.99 | 3.11% | 3.15% |
| Max Savings — $500,000 - $999,999.99 | 3.11% | 3.15% |
| Max Savings — $1,000,000 + | 3.84% | 3.90% |
Max Savings at-a-glance.
Max Savings is built for members who want their money earning more while staying accessible. No minimum deposit. No monthly fees. No penalty for withdrawals. Direct deposit compatible. Federally insured by the NCUA. Interest computed daily, paid quarterly on balances of $100 or more.
FAQs
Max Savings earns tiered interest on balances of $100 or more, with higher balances earning higher rates. There are no monthly maintenance fees, no service charges, and no penalty for withdrawals. Direct deposit compatible, and federally insured by the NCUA.
Max Savings is a great fit for members seeking a credit union high-yield savings account for longer-term goals, emergency funds, or parking cash between investments. If you want your savings earning a competitive rate while staying liquid and accessible, this is your account.
None. There are no monthly maintenance fees and no service charges on Max Savings.
Max Savings uses a tiered interest rate structure. The higher your balance, the higher your rate. Interest is computed daily and paid quarterly. No interest is earned on balances below $100. Rates vary and are based on local market conditions.
No. Your funds are available for immediate withdrawal at any time. There is no penalty for withdrawing from Max Savings.
Yes. Max Savings is a tiered savings account that earns higher interest on larger balances. The more you keep in your account, the higher your rate. Rates vary based on market conditions, so check the current APY before opening.
LMCU offers Max Savings to members across Michigan. With branches throughout the state and easy online account opening, finding a high-yield savings account near you is straightforward. Current members can open Max Savings directly in online banking under the Services tab.
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Disclosures
For all accounts, fees may reduce earnings. Rates are subject to change after account opening. Overdraft/returned item fees may apply.
All variable rates listed are as of 9/10/2026 and subject to change after account opening.
Third party internet/mobile/data fees may apply.
All featured LMCU members were compensated for their time.
