Credit union · NCUA insured
1st Mississippi Federal Credit Union Savings Rates
1st Mississippi Federal Credit Union’s best savings rate is 0.85% APY on $10,000, with its High Yield Savings. Rates checked October 22, 2026.
How 1st Mississippi Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Meridian, MS, where 1st Mississippi Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
1st Mississippi Federal Credit Union
0.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $85
High Yield Savings
Top rate
Woodforest National Bank
1.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $100
3rd-highest rate
The Commercial Bank
0.65%APY
- Minimum
- $100
- Earns on $10,000 a year
- $65
1st Mississippi Federal Credit Union savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.85%
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 1st Mississippi Federal 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.
High Yield Savings
0.85%APY
Early withdrawal penalties apply. Rates subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $7,499 | 0.20% | — |
| $7,500 – $25,000 | 0.85% | $85 |
| $25,000 – $50,000 | 0.85% | — |
| $50,000 – $250,000 | 0.90% | — |
| $250,000 and up | 0.90% | — |
Sources (1)
- 1stms.com/Rates · captured Sep 19, 2026
Regular Savings
0.20%APY
Dividends accrued on average daily balances of $100 or more. $25 savings required for membership eligibility. Excessive withdrawal fees may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends accrued on average daily balances of $100 or more.$100 and up | 0.20% | $20 | Dividends accrued on average daily balances of $100 or more. |
Special-purpose accounts
Christmas Club Savings
2.00%APY
No membership fee. $20 early withdrawal fee. No limit on multiple withdrawals between 11/1 and 1/1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$20 early withdrawal fee; no limit on multiple withdrawals between 11/1 and 1/1.$100 and up | 2.00% | $200 | $20 early withdrawal fee; no limit on multiple withdrawals between 11/1 and 1/1. |
1st Beginning Savings
0.40%APY
Specifically designed for those under the age of 18; adult must set up account. Account is free with no minimum balance. $20 early withdrawal fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends pay quarterly once balance equals $100. $20 early withdrawal fee.$100 and up | 0.40% | $40 | Dividends pay quarterly once balance equals $100. $20 early withdrawal fee. |
IRA Shares
0.35%APY
Offers Traditional and Roth IRA options. Allows contributions up to $7,500 annually ($8,600 for members ages 50 or older).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.35% | $35 |
Vacation Club Savings
0.20%APY
No membership fee. No withdrawal fees. No limit on withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo withdrawal fees; funds accessible at any time.$100 and up | 0.20% | $20 | No withdrawal fees; funds accessible at any time. |
Who can join 1st Mississippi Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.