Credit union · NCUA insured
Louisville/Jefferson County Metropolitan Sewer District (MSD) Savings Rates
Louisville/Jefferson County Metropolitan Sewer District (MSD)’s best savings rate is 0.25% APY on $10,000, with its Regular Share Account. Rates checked October 22, 2026.
How Louisville/Jefferson County Metropolitan Sewer District (MSD)’s savings rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where Louisville/Jefferson County Metropolitan Sewer District (MSD) has the most branches. $10,000, best rate first.
This credit union’s best
Louisville/Jefferson County Metropolitan Sewer District (MSD)
0.25%APY
- Minimum
- $5
- Earns on $10,000 a year
- $25
Regular Share Account
Top rate
LG&E Co. Credit Union
5.12%APY
- Minimum
- $50
- Earns on $10,000 a year
- $512
2nd-highest rate
Beacon Community Credit Union
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Louisville/Jefferson County Metropolitan Sewer District (MSD) savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 Louisville/Jefferson County Metropolitan Sewer District (MSD) 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.
Loan Reserve Account
0.25%APY
Membership eligibility applies. Minimum opening deposit requirement excluded. Dividends compounded and credited quarterly. Tiered rates are calculated by a progressive method. Transfer limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Tiered rate paid by progressive method calculation on balance from $0 to $4,999. Minimum opening deposit excluded. | 0.15% | — | Tiered rate paid by progressive method calculation on balance from $0 to $4,999. Minimum opening deposit excluded. |
| $5,000 – $9,999Tiered rate paid by progressive method calculation on balance from $5,000 to $9,999. Minimum opening deposit excluded. | 0.20% | — | Tiered rate paid by progressive method calculation on balance from $5,000 to $9,999. Minimum opening deposit excluded. |
| $10,000 and upTiered rate paid by progressive method calculation on balance of $10,000 and above. Minimum opening deposit excluded. | 0.25% | $25 | Tiered rate paid by progressive method calculation on balance of $10,000 and above. Minimum opening deposit excluded. |
Sources (2)
All captured Sep 19, 2026
Regular Share Account
0.25%APY
Membership eligibility applies to employees/retirees of MSD, Louisville Water Company, MSDFCU, and their immediate family or household members. Dividends compounded and credited quarterly. Tiered rates are calculated by a progressive method. Transfers limited to no more than 6 preauthorized, automatic, or telephone transfers per month, of which no more than 3 may be by check, draft, or debit card. Par value of a regular share is $5.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Tiered rate paid by progressive method calculation on balance from $0 to $4,999. | 0.15% | — | Tiered rate paid by progressive method calculation on balance from $0 to $4,999. |
| $5,000 – $9,999Tiered rate paid by progressive method calculation on balance from $5,000 to $9,999. | 0.20% | — | Tiered rate paid by progressive method calculation on balance from $5,000 to $9,999. |
| $10,000 and upTiered rate paid by progressive method calculation on balance of $10,000 and above. | 0.25% | $25 | Tiered rate paid by progressive method calculation on balance of $10,000 and above. |
Sources (2)
All captured Sep 19, 2026
Secondary Savings Accounts
0.15%APY
Membership eligibility applies. Dividends compounded and credited quarterly. Calculated using average daily balance method. Account transfer limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Accumulation Account
0.35%APY
Includes Roth & Education IRA accounts. Membership eligibility applies. Dividends compounded and credited quarterly. Federal laws apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIncludes Roth & Education IRA options. Federal laws apply.Any balance | 0.35% | $35 | Includes Roth & Education IRA options. Federal laws apply. |
Sources (2)
All captured Sep 19, 2026
X-Mas Club Account
0.20%APY
Membership eligibility applies. Dividends compounded and credited quarterly. Normal balance distribution period is November. Penalty for early withdrawal is all dividends earned or seven days', whichever is greater; no penalty for withdrawal within first seven days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePenalty for early withdrawal is all dividends earned or seven days' whichever is greater; no penalty for withdrawal within first seven days of opening. Distribution period is November.Any balance | 0.20% | $20 | Penalty for early withdrawal is all dividends earned or seven days' whichever is greater; no penalty for withdrawal within first seven days of opening. Distribution period is November. |
Sources (2)
All captured Sep 19, 2026
Who can join Louisville/Jefferson County Metropolitan Sewer District (MSD)
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.