Credit union · NCUA insured
Madison Credit Union Savings Rates
Madison Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Madison Credit Union’s savings rates compare
Compared with banks and credit unions near Madison, WI, where Madison Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Madison Credit Union
0.15%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Market
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Madison Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.15%
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 Madison 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
Up to 0.15%APY
Transfers are limited to six per month, three of which may be made by check. Dividends are calculated daily and credited monthly. A minimum balance required to open any account is the purchase of a $5 share in the Credit Union.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBelow Minimum balance. If balance falls below the minimum required to obtain higher dividends, APY may be less than regular savings. | 0.02% | $2 | Below Minimum balance. If balance falls below the minimum required to obtain higher dividends, APY may be less than regular savings. |
| $2,500 and upTier one members earn dividends at a higher rate than that of a basic savings account with a minimum balance of $2,500. | 0.15% | $15 | Tier one members earn dividends at a higher rate than that of a basic savings account with a minimum balance of $2,500. |
| $25,000 and upTier two members earn even higher dividends with a balance of $25,000 or more. | 0.50% | — | Tier two members earn even higher dividends with a balance of $25,000 or more. |
Sources (2)
All captured Sep 18, 2026
Regular Savings
0.03%APY
Dividends calculated daily and credited quarterly. Dividends begin earning with a balance of $100 or more. Must maintain a $5 minimum share balance to open and maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends calculated daily and credited quarterly. Requires $100 minimum balance to earn dividends.$100 and up | 0.03% | $3 | Dividends calculated daily and credited quarterly. Requires $100 minimum balance to earn dividends. |
Sources (3)
- madisoncu.com/wp-content/uploa…n-Savings-Disclosure.pdf
- madisoncu.com/certificates-cds
- madisoncu.com/checking-savings/savings
All captured Oct 16, 2026
Special-purpose accounts
Youth Savings
2.03%APY
For youth savers up to age 23. Members under age 18 require an adult member as a joint owner. Dividends calculated daily and credited quarterly. Dividends begin earning with a balance of $100 or more. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upFor members age 23 and under. Members under 18 require an adult joint owner. Minimum balance for dividends is $100. Dividends credited quarterly.$100 and up | 2.03% | $203 | For members age 23 and under. Members under 18 require an adult joint owner. Minimum balance for dividends is $100. Dividends credited quarterly. |
Christmas Club
0.25%APY
Funds lock throughout the year with balances available October 1st annually. Early withdrawal fee applies and early withdrawal prior to payout closes account. Dividends calculated daily and credited quarterly. Dividends begin earning with a balance of $100 or more. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $100 minimum balance to earn dividends. Balances distributed October 1st each year. Early withdrawal closes account. Dividends credited quarterly.$100 and up | 0.25% | $25 | Requires $100 minimum balance to earn dividends. Balances distributed October 1st each year. Early withdrawal closes account. Dividends credited quarterly. |
Sources (3)
- madisoncu.com/wp-content/uploa…n-Savings-Disclosure.pdf
- madisoncu.com/certificates-cds
- madisoncu.com/checking-savings/savings
All captured Oct 16, 2026
IRA Shares
0.15%APY
Available for Traditional, Roth, and Educational IRAs. Dividends calculated daily and credited monthly. Dividends begin earning with a balance of $100 or more. Subject to IRS guidelines in trust agreement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upApplies to Traditional, Roth, and Educational IRA shares. Requires $100 minimum balance to earn dividends. Dividends credited monthly. Subject to IRS guidelines.$100 and up | 0.15% | $15 | Applies to Traditional, Roth, and Educational IRA shares. Requires $100 minimum balance to earn dividends. Dividends credited monthly. Subject to IRS guidelines. |
Sources (2)
All captured Oct 16, 2026
Organizational Accounts
0.03%APY
Designed to support nonprofits, clubs, small businesses, and community groups in managing their funds effectively. Majority of individuals listed on the account must fall into MCU's field of membership. Standard savings dividends apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upStandard savings dividends apply. Requires $100 minimum balance to earn dividends.$100 and up | 0.03% | $3 | Standard savings dividends apply. Requires $100 minimum balance to earn dividends. |
Sources (3)
- madisoncu.com/wp-content/uploa…n-Savings-Disclosure.pdf
- madisoncu.com/certificates-cds
- madisoncu.com/checking-savings/savings
All captured Oct 16, 2026
Vacation Club
0.03%APY
Follows the same rules and benefits as regular savings account. Dividends calculated daily and credited quarterly. Dividends begin earning with a balance of $100 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $100 minimum balance to earn dividends. Dividends calculated daily and credited quarterly.$100 and up | 0.03% | $3 | Requires $100 minimum balance to earn dividends. Dividends calculated daily and credited quarterly. |
Sources (3)
- madisoncu.com/wp-content/uploa…n-Savings-Disclosure.pdf
- madisoncu.com/certificates-cds
- madisoncu.com/checking-savings/savings
All captured Oct 16, 2026
Who can join Madison Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Dane, Dodge, Columbia, Green, Iowa, Jefferson, Rock, Sauk, or Walworth County in Wisconsin are eligible for membership.
Military, government and schools
- Employees and elected officials of the City of Madison, Madison Metropolitan School District, or the County of Dane are eligible for membership.
Family and household
- Immediate family members (parent, spouse, or child) of a Madison Credit Union member, or relatives living in the same household as a member, are eligible for membership.
Membership information collected October 5, 2026.