Credit union · NCUA insured
Marine Federal Credit Union Savings Rates
Top CarrotMarine Federal Credit Union’s best savings rate is 0.55% APY on $10,000, with its Standard Money Market. Rates checked October 22, 2026.
How Marine Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Jacksonville, NC, where Marine Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Marine Federal Credit Union
1.31%APY
- Minimum
- $0
- Earns on $10,000 a year
- $131
Choice Money Market Share
Top rate
State Employees' Credit Union
2.20%APY
- Minimum
- $250
- Earns on $10,000 a year
- $220
3rd-highest rate
Woodforest National Bank
1.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $100
Marine Federal Credit Union savings score
88
Savings score
Higher than 81% of U.S. banks and credit unions
- $1,000 balance$1,0004.23%
- $10,000 balance$10,0001.31%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.31%
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 Marine 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.
Choice Money Market Share
1.31%APY
Limit of one Choice Money Market Share per Marine FCU account. Debit cards, check writing, and Zelle transfers are restricted. May be used for overdraft protection.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Dividends compound and credit monthly using the Average Daily Balance method. | 4.23% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
| Up to $3,000Limit of one per account. No debit card or check access allowed. May be used for overdraft protection. Dividends compound and credit monthly using the Average Daily Balance method. | 4.07% | — | Limit of one per account. No debit card or check access allowed. May be used for overdraft protection. Dividends compound and credit monthly using the Average Daily Balance method. |
| $3,000 – $5,000Dividends compound and credit monthly using the Average Daily Balance method. | 3.20% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
| $5,000 – $10,000Dividends compound and credit monthly using the Average Daily Balance method. | 2.12% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
| $10,000 – $15,000Dividends compound and credit monthly using the Average Daily Balance method. | 1.31% | $131 | Dividends compound and credit monthly using the Average Daily Balance method. |
| $15,000 – $25,000Dividends compound and credit monthly using the Average Daily Balance method. | 0.80% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
| $25,000 and upDividends compound and credit monthly using the Average Daily Balance method. | 0.75% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
Sources (4)
- marinefederal.org/rates
- marinefederal.org/savings-accounts
- marinefederal.org/choice-money-market-share
- marinefederal.org/s/TruthInSavings-1.docx
All captured Oct 22, 2026
Jumbo Money Market
Up to 3.04%APY
No check access allowed. Withdrawals are restricted.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 – $500,000No check access allowed. Withdrawals are restricted. Dividends compound and credit monthly using the Average Daily Balance method. | 1.51% | — | No check access allowed. Withdrawals are restricted. Dividends compound and credit monthly using the Average Daily Balance method. |
| $500,000 – $1,000,000Dividends compound and credit monthly using the Average Daily Balance method. | 1.76% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
| Over $1,000,000Dividends compound and credit monthly using the Average Daily Balance method. | 3.04% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
Sources (3)
All captured Oct 22, 2026
Standard Money Market
0.55%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Dividends compound and credit monthly using the Average Daily Balance method. | 0.55% | $55 | Dividends compound and credit monthly using the Average Daily Balance method. |
| $10,000 – $25,000Dividends compound and credit monthly using the Average Daily Balance method. | 0.60% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
| $25,000 – $50,000Dividends compound and credit monthly using the Average Daily Balance method. | 0.65% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
| Over $50,000Dividends compound and credit monthly using the Average Daily Balance method. | 0.75% | — | Dividends compound and credit monthly using the Average Daily Balance method. |
Sources (2)
All captured Oct 22, 2026
Credit Builder Savings
0.10%APY
Credit builder share savings account. Average Daily Balance method used to calculate dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit of $300. Average daily balance method.Any balance | 0.10% | $10 | Minimum opening deposit of $300. Average daily balance method. |
Sources (1)
- marinefederal.org/rates · captured Oct 22, 2026
Secondary Savings
0.10%APY
Dedicated fund for special savings goals. No minimum opening deposit required. Average Daily Balance method used to calculate dividends. Not available for business accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5. Average daily balance method. No minimum opening deposit required.$5 and up | 0.10% | $10 | Minimum balance to earn dividends is $5. Average daily balance method. No minimum opening deposit required. |
Simply Smart Savings
0.10%APY
Foundational membership account. Requires a par value share purchase of $5. Average Daily Balance method used to calculate dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5. Par value of membership share is $5. Average daily balance method.$5 and up | 0.10% | $10 | Minimum balance to earn dividends is $5. Par value of membership share is $5. Average daily balance method. |
Special-purpose accounts
IRA Savings
0.25%APY
Traditional, Roth, SEP, and HSA IRA share savings accounts. Average Daily Balance method used to calculate dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIncludes Traditional, Roth, SEP, HSA. Average daily balance method.Any balance | 0.25% | $25 | Includes Traditional, Roth, SEP, HSA. Average daily balance method. |
Sources (1)
- marinefederal.org/rates · captured Oct 22, 2026
Christmas Club
0.10%APY
Club savings account for holiday savings. Average Daily Balance method used to calculate dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5. Average daily balance method.$5 and up | 0.10% | $10 | Minimum balance to earn dividends is $5. Average daily balance method. |
Sources (1)
- marinefederal.org/rates · captured Oct 22, 2026
Gunny Savers
0.10%APY
Youth account for ages 0-12 (Little Gunny Savers) and ages 13-17 (Gunny Savers). Requires joint adult owner. Average Daily Balance method used to calculate dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5. Opening share deposit is $5 for Gunny Savers. Average daily balance method.$5 and up | 0.10% | $10 | Minimum balance to earn dividends is $5. Opening share deposit is $5 for Gunny Savers. Average daily balance method. |
Who can join Marine Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of registered partner business affiliates or organizations are eligible for membership.
Military, government and schools
- Dependents or dependent survivors of the U.S. Armed Forces who are eligible to receive services or benefits from MCB Camp Lejeune, MCAS New River (Jacksonville, NC), or MCB Quantico (Virginia) are eligible to join.
- Military personnel, Department of Defense (DOD), and Non-Appropriated Fund Civilians associated with MCB Camp Lejeune, MCAS New River (Jacksonville, NC), or MCB Quantico (Virginia) are eligible to join.
Family and household
- Immediate family members (related by blood, marriage, or adoption) or household members of employees of recognized business affiliates are eligible to join.
- Direct family members (by blood, marriage, or adoption) or regular household members of qualifying active or retired military personnel are eligible to join.
Other ways
- Commercial entities, local businesses, and civic groups can join as corporate members.
1 more way to join
Other ways
- Applicants who do not meet military, family, or business affiliate criteria can qualify for membership by making a $25.00 donation to the Marine Corps Scholarship Foundation (MCSF).
Cost to join
- A $25.00 charitable donation to the Marine Corps Scholarship Foundation (MCSF) is required when qualifying via the MCSF membership path.
Membership information collected October 4, 2026.