Credit union · NCUA insured
MCU Financial Center CU Savings Rates
Top CarrotMCU Financial Center CU’s best savings rate is 0.09% APY on $10,000, with its Money Tree. Rates checked October 16, 2026.
How MCU Financial Center CU’s savings rates compare
Compared with banks and credit unions near Racine, WI, where MCU Financial Center CU has the most branches. $10,000, best rate first.
This credit union’s best
MCU Financial Center CU
0.09%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $9
Money Tree
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
MCU Financial Center CU savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.06%
- $10,000 balance$10,0000.09%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.09%
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 MCU Financial Center CU 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 Tree MAX Account
Up to 2.00%APY
Requires ACTIVE MCU checking account and ACTIVE MCU credit card (MCU Option Card). A Regular Share Savings Account is required. Transaction limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 – $100,000Daily minimum balance of $50,000.00 is required to earn APY. Requires ACTIVE MCU checking account and MCU Option Card. | 0.50% | — | Daily minimum balance of $50,000.00 is required to earn APY. Requires ACTIVE MCU checking account and MCU Option Card. |
| $100,001 – $150,000Daily minimum balance of $50,000.00 is required to earn APY. Requires ACTIVE MCU checking account and MCU Option Card. | 1.00% | — | Daily minimum balance of $50,000.00 is required to earn APY. Requires ACTIVE MCU checking account and MCU Option Card. |
| $150,001 – $200,000Daily minimum balance of $50,000.00 is required to earn APY. Requires ACTIVE MCU checking account and MCU Option Card. | 1.50% | — | Daily minimum balance of $50,000.00 is required to earn APY. Requires ACTIVE MCU checking account and MCU Option Card. |
| $200,001 and upDaily minimum balance of $50,000.00 is required to earn APY. Requires ACTIVE MCU checking account and MCU Option Card. | 2.00% | — | Daily minimum balance of $50,000.00 is required to earn APY. Requires ACTIVE MCU checking account and MCU Option Card. |
Sources (2)
All captured Sep 18, 2026
Money Tree
0.09%APY
Tiered Account. Daily minimum balance of $2,000.00 is required to earn the disclosed APY. A Regular Share Savings Account is required. Transaction limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Daily minimum balance of $2,000.00 required to earn APY. | 0.09% | $9 | Daily minimum balance of $2,000.00 required to earn APY. |
| $10,001 – $25,000Daily minimum balance of $2,000.00 required to earn APY. | 0.12% | — | Daily minimum balance of $2,000.00 required to earn APY. |
| $25,001 – $50,000Daily minimum balance of $2,000.00 required to earn APY. | 0.15% | — | Daily minimum balance of $2,000.00 required to earn APY. |
| $50,001 and upDaily minimum balance of $2,000.00 required to earn APY. | 0.20% | — | Daily minimum balance of $2,000.00 required to earn APY. |
Sources (2)
All captured Sep 18, 2026
Regular Share
0.06%APY
A $3.00 monthly service fee is assessed if the balance falls below $15.00. Account transfer limitations apply. Membership share requires $15.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance $15.00; minimum daily balance of $100.00 to earn APY. $3.00 monthly fee if balance falls below $15.00.$100 and up | 0.06% | $6 | Minimum balance $15.00; minimum daily balance of $100.00 to earn APY. $3.00 monthly fee if balance falls below $15.00. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Retirement Tree - Individual Retirement Share (IRA) Account
0.08%APY
Tiered Account. Traditional and Roth IRA share accounts available. A Regular Savings account is required. Minimum balance required to open and earn APY is $100.00. Account transfer limitations apply. A $25.00 fee is charged for each withdrawal, direct transfer or rollover completed before age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. | 0.08% | $8 | Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. |
| $10,001 – $25,000Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. | 0.11% | — | Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. |
| $25,001 – $50,000Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. | 0.15% | — | Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. |
| $30,001 – $50,000Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. | 0.55% | — | Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. |
| $50,001 – $75,000Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. | 0.20% | — | Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. |
| $75,001 and upMinimum balance required to open and earn APY is $100.00. A Regular Savings account is required. | 0.26% | — | Minimum balance required to open and earn APY is $100.00. A Regular Savings account is required. |
Christmas Club
0.06%APY
A Regular Share Account is required. Account transfer limitations apply. On November 1, funds automatically transfer into checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo minimum opening balance. Minimum daily balance of $100.00 required to earn APY. A $3.00 monthly service fee is assessed if balance falls below $15.00.$100 and up | 0.06% | $6 | No minimum opening balance. Minimum daily balance of $100.00 required to earn APY. A $3.00 monthly service fee is assessed if balance falls below $15.00. |
Sources (2)
All captured Sep 18, 2026
Growing Tree
0.05%APY
For children up to/thru age 18. Converts into a Regular Share Savings account at age 19. Account transfer limitations apply. Free coin counting with deposits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. | 0.05% | — | Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. |
| $101 – $350Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. | 0.05% | — | Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. |
| $351 – $500Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. | 0.05% | — | Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. |
| $501 – $1,000Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. | 0.05% | — | Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. |
| $1,001 and upTiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. | 0.05% | $5 | Tiered account. Minimum balance to open is $5.00. Balance must be maintained to earn APY. |
Sources (2)
All captured Sep 18, 2026
Who can join MCU Financial Center CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in Racine or Kenosha counties are eligible for membership.
Cost to join
- A $15 membership share deposit into a Primary Savings account is required to join.
Membership information collected October 5, 2026.