Credit union · NCUA insured
MECE Credit Union Savings Rates
Top CarrotMECE Credit Union’s best savings rate is 3.56% APY on $10,000, with its High Yield Emergency Savings. Rates checked October 17, 2026.
How MECE Credit Union’s savings rates compare
Compared with banks and credit unions near Jefferson City, MO, where MECE Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MECE Credit Union
3.56%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $356
High Yield Emergency Savings
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
3rd-highest rate
Sullivan Bank
2.25%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $225
MECE Credit Union savings score
94
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0001.26%
- $10,000 balance$10,0003.55%
- $100,000 balance$100,0001.26%
- QualifiedQualified3.55%
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 MECE 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 Emergency Savings
Up to 3.56%APY
The minimum balance required to open this account is $2,000.00. You must maintain a balance equal to the minimum balance required to open your account each day to obtain the disclosed APY and to keep your account open. The maximum balance is $20,000.00. Any balance above this maximum amount will not earn a dividend. Dividends paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $20,000Must maintain minimum balance of $2,000.00 daily to earn APY and keep account open. Balances above $20,000.00 do not earn dividends. Dividends paid monthly.$2,000 – $20,000 | 3.56% | $356 | Must maintain minimum balance of $2,000.00 daily to earn APY and keep account open. Balances above $20,000.00 do not earn dividends. Dividends paid monthly. |
| $2,000 – $20,000$2,000 minimum / $20,000 maximum.$2,000 – $20,000 | 3.55% | $355 | $2,000 minimum / $20,000 maximum. |
Sources (3)
- mececu.com/accounts/rates
- mececu.com/checking-savings
- mececu.com/wp-content/uploads/…/Rates-as-of-10-1-26.pdf
All captured Oct 5, 2026
Savings
1.26%APY
Dividends paid monthly. Primary share requires a minimum $25 initial deposit. No monthly service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly. Primary share requires a minimum $25 initial deposit.Any balance | 1.26% | $126 | Dividends paid monthly. Primary share requires a minimum $25 initial deposit. |
Sources (3)
- mececu.com/accounts/rates
- mececu.com/checking-savings
- mececu.com/wp-content/uploads/…/Rates-as-of-10-1-26.pdf
All captured Oct 5, 2026
Special-purpose accounts
Health Savings (HSA)
2.53%APY
Must be enrolled in a High Deductible Health Plan (HDHP) to qualify. No maintenance fees. Tax-free contributions. Subject to IRS rules and regulations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be enrolled in an HDHP. No maintenance fees.Any balance | 2.53% | $253 | Must be enrolled in an HDHP. No maintenance fees. |
Sources (3)
- mececu.com/health-savings-accounts
- mececu.com/accounts/rates
- mececu.com/wp-content/uploads/…/Rates-as-of-10-1-26.pdf
All captured Oct 5, 2026
Christmas Club
Up to 2.02%APY
Dividends pay annually on September 30th with a maximum deposit limit of $10,000.00. Each year on the maturity date, the entire balance will be transferred to your primary share account or paid by check. Early withdrawals subject account to closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends pay annually on September 30th with maximum deposit limit of $10,000.00. No minimum balance required.Up to $10,000 | 2.00% | $200 | Dividends pay annually on September 30th with maximum deposit limit of $10,000.00. No minimum balance required. |
| Up to $10,000Dividends pay annually on September 30th with a maximum deposit limit of $10,000.00. Early withdrawals subject account to closure.Up to $10,000 | 2.02% | $202 | Dividends pay annually on September 30th with a maximum deposit limit of $10,000.00. Early withdrawals subject account to closure. |
Sources (3)
- mececu.com/club-accounts
- mececu.com/accounts/rates
- mececu.com/wp-content/uploads/…/Rates-as-of-10-1-26.pdf
All captured Oct 5, 2026
My Club
Up to 2.02%APY
Dividends pay annually on the first day of the month selected / anniversary date with a maximum deposit limit of $10,000.00. Each year on the maturity date, the entire balance will be transferred to your primary share account or paid by check. Early withdrawals subject account to closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends pay annually on the anniversary date with maximum deposit limit of $10,000.00. No minimum balance required.Up to $10,000 | 2.00% | $200 | Dividends pay annually on the anniversary date with maximum deposit limit of $10,000.00. No minimum balance required. |
| Up to $10,000Dividends pay annually on the first day of the month selected with a maximum deposit limit of $10,000.00. Early withdrawals subject account to closure.Up to $10,000 | 2.02% | $202 | Dividends pay annually on the first day of the month selected with a maximum deposit limit of $10,000.00. Early withdrawals subject account to closure. |
Sources (3)
- mececu.com/club-accounts
- mececu.com/accounts/rates
- mececu.com/wp-content/uploads/…/Rates-as-of-10-1-26.pdf
All captured Oct 5, 2026
Vacation Club
Up to 2.02%APY
Dividends pay annually on April 30th with a maximum deposit limit of $10,000.00. Each year on the maturity date, the entire balance will be transferred to your primary share account or paid by check. Early withdrawals subject account to closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends pay annually on April 30th with maximum deposit limit of $10,000.00. No minimum balance required.Up to $10,000 | 2.00% | $200 | Dividends pay annually on April 30th with maximum deposit limit of $10,000.00. No minimum balance required. |
| Up to $10,000Dividends pay annually on April 30th with a maximum deposit limit of $10,000.00. Early withdrawals subject account to closure.Up to $10,000 | 2.02% | $202 | Dividends pay annually on April 30th with a maximum deposit limit of $10,000.00. Early withdrawals subject account to closure. |
Sources (3)
- mececu.com/club-accounts
- mececu.com/accounts/rates
- mececu.com/wp-content/uploads/…/Rates-as-of-10-1-26.pdf
All captured Oct 5, 2026
IRA Share Account
1.26%APY
IRA Share accounts pay monthly dividends at the same rate as Savings accounts. Available as Traditional IRA and Roth IRA. Subject to IRS limitations and penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA Share accounts pay monthly dividends at the same rate as Savings accounts.Any balance | 1.26% | $126 | IRA Share accounts pay monthly dividends at the same rate as Savings accounts. |
Sources (3)
All captured Oct 5, 2026
Who can join MECE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Rural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, and MECE Credit Union are eligible for membership.
Family and household
- Immediate family members (defined as spouses, grandparents, parents, children, grandchildren, siblings, and spouses of children, grandchildren, and siblings) of eligible employees, as well as the spouse's immediate family, are eligible for membership.
Cost to join
- A minimum deposit of $25 is required to open an account.
Membership information collected October 4, 2026.