Credit union · NCUA insured
MECU Credit Union Savings Rates
MECU Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How MECU Credit Union’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where MECU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MECU Credit Union
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $100
RealSaver Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
MECU Credit Union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.55%
- QualifiedQualified1.00%
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 MECU 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.
Premier Money Market Account
0.30%APY
Minimum balance in order to earn stated APY. Fees could reduce earnings on the account. Rate may change after the account is opened. Federally insured by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.00% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $500 – $10,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.20% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $10,000 – $50,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.30% | $30 | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $50,000 – $100,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.40% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $100,000 – $150,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.55% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $150,000 – $500,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.55% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $500,000 – $2,500,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.75% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $2,500,000 and upMinimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.75% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
Sources (1)
- mecu.com/rates/savings-rates · captured Oct 4, 2026
Money Market Account
0.25%APY
Minimum balance in order to earn stated APY. Fees could reduce earnings on the account. Rate may change after the account is opened. Federally insured by NCUA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.00% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $500 – $10,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.20% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $10,000 – $25,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.25% | $25 | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $25,000 – $50,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.30% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $50,000 – $75,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.30% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $75,000 – $100,000Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.35% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
| $100,000 and upMinimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. | 0.40% | — | Minimum balance in order to earn stated APY. Rate may change after the account is opened. Fees could reduce earnings. |
Sources (2)
All captured Oct 4, 2026
Share Savings Account
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum balance in order to earn interest. Rate subject to change following account opening. No monthly fees.$5 and up | 0.10% | $10 | $5 minimum balance in order to earn interest. Rate subject to change following account opening. No monthly fees. |
Sources (2)
All captured Oct 4, 2026
RealSaver Account
0.00%APY on $10,000
May only be opened in conjunction with a CashBack Checking or RewardChecking product. Higher interest rates and yields are earned when checking qualifications are met during the monthly cycle.
| Part of the balance | Rate on that part |
|---|---|
| $20,000 and up | 0.15% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Holiday Savings Account
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and up$5 minimum balance in order to earn interest. Rate subject to change following account opening. No monthly fees.$5 and up | 0.10% | $10 | $5 minimum balance in order to earn interest. Rate subject to change following account opening. No monthly fees. |
Sources (2)
All captured Oct 4, 2026
IRA Savings Account
0.10%APY
Available as Traditional IRA or Roth IRA savings accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$25 minimum balance in order to earn interest. Rate may change after account is opened. Early withdrawal penalties may reduce earnings. Available for Traditional and Roth IRA.$25 and up | 0.10% | $10 | $25 minimum balance in order to earn interest. Rate may change after account is opened. Early withdrawal penalties may reduce earnings. Available for Traditional and Roth IRA. |
Sources (3)
- mecu.com/checking-savings/savi…gs/traditional-roth-iras
- mecu.com/checking-savings/savings/iras-education-savings
- mecu.com/rates/savings-rates
All captured Oct 4, 2026
Who can join MECU Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.