Credit union · NCUA insured
MECU Savings Rates
MECU’s best savings rate is 0.15% APY on $10,000, with its Tiered Money Market. Rates checked October 15, 2026.
How MECU’s savings rates compare
Compared with banks and credit unions near Oklahoma City, OK, where MECU has the most branches. $10,000, best rate first.
This credit union’s best
MECU
0.15%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $15
Tiered Money Market
Top rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Communication Federal Credit Union
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
MECU savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- 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 MECU 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.
Gold Savings
0.00%APY
Must maintain a minimum daily balance of $25,000.00 to earn dividends/stated APY; dividends compounded and credited quarterly using daily balance method. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Tier earns 0.00% APY when balance falls below $25,000.00. | 0.00% | $0 | Tier earns 0.00% APY when balance falls below $25,000.00. |
| $25,000 and upMinimum daily balance of $25,000.00 required to earn 0.25% APY. | 0.25% | — | Minimum daily balance of $25,000.00 required to earn 0.25% APY. |
Sources (3)
- mecuokc.org/rates
- mecuokc.org/accounts/savings
- mecuokc.org/wp-content/uploads…Fee_Schedule_2025-03.pdf
All captured Sep 18, 2026
Tiered Money Market
0.15%APY
Dividends compounded and credited quarterly based on average daily balance. Rates are subject to change quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Standard service fee of $10.00/month is waived if a minimum balance of $2,000.00 is maintained, or if maintaining a $10,000.00 Share Certificate, an IRA Share Certificate, or an IRA Share Account. | 0.05% | — | Standard service fee of $10.00/month is waived if a minimum balance of $2,000.00 is maintained, or if maintaining a $10,000.00 Share Certificate, an IRA Share Certificate, or an IRA Share Account. |
| $2,500 and upStandard service fee of $10.00/month is waived if a minimum balance of $2,000.00 is maintained, or if maintaining a $10,000.00 Share Certificate, an IRA Share Certificate, or an IRA Share Account. | 0.15% | $15 | Standard service fee of $10.00/month is waived if a minimum balance of $2,000.00 is maintained, or if maintaining a $10,000.00 Share Certificate, an IRA Share Certificate, or an IRA Share Account. |
Sources (2)
All captured Sep 18, 2026
Regular Savings
0.05%APY
Quarterly dividends calculated by average daily balance method. No annual fee. Membership share par value of $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividends; 3 withdrawals per quarter at no charge, $1.00 per withdrawal thereafter; no more than 6 pre-authorized, automatic, or telephone transfers per period.Any balance | 0.05% | $5 | Quarterly dividends; 3 withdrawals per quarter at no charge, $1.00 per withdrawal thereafter; no more than 6 pre-authorized, automatic, or telephone transfers per period. |
Sources (3)
- mecuokc.org/rates
- mecuokc.org/accounts/savings
- mecuokc.org/wp-content/uploads…Fee_Schedule_2025-03.pdf
All captured Sep 18, 2026
Special-purpose accounts
IRA Share Savings
0.25%APY
Tax-deferred retirement savings account. Dividends compounded and credited quarterly using average daily balance method. $8.00 per year minimum balance fee if balance is below $1,000.00 at calendar year end. $8.00 enrollment fee at opening. $25.00 per withdrawal fee if under age 59 1/2.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly; $8.00/year fee if balance is below $1,000.00 at calendar year end; $8.00 enrollment fee at opening; $25.00 withdrawal fee if under age 59 1/2.Any balance | 0.25% | $25 | Dividends compounded and credited quarterly; $8.00/year fee if balance is below $1,000.00 at calendar year end; $8.00 enrollment fee at opening; $25.00 withdrawal fee if under age 59 1/2. |
Sources (3)
- mecuokc.org/rates
- mecuokc.org/accounts/savings
- mecuokc.org/wp-content/uploads…Fee_Schedule_2025-03.pdf
All captured Sep 18, 2026
Who can join MECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Pottawatomie, Canadian, Lincoln, McClain, Grady, or Logan County.
Membership information collected October 4, 2026.