Credit union · NCUA insured
Members 1st Credit Union Savings Rates
Top CarrotMembers 1st Credit Union’s best savings rate is 2.43% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Members 1st Credit Union’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Members 1st Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members 1st Credit Union
2.43%APY
- Requires
- None
- Earns on $10,000 a year
- $243
Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Earns on $10,000 a year
- $450
Members 1st Credit Union savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $10,000 balance$10,0002.43%
- $100,000 balance$100,0003.25%
- QualifiedQualified2.43%
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 Members 1st 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.
Money Market
2.43%APY
Dividends are calculated on the average daily balance, compounded and credited monthly, and earned on the entire balance based on the tier in which average daily balance falls. Minimum $250 withdrawals/transfers.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $19,999Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier. | 2.43% | $243 | Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier. |
| $20,000 – $49,999Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier. | 2.84% | — | Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier. |
| $50,000 – $74,999Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier. | 3.04% | — | Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier. |
| $75,000 and upMinimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier. | 3.25% | — | Minimum average daily balance of $2,500 required to earn dividends. Dividends earned on entire balance based on tier. |
Sources (2)
All captured Oct 5, 2026
Who can join Members 1st Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.