Credit union · NCUA insured
Members 1st Federal Credit Union Savings Rates
Members 1st Federal Credit Union’s best savings rate is 0.80% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Members 1st Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Harrisburg, PA, where Members 1st Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members 1st Federal Credit Union
0.80%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $80
Money Market
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Pennian Bank
3.75%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $375
Members 1st Federal Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.70%
- QualifiedQualified0.80%
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 Federal 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
0.80%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $25,000 | 0.80% | $80 |
| $25,000 – $50,000 | 1.00% | — |
| $50,000 – $100,000 | 1.30% | — |
| $100,000 – $250,000 | 1.70% | — |
| $250,000 and up | 2.00% | — |
Sources (1)
- members1st.org/ask-us/rate-center/savings-checking · captured Oct 6, 2026
Goal Savings
0.25%APY
Open up to five accounts, each with a customizable goal. No maturity date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.25% | $25 |
Regular Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.25% | $25 |
Secured Credit Card Savings
0.25%APY
Pledged as security for Members 1st Visa Platinum Secured Credit Card. Transfers, deposits and withdrawals are restricted due to security interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.25% | $25 |
Supplemental Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.25% | $25 |
Special-purpose accounts
IRA Money Market
0.80%APY
Available as Traditional IRA or Roth IRA. Rates may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $25,000 | 0.80% | $80 |
| $25,000 – $50,000 | 1.00% | — |
| $50,000 – $100,000 | 1.30% | — |
| $100,000 – $250,000 | 1.70% | — |
| $250,000 and up | 2.00% | — |
Sources (3)
- members1st.org/ask-us/rate-center/ira
- members1st.org/ask-us/rate-center/savings-checking
- members1st.org/personal/save/iras
All captured Oct 6, 2026
Health Savings Account
0.30%APY
Must have a High Deductible Health Plan (HDHP), not have other major medical insurance coverage, not be enrolled in Medicare, and not be claimed as a dependent.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.25% | — |
| $2,500 – $25,000 | 0.30% | $30 |
| $25,000 and up | 0.35% | — |
Holiday Club
0.30%APY
Holiday Clubs mature annually on October 1st. Pre-maturity withdrawal fee applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures on October 1st. Pre-maturity withdrawal fee applies.Any balance | 0.30% | $30 | Matures on October 1st. Pre-maturity withdrawal fee applies. |
Vacation Club
0.30%APY
Vacation Clubs mature annually on April 1st. Pre-maturity withdrawal fee applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures on April 1st. Pre-maturity withdrawal fee applies.Any balance | 0.30% | $30 | Matures on April 1st. Pre-maturity withdrawal fee applies. |
Kids 1st Club
0.25%APY
Designed for ages 0 to 12 years
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAges 0-12 years$5 and up | 0.25% | $25 | Ages 0-12 years |
Savings (members under the age of 22)
0.25%APY
Members under the age of 22
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMembers under the age of 22$5 and up | 0.25% | $25 | Members under the age of 22 |
Sources (2)
- members1st.org/ask-us/rate-center/savings-checking
- members1st.org/ask-us/rate-cen…rate-and-fee-disclosures
All captured Oct 16, 2026
iMember
0.25%APY
Designed for ages 13 to 19 years (or 13 to 18 years per Youth Club page)
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAges 13-19 years$5 and up | 0.25% | $25 | Ages 13-19 years |
Who can join Members 1st Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.