Credit union · NCUA insured
Members 1st of NJ Federal Credit Union Savings Rates
Members 1st of NJ Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Members 1st of NJ Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Vineland, NJ, where Members 1st of NJ Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members 1st of NJ Federal Credit Union
0.50%APY
- Minimum
- $1,500
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
First Harvest Credit Union
3.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $300
2nd-highest rate
The First National Bank of Elmer
2.50%APY
- Minimum
- $500
- Earns on $10,000 a year
- $250
Members 1st of NJ Federal Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.50%
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 of NJ 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 Account
0.50%APY
Simply maintain a minimum deposit of $1,500. Up to 6 withdrawals per month. $10.00 service fee if balance falls below $1,500.00. Dividends compounded and paid monthly. Money Market checks available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 – $9,999$10.00 service fee if balance falls below $1,500.00. Up to 6 withdrawals per month. | 0.35% | — | $10.00 service fee if balance falls below $1,500.00. Up to 6 withdrawals per month. |
| $9,999 – $24,999$10.00 service fee if balance falls below $1,500.00. Up to 6 withdrawals per month. | 0.50% | $50 | $10.00 service fee if balance falls below $1,500.00. Up to 6 withdrawals per month. |
| $24,999 and up$10.00 service fee if balance falls below $1,500.00. Up to 6 withdrawals per month. | 0.75% | — | $10.00 service fee if balance falls below $1,500.00. Up to 6 withdrawals per month. |
Sources (2)
- membersonenj.org/deposit-accounts/deposit-rates
- membersonenj.org/deposit-accounts/money-market-accounts
All captured Sep 19, 2026
Share Savings Account
0.10%APY
Requires maintaining a $5.00 minimum balance in primary Share Savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| Up to $1,999 | 0.05% | — |
| Over $1,999 | 0.10% | $10 |
Sources (3)
- membersonenj.org/deposit-accounts
- membersonenj.org/deposit-accounts/deposit-rates
- membersonenj.org/deposit-accounts/share-savings
All captured Sep 19, 2026
Special-purpose accounts
IRA Accounts
0.55%APY
Offers Traditional and Roth IRA account options. Tax-deductible or tax-free growth subject to IRS rules and contribution limits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $99 | 0.00% | — |
| Up to $1,999 | 0.35% | — |
| $1,999 – $4,999 | 0.45% | — |
| Over $4,999 | 0.55% | $55 |
Club Accounts
0.05%APY
Includes KOFE, Christmas, Vacation, Summer Savings, and School Employee Club accounts. No minimum opening deposit amount and no monthly service charge. KOFE Club Savings offers a 10% boost up to $25 per quarter with completion of two finance activities.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to KOFE, Christmas, & Vacation Clubs.Any balance | 0.05% | $5 | Applies to KOFE, Christmas, & Vacation Clubs. |
Who can join Members 1st of NJ Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of select employer member groups are eligible for membership.
- Retirees of select employer member groups are eligible for membership.
Family and household
- Immediate family members of select employer group employees are eligible for membership.
Cost to join
- Membership requires opening a Share Savings Account and depositing and maintaining a minimum balance of $5.00.
Membership information collected October 5, 2026.