Credit union · NCUA insured
Members Choice Credit Union Savings Rates
Members Choice Credit Union’s best savings rate is 0.50% APY on $10,000, with its Share Savings. Rates checked October 22, 2026.
How Members Choice Credit Union’s savings rates compare
Compared with banks and credit unions near Huntington, WV-KY-OH, where Members Choice Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Choice Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
MyChoice Wealth Premium Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
CommunityAmerica Credit Union
3.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Members Choice Credit Union savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified2.00%
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 Members Choice 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.
MyChoice Wealth Premium Savings
Up to 2.00%APY
Must meet qualifications in corresponding MyChoice Advantage or Plus Account to earn 2.00% APY on balances up to $100,000 and 0.25% APY over $100,000. If qualifications not met, earns 0.01% APY. Refunds on ATM withdrawal fees up to $4.99 per transaction, $25 per month when qualified. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000When meeting qualifications in corresponding MyChoice Advantage or Plus Account. | 2.00% | $200 | When meeting qualifications in corresponding MyChoice Advantage or Plus Account. |
| Any balanceIf qualifications in corresponding MyChoice Advantage or Plus Account are not met. | 0.01% | $1 | If qualifications in corresponding MyChoice Advantage or Plus Account are not met. |
| Over $100,000On balances over $100,000 when meeting qualifications in corresponding MyChoice Advantage or Plus Account. | 0.25% | — | On balances over $100,000 when meeting qualifications in corresponding MyChoice Advantage or Plus Account. |
Share Savings
0.50%APY
Membership required ($5 share purchase). Daily compounding, quarterly dividends. Variable rate. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.50% | $50 |
Special-purpose accounts
Christmas Club
5.26%APY
Stated rate applies only to first $5,000 deposited; funds over $5,000 earn regular share dividend rate. Compounded daily, paid annually on November 1st. Account period November 1st - October 31st. Early withdrawals not permitted unless entire balance is withdrawn (no dividends paid on early withdrawals). At maturity funds transfer to primary share account or check mailed. Membership required. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $5,000Applies to first $5,000 deposited. Early withdrawals forfeit dividends.$5,000 – $5,000 | 5.26% | — | Applies to first $5,000 deposited. Early withdrawals forfeit dividends. |
MyChoice Club
5.26%APY
Must have a qualifying MyChoice account. Stated rate applies to balances up to $10,000; funds over $10,000 earn standard savings dividend rate. Dividends paid annually. Early withdrawals subject to $30 fee. No monthly service fees. Membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Requires a qualifying MyChoice account. Stated rate applies to balances up to $10,000; excess earns standard savings dividend rate. Early withdrawals subject to $30 fee.Up to $10,000 | 5.26% | $526 | Requires a qualifying MyChoice account. Stated rate applies to balances up to $10,000; excess earns standard savings dividend rate. Early withdrawals subject to $30 fee. |
Sources (1)
- mccu.net/club-accounts · captured Sep 19, 2026
Vacation Club
5.13%APY
Stated rate applies only to first $5,000 deposited; funds over $5,000 earn regular share dividend rate. Compounded daily, paid annually on June 1st. Account period June 1st - May 31st. Early withdrawals not permitted unless entire balance is withdrawn (no dividends paid on early withdrawals). At maturity funds transfer to primary share account or check mailed. Membership required. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $5,000Applies to first $5,000 deposited. Early withdrawals forfeit dividends.$5,000 – $5,000 | 5.13% | — | Applies to first $5,000 deposited. Early withdrawals forfeit dividends. |
HSA
2.33%APY
Compounded daily, dividends paid quarterly. Variable rate. No required minimum balance to avoid service fee. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 2.33% | $233 |
Sources (1)
- mccu.net/rates · captured Sep 19, 2026
IRA-Traditional or Roth
2.33%APY
Available as Traditional or Roth IRA. Compounded daily, dividends paid quarterly. Variable rate. No minimum deposit or maintenance fees. Membership required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 2.33% | $233 |
Who can join Members Choice Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or goes to school in 33 specified Eastern Kentucky counties is eligible for membership.
Employers and groups
- Any employee or retiree of a Very Important Partner is eligible for membership.
Family and household
- Any immediate family member of an existing Members Choice member is eligible for membership.
Membership information collected October 4, 2026.