Credit union · NCUA insured
Members Choice WV FCU Savings Rates
Members Choice WV FCU’s best savings rate is 0.40% APY on $10,000, with its Savings (Share) / Regular Share Savings. Rates checked October 22, 2026.
How Members Choice WV FCU’s savings rates compare
Compared with banks and credit unions near Charleston, WV, where Members Choice WV FCU has the most branches. $10,000, best rate first.
This credit union’s best
Members Choice WV FCU
0.40%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $40
Savings (Share) / Regular Share Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
West Virginia National Guard FCU
1.51%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $151
Members Choice WV FCU savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.40%
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 WV FCU 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.
Savings (Share) / Regular Share Savings
0.40%APY
An initial deposit of $25.00 in a Share (Savings) Account buys a share and makes member eligible for all other credit union products and services. Dividends calculated and paid quarterly on a split rate basis. Silver Savers feature available for members over 55 (receive one free box of checks per year). Ages 18+.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.30% | — |
| $10,000 – $20,000 | 0.40% | $40 |
| $20,000 and up | 0.50% | — |
Special-purpose accounts
Individual Retirement Account (IRA)
1.25%APY
Three IRA options available: Traditional IRA, Roth IRA, Education Savings Account (ESA). Dividends are paid and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional and Roth IRAs.Any balance | 1.25% | $125 | Applies to Traditional and Roth IRAs. |
Scotty Savers
0.40%APY
Youth account for children ages birth through 12 years and 11 months (Ages 0-12). Requires an individual over the age of 18 to be a joint owner. Earns the same dividends as regular Share (Savings) Accounts with $25.00 share deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Earns regular Share (Savings) dividend rate. | 0.30% | — | Earns regular Share (Savings) dividend rate. |
| $10,000 – $20,000Earns regular Share (Savings) dividend rate. | 0.40% | $40 | Earns regular Share (Savings) dividend rate. |
| $20,000 and upEarns regular Share (Savings) dividend rate. | 0.50% | — | Earns regular Share (Savings) dividend rate. |
Teen Savers
0.40%APY
Teen account for teenagers ages 13 through 17 years and 11 months (Ages 13-17). Requires an individual over the age of 18 to be a joint owner. Earns the same dividends as regular Share (Savings) Accounts with $25.00 share deposit. Eligible to add Share Draft Checking once member turns 16.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Earns regular Share (Savings) dividend rate. | 0.30% | — | Earns regular Share (Savings) dividend rate. |
| $10,000 – $20,000Earns regular Share (Savings) dividend rate. | 0.40% | $40 | Earns regular Share (Savings) dividend rate. |
| $20,000 and upEarns regular Share (Savings) dividend rate. | 0.50% | — | Earns regular Share (Savings) dividend rate. |
Who can join Members Choice WV FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.