Credit union · NCUA insured
Members Community Credit Union Savings Rates
Members Community Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Members Community Credit Union’s savings rates compare
Compared with banks and credit unions near Muscatine, IA, where Members Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Community Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Nicolet National Bank
1.30%APY
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000 a year
- $130
Members Community Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.25%
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 Community 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
0.25%APY
There is a $2,500 minimum balance required to enjoy higher, tiered rates.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $10,000 | 0.20% | — |
| $10,000 – $50,000 | 0.25% | $25 |
| $50,000 – $100,000 | 0.30% | — |
| $100,000 and up | 0.35% | — |
Sources (2)
All captured Sep 18, 2026
Share/Savings
0.10%APY
Requires a minimum opening deposit of $5 which grants access to products/services. Automatic Payroll Deductions available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Share/Savings
0.30%APY
IRA savings account option offering Traditional and Roth IRA wrappers. Traditional IRA features tax-deductible contributions and tax-deferred earnings. Roth IRA features non-deductible contributions with tax-free withdrawals after 5 years and age 59 1/2 or qualifying event. Individual of any age with earned income is eligible to contribute.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (3)
- memberscommunitycu.org/deposit-rates
- memberscommunitycu.org/iras
- memberscommunitycu.org/savings-accounts
All captured Sep 18, 2026
MY Account - Members Youth
0.30%APY
For children 12 years old and younger. Limit one account per SSN. Coin cup match up to $25 (limit 1 per member per calendar year; must be in cup provided). Earn 1 prize token per deposit of $10 or more (limit 1 token per member per day).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor kiddos 12-years old and younger. Limit one per SSN.Any balance | 0.30% | $30 | For kiddos 12-years old and younger. Limit one per SSN. |
Sources (2)
All captured Sep 18, 2026
Christmas Club
0.25%APY
Save all year for holiday expenses. Balance and annual dividend automatically deposited into primary share account on November 1st. No cost for account; $5 fee per early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalance and annual dividend automatically deposited into primary share account on November 1st. $5 fee for each early withdrawal.Any balance | 0.25% | $25 | Balance and annual dividend automatically deposited into primary share account on November 1st. $5 fee for each early withdrawal. |
Sources (3)
- memberscommunitycu.org/club-accounts
- memberscommunitycu.org/deposit-rates
- memberscommunitycu.org/savings-accounts
All captured Sep 18, 2026
Health Savings Accounts
0.20%APY
Health Savings Account (HSA) to save tax-free against medical expenses and health care costs with a High Deductible Health Plan (HDHP). Deposits roll over and accumulate year to year. Includes free debit card and free online banking access 24/7 with eBranch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFree account with no minimums or initial deposit. A dividend rate of 0.20% annual percentage yield.Any balance | 0.20% | $20 | Free account with no minimums or initial deposit. A dividend rate of 0.20% annual percentage yield. |
Sources (1)
- memberscommunitycu.org/health-savings-accounts · captured Sep 18, 2026
Tax Club
0.10%APY
Save a little at a time and earn interest all year long to pay for taxes (property, income, etc.).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- memberscommunitycu.org/club-accounts
- memberscommunitycu.org/deposit-rates
- memberscommunitycu.org/savings-accounts
All captured Sep 18, 2026
Vacation Club
0.10%APY
Save for vacation while earning interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- memberscommunitycu.org/club-accounts
- memberscommunitycu.org/deposit-rates
- memberscommunitycu.org/savings-accounts
All captured Sep 18, 2026
Who can join Members Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Muscatine, Scott, Cedar, Johnson, Louisa counties in Iowa, or Rock Island County in Illinois are eligible for membership.
Employers and groups
- Current or retired employees of HNI Corporation are eligible for membership.
Family and household
- Immediate relatives of any current credit union member are eligible for membership.
Cost to join
- A refundable deposit of at least $5 into a savings account is required to establish membership and ownership share.
Membership information collected October 4, 2026.