Credit union · NCUA insured
Members Cooperative Credit Union Savings Rates
Members Cooperative Credit Union’s best savings rate is 0.05% APY on $10,000, with its Secondary Savings Account. Rates checked October 16, 2026.
How Members Cooperative Credit Union’s savings rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Members Cooperative Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Cooperative Credit Union
0.75%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $75
Boosted Savings (MembersPlus Money Market)
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Members Cooperative Credit Union savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.75%
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 Cooperative 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.
Boosted Savings (MembersPlus Money Market)
0.75%APY
Boosted Savings accounts require at least two products from Members, one of which is an active checking account (a checking account with a minimum of 5 debits per month or recurring direct deposit(s) totaling a minimum of $500 per month). Also known as MembersPlus Money Market accounts. Daily balances of $2,500 or more earn interest; daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $99,999Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account. | 0.75% | $75 | Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account. |
| $100,000 – $249,999Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account. | 1.00% | — | Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account. |
| $250,000 – $999,999Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account. | 1.75% | — | Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account. |
| $1,000,000 and upDaily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account. | 2.00% | — | Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Requires at least two products from Members, one of which is an active checking account. |
Sources (1)
- membersccu.com/accounts/saving…-boosted-savings-account · captured Oct 5, 2026
Money Market Savings
0.25%APY
Membership required. Elevated savings for members with one or more products. Daily balances of $2,500 or more earn dividends/interest; daily balances below $2,500 do not earn interest. APY is variable and may change at any time. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. | 0.20% | — | Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. |
| $10,000 – $49,999Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. | 0.25% | $25 | Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. |
| $50,000 and upDaily balances below $2,500 do not earn interest. APY is variable and may change at any time. | 0.45% | — | Daily balances below $2,500 do not earn interest. APY is variable and may change at any time. |
Sources (1)
- membersccu.com/accounts/saving…-boosted-savings-account · captured Oct 5, 2026
Secondary Savings Account
0.05%APY
Membership required and subject to account requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open. Free to open with no monthly service charges or maintenance/transaction fees; other fees may apply. APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings.Any balance | 0.05% | $5 | No minimum balance to open. Free to open with no monthly service charges or maintenance/transaction fees; other fees may apply. APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings. |
Sources (1)
- membersccu.com/accounts/saving…econdary-savings-account · captured Oct 5, 2026
Share Savings Account
0.05%APY
Membership required and subject to account requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 minimum opening deposit. No monthly service charges. APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings.Any balance | 0.05% | $5 | $5 minimum opening deposit. No monthly service charges. APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings. |
Sources (1)
- membersccu.com/accounts/savings/share-savings-account · captured Oct 5, 2026
Special-purpose accounts
Education Savings Account (ESA)
0.35%APY
Membership required and subject to account requirements. Coverdell ESA eligibility, contributions, transfers and rollovers, withdrawals, and penalties are subject to applicable laws and regulations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo fee to open; no maintenance or transaction fees (other fees may apply). APY is variable and may change at any time. Fees may reduce earnings.Any balance | 0.35% | $35 | No fee to open; no maintenance or transaction fees (other fees may apply). APY is variable and may change at any time. Fees may reduce earnings. |
Sources (1)
- membersccu.com/accounts/invest…ducation-savings-account · captured Oct 5, 2026
IRA Savings Account
0.35%APY
Membership required and subject to account requirements. IRA eligibility, contributions, withdrawals, and penalties are subject to applicable laws and regulations. Available as Traditional (Share IRA), Roth (Share Roth), or SEP (Share SEP).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Share IRA, Share Roth, Share SEP and Share Education. APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings.Any balance | 0.35% | $35 | Applies to Share IRA, Share Roth, Share SEP and Share Education. APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings. |
Sources (1)
- membersccu.com/accounts/savings/ira-savings-account · captured Oct 5, 2026
Health Savings Account (HSA)
0.25%APY
Membership required and subject to account requirements. HSA eligibility, contributions, and withdrawals are subject to applicable laws and regulations.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings. | 0.20% | — | APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings. |
| $10,000 and upAPY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings. | 0.25% | $25 | APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings. |
Sources (1)
- membersccu.com/accounts/savings/health-savings-account · captured Oct 5, 2026
Youth Savings Account
0.05%APY
Membership required and subject to account requirements, including a parent or legal custodian joint owner requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 minimum opening balance. Dividends are paid and compounded quarterly. APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings.Any balance | 0.05% | $5 | $5 minimum opening balance. Dividends are paid and compounded quarterly. APY is variable and may change at any time; rate may change after account opening. Fees may reduce earnings. |
Sources (1)
- membersccu.com/accounts/youth/youth-savings-account · captured Oct 5, 2026
Who can join Members Cooperative Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, or attends school in specified Minnesota counties or Douglas County, Wisconsin.
Employers and groups
- Eligibility is open to past or present employees of Members Cooperative Credit Union or their family members.
Family and household
- Eligibility is open to spouses of members, or blood or adoptive relatives of either a member or their spouse.
Other ways
- Eligibility is open to anyone who owns a business or other legal entity within the specified counties.
Membership information collected October 4, 2026.