Credit union · NCUA insured
Members Credit Union Savings Rates
Members Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Members Credit Union’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Credit Union
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Members Credit Union savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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 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
1.00%APY
Minimum opening balance of $2,500. Five tiers of earning power. No account fee. Six free withdrawals per quarter. Must maintain disclosed minimum average daily balance in account during dividend period to obtain disclosed APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. | 0.00% | — | Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. |
| $2,500 – $9,999Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. | 1.00% | — | Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. |
| $10,000 – $24,999Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. | 1.00% | $100 | Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. |
| $25,000 – $49,999Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. | 1.00% | — | Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. |
| $50,000 – $99,999Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. | 1.00% | — | Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. |
| $100,000 and upCompounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. | 1.00% | — | Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance. |
Sources (2)
All captured Sep 17, 2026
Savings
0.75%APY
Holds membership shares. Six free withdrawals per quarter. No service fee with total balances in all MCU accounts of $100 or more. Must maintain disclosed minimum average daily balance during dividend period to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 – $9,999Dividends paid/compounded quarterly on balances of $250 or more. | 0.75% | — | Dividends paid/compounded quarterly on balances of $250 or more. |
| $10,000 and upDividends paid/compounded quarterly on balances of $250 or more. | 0.75% | $75 | Dividends paid/compounded quarterly on balances of $250 or more. |
Sources (2)
All captured Sep 17, 2026
Special Savings
0.75%APY
No account fee. Six free withdrawals per quarter. Existing members can open through Virtual Branch or visit a branch. Must maintain disclosed minimum average daily balance during dividend period to obtain APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upDividends paid/compounded quarterly on balances over $500 ($500 & Over).$500 and up | 0.75% | $75 | Dividends paid/compounded quarterly on balances over $500 ($500 & Over). |
Sources (2)
All captured Sep 17, 2026
Special-purpose accounts
Dollar Dog Kids Club
0.75%APY
For kids ages 12 and younger. Standard membership fee is waived. No monthly service fee. Must maintain disclosed minimum average daily balance during dividend period to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Dividends paid and compounded quarterly. | 0.75% | — | Dividends paid and compounded quarterly. |
| $10,000 – $24,999Dividends paid and compounded quarterly. | 0.75% | $75 | Dividends paid and compounded quarterly. |
| $25,000 and upDividends paid and compounded quarterly. | 0.75% | — | Dividends paid and compounded quarterly. |
Sources (3)
- memberscreditunion.com/accounts/youth
- memberscreditunion.com/rates
- memberscreditunion.com/accounts/savings
All captured Sep 17, 2026
Christmas Club
0.50%APY
Deposits allowed all year round, withdrawals once a year. Fees for closing account or making early withdrawals. Balance is transferred to RealRate Savings on October 1st after dividends post. Must maintain disclosed minimum average daily balance during dividend period to obtain APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20 and upDividends paid and compounded annually.$20 and up | 0.50% | $50 | Dividends paid and compounded annually. |
Sources (2)
All captured Sep 17, 2026
IRA/Roth/Education Savings
0.50%APY
Available in Roth and Traditional IRAs or Educational Savings Account (ESA). Must maintain disclosed minimum average daily balance during dividend period to obtain APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid and compounded quarterly.Over $0 | 0.50% | $50 | Dividends paid and compounded quarterly. |
Sources (3)
- memberscreditunion.com/rates
- memberscreditunion.com/accounts/iras
- memberscreditunion.com/accounts/savings
All captured Sep 17, 2026
Health Savings Accounts
0.05%APY
Must maintain disclosed minimum average daily balance during dividend period to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $499 | 0.05% | — |
| $500 – $2,499 | 0.05% | — |
| $2,500 – $4,999 | 0.05% | — |
| $5,000 – $14,999 | 0.05% | $5 |
| $15,000 and up | 0.05% | — |
Sources (1)
- memberscreditunion.com/rates · captured Sep 17, 2026
Who can join Members Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.