Credit union · NCUA insured
Members Credit Union Savings Rates
Top CarrotMembers Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Members Credit Union’s savings rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Credit Union
0.75%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Truliant Federal Credit Union
3.40%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Members Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.87%
- 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 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 Account
0.75%APY
Minimum balance of $500 to open and earn money market rate. If average daily balance falls between $25 and $500, dividends paid at regular savings rate. If balance is below $25, no dividends paid and a low balance fee is charged. No penalty for withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 – $49,999 | 0.75% | $75 |
| $50,000 – $99,999 | 1.41% | — |
| $100,000 – $249,999 | 1.87% | — |
| $250,000 and up | 2.07% | — |
MyFi Savings and Savings Quest
0.75%APY
Savings accounts require $25.00 to open. All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAll share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.$25 and up | 0.75% | $75 | All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings. |
Sources (1)
- memcu.com/membership/rates · captured Oct 4, 2026
Regular Savings Account
0.75%APY
Requires membership with Members CU. Savings accounts require $25.00 to open. $3 monthly fee waived with an average daily balance of $25 or more each month. All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upKeep an average daily balance of $25 or more each month to earn dividends and have the $3 monthly fee waived.$25 and up | 0.75% | $75 | Keep an average daily balance of $25 or more each month to earn dividends and have the $3 monthly fee waived. |
Sources (3)
All captured Oct 4, 2026
Special-purpose accounts
Super 60 Savings
0.75%APY
Exclusively for Members CU members who are 60 years of age or older. The minimum balance for a Super 60 is $600. If average balance falls below $600, dividend is computed at the Regular Savings Account Rate. Must have at least $25 on the last day of the month to avoid low balance fee. Two withdrawals per month without cost; excess withdrawal fee applies beginning with the third withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $600 – $49,999Requires membership and age 60 or older. If average balance falls below $600, dividend is computed at the Regular Savings Account Rate. | 0.75% | $75 | Requires membership and age 60 or older. If average balance falls below $600, dividend is computed at the Regular Savings Account Rate. |
| $50,000 – $99,999Requires membership and age 60 or older. | 1.51% | — | Requires membership and age 60 or older. |
| $100,000 – $249,999Requires membership and age 60 or older. | 1.97% | — | Requires membership and age 60 or older. |
| $250,000 and upRequires membership and age 60 or older. | 2.27% | — | Requires membership and age 60 or older. |
Sources (3)
All captured Oct 4, 2026
Individual Retirement Account (Shares)
1.16%APY
Offers Traditional IRA, Roth IRA, and Coverdell Education Savings Account (ESA) share savings accounts. Savings accounts require $25.00 to open. All share accounts earn 0.00% APY when average daily balance is below $25.00. Rates apply to Regular, Roth, and Educational IRAs.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRates apply to Regular, Roth, and Educational IRAs. All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.$25 and up | 1.16% | $116 | Rates apply to Regular, Roth, and Educational IRAs. All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings. |
Sources (3)
All captured Oct 4, 2026
Trust/Custodian Accounts
0.75%APY
Savings accounts require $25.00 to open. All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAll share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.$25 and up | 0.75% | $75 | All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings. |
Christmas Club Account
0.30%APY
Must be a member to open. Can open with no initial deposit provided payroll deductions are set up for regular deposits; otherwise, a $25 deposit is required. Dividends are paid any month average daily balance is $25 or more. During the first week of November, funds are transferred to Savings or Checking or remain if rolled over.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$0 initial deposit if funded through payroll deduction, otherwise $25 initial deposit required. Dividends paid any month average daily balance is $25 or more.$25 and up | 0.30% | $30 | $0 initial deposit if funded through payroll deduction, otherwise $25 initial deposit required. Dividends paid any month average daily balance is $25 or more. |
Sources (3)
- memcu.com/deposit/christmas-vacation-savings-club
- memcu.com/membership/rates
- memcu.com/s/Rate-Sheet-2026-tchz.pdf
All captured Oct 4, 2026
Vacation Club Account
0.30%APY
Must be a member to open. No initial deposit required if funded through payroll deduction; otherwise, a $25 initial deposit is required. Account earns dividends every month the balance meets the $25 minimum requirement. Does not disburse funds automatically.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and up$0 initial deposit if funded through payroll deduction, otherwise $25 initial deposit required. Account earns dividends every month balance meets the $25 minimum balance requirement.$25 and up | 0.30% | $30 | $0 initial deposit if funded through payroll deduction, otherwise $25 initial deposit required. Account earns dividends every month balance meets the $25 minimum balance requirement. |
Sources (2)
All captured Oct 4, 2026
Who can join Members 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, work, worship, or learn in Surry, Wilkes, or Yadkin County are eligible to join.
- Individuals who live, work, worship, or learn in Sampson or Duplin County are eligible to join.
- Individuals who live, work, worship, or learn in Gaston County are eligible to join.
- Individuals who live, work, worship, or learn in a 25-mile radius of Hope Mills, NC are eligible to join.
- Individuals who live, work, worship, or learn in Iredell County are eligible to join.
Employers and groups
- Members of an affiliate association of MCU are eligible to join.
2 more ways to join
Employers and groups
- Employees or retirees of a Sponsor Company are eligible to join.
Family and household
- Relatives/family members of a current Members CU member (spouses, parents, grandparents, children, grandchildren, brothers, and sisters, including step relations) are eligible to join.
Cost to join
- Membership is free.
Membership information collected October 4, 2026.