Credit union · NCUA insured
Members First Credit Union Savings Rates
Members First Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Members First Credit Union’s savings rates compare
Compared with banks and credit unions near Corpus Christi, TX, where Members First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members First Credit Union
0.50%APY
- Requires
- None
- Minimum
- $3,000
- Earns on $10,000 a year
- $50
Money Market
Top rate
PlainsCapital Bank
3.40%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $340
2nd-highest rate
Rally Credit Union
3.30%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $330
Members First Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 First 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
0.50%APY
Interest is paid and compounded monthly on funds from the date of deposit to the date of withdrawal. Minimum balance of $3,000 is required to open.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $3,000 – $20,000 | 0.50% | $50 |
| $20,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 0.60% | — |
| $100,000 and up | 1.00% | — |
Change Saver
0.25%APY
Requires a Savings Account, a Checking Account, and a Visa Debit Card enrolled in the Change Saver program.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTransfers rounded-up change from Visa Debit Card purchases daily to enrolled Savings account. Earn a 5% bonus on transfers each month if 10 or more qualified Debit Card purchases post.Any balance | 0.25% | $25 | Transfers rounded-up change from Visa Debit Card purchases daily to enrolled Savings account. Earn a 5% bonus on transfers each month if 10 or more qualified Debit Card purchases post. |
Secondary Savings
0.25%APY
No monthly service fees. No minimum balance requirement. Once membership is established, additional savings accounts may be opened with no minimum opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn the stated APY is $100.00. No minimum opening deposit once membership is established.$100 and up | 0.25% | $25 | Minimum balance to earn the stated APY is $100.00. No minimum opening deposit once membership is established. |
Sources (3)
All captured Oct 16, 2026
Share Savings
0.25%APY
Requires opening a Regular Savings Account (a share) with a $1.00 minimum deposit to establish and maintain membership. No monthly fees. Dividends are set at the end of each quarter for the previous quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends earned on balance of $100.00 or more. Set at the end of each quarter for the previous quarter. $1.00 minimum opening deposit to establish membership.$100 and up | 0.25% | $25 | Dividends earned on balance of $100.00 or more. Set at the end of each quarter for the previous quarter. $1.00 minimum opening deposit to establish membership. |
Special-purpose accounts
IRA Savings
0.90%APY
Members First offers both Traditional and Roth IRAs with monthly dividends compounding over time. No setup or maintenance fees. Once membership is established, additional savings accounts may be opened with no minimum opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable as Traditional and Roth IRAs. Monthly dividends compound over time. No setup or maintenance fees. Minimum balance to earn stated APY is $0.00. No minimum opening deposit once membership is established.Any balance | 0.90% | $90 | Available as Traditional and Roth IRAs. Monthly dividends compound over time. No setup or maintenance fees. Minimum balance to earn stated APY is $0.00. No minimum opening deposit once membership is established. |
Kids Club Savings
0.25%APY
Designed for children ages 12 and under. A $1 minimum opening deposit is required to establish membership. No monthly fees. Dividends are set at the end of each quarter for the previous quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upFor children ages 12 and under. Dividends earned on the balance of $25.00 or more. Set at the end of each quarter for the previous quarter.$25 and up | 0.25% | $25 | For children ages 12 and under. Dividends earned on the balance of $25.00 or more. Set at the end of each quarter for the previous quarter. |
Who can join Members First 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 individuals who live in either Nueces County or Cameron County.
- Eligibility is open to individuals who work in either Nueces County or Cameron County.
Family and household
- Eligibility is open via Existing Family Member Referral.
Membership information collected October 5, 2026.