Credit union · NCUA insured
Members First Credit Union Savings Rates
Members First Credit Union’s best savings rate is 0.15% APY on $10,000, with its High Yield. Rates checked October 22, 2026.
How Members First Credit Union’s savings rates compare
Compared with banks and credit unions near Brigham City, UT-ID, where Members First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members First Credit Union
0.15%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $15
High Yield
Top rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
2nd-highest rate
Goldenwest Credit Union
1.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $125
Members First Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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.
Savings Cents
0.25%APY
Requires a checking account; rounds up eligible checking transactions (debit card purchases, ACH’s, drafts, bill payments) to the next whole dollar and transfers change to a designated sub savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends pay monthly. Higher rate applies to designated Savings Cents sub savings account funded by round-up transfers.$5 and up | 0.25% | $25 | Dividends pay monthly. Higher rate applies to designated Savings Cents sub savings account funded by round-up transfers. |
Sources (4)
- memfirstcu.com/Deposit-Accounts
- memfirstcu.com/Rates
- memfirstcu.com/Savings-Cents
- memfirstcu.com/Global-Rates-Master-Page-Do-Not-Delete
All captured Oct 22, 2026
High Yield
0.15%APY
Higher return savings account without term restrictions; accessible online, by phone, or at branches.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upDividends pay monthly.$1,000 and up | 0.15% | $15 | Dividends pay monthly. |
Sources (3)
- memfirstcu.com/Deposit-Accounts
- memfirstcu.com/Rates
- memfirstcu.com/Global-Rates-Master-Page-Do-Not-Delete
All captured Oct 22, 2026
Budget Accounts
0.05%APY
Flexible options within Members First account for special savings needs such as a new car, college, vacations, or taxes.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends pay monthly.$5 and up | 0.05% | $5 | Dividends pay monthly. |
Sources (3)
- memfirstcu.com/Deposit-Accounts
- memfirstcu.com/Rates
- memfirstcu.com/Global-Rates-Master-Page-Do-Not-Delete
All captured Oct 22, 2026
Savings Account
0.05%APY
Membership requires completing an application, proper identification, and meeting eligibility requirements (living in Box Elder or Cache County, having an immediate family member with an account, or working at a Select Employee Group).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends pay monthly.$25 and up | 0.05% | $5 | Dividends pay monthly. |
Sources (3)
- memfirstcu.com/Deposit-Accounts
- memfirstcu.com/Rates
- memfirstcu.com/Global-Rates-Master-Page-Do-Not-Delete
All captured Oct 22, 2026
Special-purpose accounts
Christmas Club
0.15%APY
Designed to save during the year for holiday season. Funds are available October 1st – December 31st and accrue dividends year-round.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends pay monthly. Funds available October 1st – December 31st.$5 and up | 0.15% | $15 | Dividends pay monthly. Funds available October 1st – December 31st. |
Sources (3)
- memfirstcu.com/Deposit-Accounts
- memfirstcu.com/Rates
- memfirstcu.com/Global-Rates-Master-Page-Do-Not-Delete
All captured Oct 22, 2026
Individual Retirement Account (IRA)
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends pay monthly.$5 and up | 0.15% | $15 | Dividends pay monthly. |
Sources (3)
- memfirstcu.com/Deposit-Accounts
- memfirstcu.com/Rates
- memfirstcu.com/Global-Rates-Master-Page-Do-Not-Delete
All captured Oct 22, 2026
Who can join Members First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.