Credit union · NCUA insured
Members First CU of Florida Savings Rates
Members First CU of Florida’s best savings rate is 0.30% APY on $10,000, with its Share Savings. Rates checked October 15, 2026.
How Members First CU of Florida’s savings rates compare
Compared with banks and credit unions near Pensacola, FL, where Members First CU of Florida has the most branches. $10,000, best rate first.
This credit union’s best
Members First CU of Florida
0.30%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $30
Share Savings
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Members First CU of Florida savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 CU of Florida 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.
Share Savings
0.30%APY
Requires purchasing and maintaining at least 1 share ($5.00 par value) for credit union membership. Dividends are compounded and credited monthly using the average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upA minimum average daily balance of $100.00 is required to earn the disclosed APY. A minimum average daily balance is required to avoid a service fee.$100 and up | 0.30% | $30 | A minimum average daily balance of $100.00 is required to earn the disclosed APY. A minimum average daily balance is required to avoid a service fee. |
Summer Savings
0.30%APY
Designed for school employees or general summer savings. Account is not accessible by check or automated teller machines. Dividends are compounded and credited monthly using the average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upA minimum average daily balance of $100.00 is required to earn the stated APY.$100 and up | 0.30% | $30 | A minimum average daily balance of $100.00 is required to earn the stated APY. |
Special-purpose accounts
Christmas Club
0.30%APY
The entire balance is transferred to another savings account on or after November 1 and the account remains open. Not accessible by check or ATM. A fee applies for withdrawals unless made within 7 days of opening. Dividends compounded and credited monthly using the average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upA minimum average daily balance of $100.00 is required to earn the stated APY.$100 and up | 0.30% | $30 | A minimum average daily balance of $100.00 is required to earn the stated APY. |
Who can join Members First CU of Florida
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside or work in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
Employers and groups
- Current, former, and retired employees or groups on retainer or holding a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid, or Cyanamid Employees Credit Union are eligible for membership.
- Groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial are eligible for membership.
Military, government and schools
- Members or associate members of the Escambia Retired Educators Association are eligible for membership.
- Active or retired employees of any educational institution in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
- Employees of the State of Florida who work in Escambia, Santa Rosa, Okaloosa, or Walton County, Florida are eligible for membership.
3 more ways to join
Military, government and schools
- Students or former students of any educational institution in Escambia, Santa Rosa or Okaloosa counties are eligible for membership.
Family and household
- Members of the immediate family of any eligible individual are eligible for membership.
Other ways
- All members of Florida State Employees Federal Credit Union as of the effective date of the merger into Members First Credit Union of Florida are eligible for membership.
Cost to join
- There is no membership fee to open an account; members must maintain a Regular Savings (Share) Account with a minimum balance of $5.00.
Membership information collected October 5, 2026.