Credit union · NCUA insured
Members Plus Credit Union Savings Rates
Top CarrotMembers Plus Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Members Plus Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Members Plus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Plus Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
Money Market
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Members Plus Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0003.50%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0000.40%
- QualifiedQualified3.50%
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 Plus 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.
High Five Money Market Account
3.50%APY on $10,000
Blended rate account. Balances over $50,000 match the dividend rates and APYs of Money Market, WINN, Members Money Market, and W.E. Win Accounts. Funds must be new money (deposited for the first time or not on deposit at MPCU within the last 30 calendar days; recurring direct deposits or other ACH do not qualify). Limited to one account per member. A $5.00 Membership Account is required.
| Part of the balance | Rate on that part |
|---|---|
| Up to $50,000 | 3.45% |
On $10,000 the tiers blend to about 3.50% APY, earning $350 a year.
Sources (3)
- info.memberspluscu.org/high-five-money-market
- memberspluscu.org/personal-ban…s-solutions/money-market
- memberspluscu.org/rates
All captured Oct 16, 2026
Money Market
0.25%APY
Unlimited deposits; transfers or withdrawals by pre-authorized, automatic, telephone, computer transfer, check, or draft are limited to six per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.20% | — |
| $1,000 – $9,999 | 0.20% | — |
| $10,000 – $24,999 | 0.25% | $25 |
| $25,000 and up | 0.40% | — |
Sources (2)
All captured Oct 16, 2026
Additional Share Account
0.10%APY
Federal banking regulations limit certain transfers/withdrawals to six per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees or other conditions may reduce earnings.Any balance | 0.10% | $10 | Fees or other conditions may reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Main Share Account
0.10%APY
Required for all members of Members Plus Credit Union. Federal banking regulations limit certain transfers/withdrawals to six per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees or other conditions may reduce earnings.Any balance | 0.10% | $10 | Fees or other conditions may reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
W.E. Win Club Account
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. | 0.20% | — | The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. |
| $1,000 – $9,999The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. | 0.20% | — | The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. |
| $10,000 – $24,999The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. | 0.25% | $25 | The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. |
| $25,000 and upThe APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. | 0.40% | — | The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. |
Sources (1)
- memberspluscu.org/rates · captured Oct 5, 2026
Wiin Club
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Fees or other conditions may reduce earnings. | 0.20% | — | Fees or other conditions may reduce earnings. |
| $1,000 – $9,999Fees or other conditions may reduce earnings. | 0.20% | — | Fees or other conditions may reduce earnings. |
| $10,000 – $24,999Fees or other conditions may reduce earnings. | 0.25% | $25 | Fees or other conditions may reduce earnings. |
| $25,000 and upFees or other conditions may reduce earnings. | 0.40% | — | Fees or other conditions may reduce earnings. |
Sources (1)
- memberspluscu.org/rates · captured Oct 5, 2026
Holiday Club
0.10%APY
The Holiday Club pays out in October each year. Federal banking regulations limit certain transfers/withdrawals to six per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees or other conditions may reduce earnings.Any balance | 0.10% | $10 | Fees or other conditions may reduce earnings. |
Sources (2)
All captured Oct 5, 2026
IRA Share Account
0.10%APY
Penalty may apply for early withdrawal. Federal banking regulations limit certain transfers/withdrawals to six per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees or other conditions may reduce earnings. Penalty may apply for early withdrawal.Any balance | 0.10% | $10 | Fees or other conditions may reduce earnings. Penalty may apply for early withdrawal. |
Sources (2)
All captured Oct 5, 2026
Vacation Club
0.10%APY
Can be opened at any time during the year. Federal banking regulations limit certain transfers/withdrawals to six per statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFees or other conditions may reduce earnings.Any balance | 0.10% | $10 | Fees or other conditions may reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Who can join Members Plus 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 or work in Essex, Middlesex, Norfolk, Plymouth, or Suffolk counties are eligible for membership.
Employers and groups
- Employees, retirees, and family members of the Eversource Companies, Exelon, and Entergy are eligible for membership.
Family and household
- Relatives and domestic partners of existing members—including spouses, children, siblings, parents, grandparents, and in-laws—are eligible for membership.
Other ways
- Individuals who belong to a religious or social organization located in Essex, Middlesex, Norfolk, Plymouth, or Suffolk counties are eligible to join.
Cost to join
- Membership requires opening a Savings (Share) Account with a $5 deposit.
Membership information collected October 5, 2026.