Credit union · Privately insured
Members Preferred Credit Union Savings Rates
Top CarrotMembers Preferred Credit Union’s best savings rate is 4.08% APY on $10,000, with its Personal Money Market. Rates checked October 22, 2026.
How Members Preferred Credit Union’s savings rates compare
Compared with banks and credit unions near Idaho Falls, ID, where Members Preferred Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Preferred Credit Union
4.08%APY
- Minimum
- $0
- Earns on $10,000 a year
- $408
Personal Money Market
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
3rd-highest rate
ICCU
3.40%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
Members Preferred Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0004.08%
- $100,000 balance$100,0002.02%
- QualifiedQualified4.08%
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 Preferred 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.
Personal Money Market
4.08%APY
Six transactions allowed out of the account in a given month (by check, cash, pre-authorized, automatic transfer, telephone or electronic means). Account subject to applicable fees if limitations exceeded. Tiered dividend rates based on average daily balance at a split rate; paid monthly. Ability to write checks.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $1,000$0 to open | 0.00% | $0 | — |
| $1,000 – $5,000Unknown to open | 1.51% | Unknown | — |
| $5,000 – $50,000Unknown to open | 4.08% | Unknown | $408 |
| Over $50,000Unknown to open | 2.02% | Unknown | — |
Sources (2)
All captured Oct 3, 2026
Daily Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $300 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $5,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $20,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.10% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
Sources (1)
- memberspreferred.org/sharecd-rates · captured Oct 15, 2026
Dream Account
0.05%APY
Stop dreaming and start saving with our Dream Account. Keep your funds in a separate savings account for those special needs or occasions with no additional fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $300 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $5,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $20,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.10% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
Sources (2)
All captured Oct 15, 2026
Escrow Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $300 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $5,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $20,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.10% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
Sources (1)
- memberspreferred.org/sharecd-rates · captured Oct 15, 2026
Share Savings Accounts
0.05%APY
Low minimum balance requirement of $5.00. No monthly or annual fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $300 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $5,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $20,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.10% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Shares
0.15%APY
Typically these accounts are key components to one’s retirement plan and are an excellent way to meet your financial goals. Each type of IRA account has different rules that the account holder must satisfy to receive the tax advantage.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.15% | $15 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $20,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.15% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
Idaho Medical Savings Accounts
0.05%APY
No fee. Eligible for medical, vision, dental expenses, and transportation to/from medical appointments. Maximum contribution of $10,000.00 for single and $20,000.00 for married filing jointly (deductions taken on Idaho income tax return).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $300 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $5,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $20,000 and upDividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.10% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
Sources (2)
All captured Oct 15, 2026
Teen Account
0.05%APY
A teen account is for those ages 12 to 18 years old. This account helps our teen members build a healthy savings account, while learning the basics of a checking account. Teens can have online access to transfer and monitor their account from their smart phone or tablet.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $300Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $300 – $5,000Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $5,000 – $20,000Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $20,000 – $10,000,000Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.10% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
Sources (2)
All captured Oct 15, 2026
Youth Account
0.05%APY
This account is for our youngest member newborn to 12 years of age. Our goal is to encourage our young members to start saving early.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $300Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $300 – $5,000Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $5,000 – $20,000Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.05% | $5 | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
| $20,000 – $10,000,000Dividends paid monthly on a tiered structure based on average daily balance at a split rate. | 0.10% | — | Dividends paid monthly on a tiered structure based on average daily balance at a split rate. |
Sources (2)
All captured Oct 15, 2026
Who can join Members Preferred 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, or worship in eligible counties in Idaho or Wyoming can qualify for membership.
Family and household
- Immediate family members of current credit union members are eligible to join.
Membership information collected October 4, 2026.