Credit union · NCUA insured
Members Trust Federal Credit Union Savings Rates
Top CarrotMembers Trust Federal Credit Union’s best savings rate is 0.65% APY on $10,000, with its Super Saver Money Market. Rates checked October 16, 2026.
How Members Trust Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Members Trust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members Trust Federal Credit Union
0.65%APY
- Earns on $10,000 a year
- $65
Super Saver Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Earns on $10,000 a year
- $400
Members Trust Federal Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.06%
- QualifiedQualified0.65%
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 Trust Federal 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.
Super Saver Money Market
0.65%APY
Rates as of 10/06/2026. Monthly service charge of $5.00 applies if balance is less than $500 at end of cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Balance less than $500.00. | 0.00% | — | Balance less than $500.00. |
| $500 – $25,000Balance between $500.00 and $24,999.99. | 0.65% | $65 | Balance between $500.00 and $24,999.99. |
| $25,000 – $50,000Balance between $25,000.00 and $49,999.99. | 0.70% | — | Balance between $25,000.00 and $49,999.99. |
| $50,000 – $100,000Balance between $50,000.00 and $99,999.99. | 0.90% | — | Balance between $50,000.00 and $99,999.99. |
| $100,000 – $200,000Balance between $100,000.00 and $199,999.99. | 1.06% | — | Balance between $100,000.00 and $199,999.99. |
| $200,000 – $5,000,000Balance between $200,000.00 and $4,999,999.99. | 1.21% | — | Balance between $200,000.00 and $4,999,999.99. |
| $5,000,000 and upBalance $5,000,000.00 and over. | 1.76% | — | Balance $5,000,000.00 and over. |
Sources (3)
- mtfcu.coop
- mtfcu.coop/products-services/c…super-saver-money-market
- mtfcu.coop/become-a-member/rates-fees
All captured Oct 9, 2026
Premier Savings
0.50%APY
Rates for July, August, and September 2026. APY and APR are subject to change; fees may reduce potential earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies to balances < $500.00. | 0.00% | — | Applies to balances < $500.00. |
| $500 – $25,000 | 0.50% | $50 | |
| $25,000 – $50,000 | 0.60% | — | |
| $50,000 – $100,000 | 0.75% | — | |
| $100,000 – $200,000 | 0.90% | — | |
| $200,000 and up | 1.00% | — |
Sources (1)
- mtfcu.coop/become-a-member/rates-fees · captured Oct 16, 2026
Cattle Accounts
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- mtfcu.coop/become-a-member/rates-fees · captured Oct 16, 2026
Share (Savings)
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.30%APY
Must be covered by a high deductible healthcare plan to be eligible.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 – $100,000 | 0.55% | — |
| $100,000 – $200,000 | 0.65% | — |
| $200,000 and up | 0.75% | — |
Sources (2)
All captured Oct 16, 2026
IRA Savings
0.30%APY
Offers Traditional IRA, Roth IRA, Coverdell Education Savings Accounts, and Simplified Employee Pension (SEP) plan options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 – $25,000 | 0.30% | $30 |
| $25,000 – $50,000 | 0.45% | — |
| $50,000 – $100,000 | 0.55% | — |
| $100,000 – $200,000 | 0.65% | — |
| $200,000 and up | 0.75% | — |
Sources (2)
All captured Oct 16, 2026
Christmas Club
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWithdrawals made between January 1 - October 31 subject to a $5.00 fee per withdrawal.Any balance | 0.20% | $20 | Withdrawals made between January 1 - October 31 subject to a $5.00 fee per withdrawal. |
Sources (2)
All captured Oct 16, 2026
Vacation Club
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (2)
All captured Oct 16, 2026
Youth Accounts
0.20%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDesigned specifically for those up to 12 years old. Most accounts can be opened with as little as $5.Any balance | 0.20% | $20 | Designed specifically for those up to 12 years old. Most accounts can be opened with as little as $5. |
Sources (2)
All captured Oct 16, 2026
Who can join Members Trust Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who works, lives, worships, or attends school in Erath County, Texas.
- Open to anyone who works, lives, worships, or attends school in Houston’s Underserved area.
- Open to anyone who works, lives, worships, or attends school in Oklahoma zip codes 73102, 73106, 73107, 73108, 73109, 73119, 73129, 73139, 73149, and 73159.
Employers and groups
- Open to employees and family members of employees of listed Select Employee Groups (SEGs).
- Open to existing members of, or anyone who agrees to join, the Tomball Memorial FFA Booster Club.
Family and household
- Open to individuals related to an existing MTFCU member by blood, marriage, adoption, or who share a household with an existing MTFCU member.
Cost to join
- Requires a $5.00 deposit into a Share Account held for the duration of membership.
Membership information collected October 5, 2026.