Credit union · NCUA insured
Members1st Community Credit Union Savings Rates
Top CarrotMembers1st Community Credit Union’s best savings rate is 1.16% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Members1st Community Credit Union’s savings rates compare
Compared with banks and credit unions near Ames, IA, where Members1st Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Members1st Community Credit Union
1.16%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $116
Money Market Savings
Top rate
Central State Bank
2.50%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $250
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Members1st Community Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.16%
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 Members1st Community 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.
Money Market Savings
1.16%APY
Minimum of $2,500 to open and earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Minimum of $2,500 to earn dividends. | 1.01% | — | Minimum of $2,500 to earn dividends. |
| $10,000 – $25,000Minimum of $2,500 to earn dividends. | 1.16% | $116 | Minimum of $2,500 to earn dividends. |
| $25,000 – $50,000Minimum of $2,500 to earn dividends. | 1.56% | — | Minimum of $2,500 to earn dividends. |
| $50,000 – $100,000Minimum of $2,500 to earn dividends. | 1.76% | — | Minimum of $2,500 to earn dividends. |
| $100,000 – $200,000Minimum of $2,500 to earn dividends. | 2.02% | — | Minimum of $2,500 to earn dividends. |
| $200,000 and upMinimum of $2,500 to earn dividends. | 2.27% | — | Minimum of $2,500 to earn dividends. |
Sources (2)
All captured Sep 18, 2026
LIQUIDITY1st
0.50%APY
Checks are available with these accounts, but they are not intended for primary checking account use. Minimum of $1,000 to earn dividends.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $1,000 – $10,000Minimum of $1,000 to earn dividends. · Unknown to open | 0.50% | Unknown | — | Minimum of $1,000 to earn dividends. |
| $10,000 – $25,000Unknown to open | 0.50% | Unknown | $50 | |
| $25,000 – $50,000$1,000 to open | 0.50% | $1,000 | — | |
| $50,000 and upUnknown to open | 0.70% | Unknown | — |
Set-a-Goal Savings
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum to earn dividends.Any balance | 0.15% | $15 | No minimum to earn dividends. |
Sources (1)
- members1st.com/savings-rates · captured Oct 7, 2026
Share Savings
0.10%APY
Primary share savings account establishes MEMBERS1st membership with a minimum $5 deposit. Minimum of $100 to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Minimum of $100 to earn dividends. | 0.10% | — | Minimum of $100 to earn dividends. |
| $100 – $1,000 | 0.10% | — | |
| $1,000 – $10,000 | 0.10% | — | |
| $10,000 – $25,000 | 0.10% | $10 | |
| $25,000 – $50,000 | 0.10% | — |
Virtual Coin Jar
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum to earn dividends.Any balance | 0.10% | $10 | No minimum to earn dividends. |
Sources (2)
All captured Oct 7, 2026
Special-purpose accounts
Health Savings Account
0.50%APY
Must be enrolled in a high-deductible health insurance plan, be 18 years old or older, not listed as a tax dependent, and not covered by another health insurance plan including Medicare.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be enrolled in a high-deductible health insurance plan and be age 18+ to open.Any balance | 0.50% | $50 | Must be enrolled in a high-deductible health insurance plan and be age 18+ to open. |
Sources (2)
All captured Oct 7, 2026
IRA Share Savings
0.30%APY
Non-invested IRA share savings available in Traditional IRA (tax-deferred earnings, possible tax deduction) and Roth IRA (tax-free growth and distributions). No penalties or restrictions for withdrawals after age 59 1/2.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum to earn dividends.Any balance | 0.30% | $30 | No minimum to earn dividends. |
Sources (2)
All captured Oct 7, 2026
Holiday Club
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum to earn dividends.Any balance | 0.15% | $15 | No minimum to earn dividends. |
Sources (1)
- members1st.com/savings-rates · captured Oct 7, 2026
Closed to new customers
Secondary Shares
0.10%APY
Must be an existing member to open secondary savings accounts. Minimum of $50 to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum of $50 to earn dividends. | 0.10% | — | Minimum of $50 to earn dividends. |
| Up to $1,000 | 0.10% | — | |
| $1,000 – $10,000 | 0.10% | — | |
| $10,000 – $25,000 | 0.10% | $10 | |
| $25,000 – $50,000 | 0.10% | — |
Who can join Members1st Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business entities with a place of business in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, or Webster counties in Iowa are eligible to join.
- Individuals who live, attend school, worship, or work for any entity in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, and Webster counties in Iowa are eligible to join.
Family and household
- Family members of existing members are eligible to join.
Cost to join
- Joining requires completing and submitting a membership application along with a $5 deposit into a basic share savings account.
Membership information collected October 4, 2026.