MembersFirst Credit Union Savings & Money Market Rates

How MembersFirst Credit Union’s savings rates compare

Compared with banks and credit unions near Atlanta, GA, where MembersFirst Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
MembersFirst Credit Union
1.32%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$132
Money Market
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
American Pride Bank
5.00%APY
Requires
Monthly account activity
Minimum
$50
Earns on $10,000 a year
$500
American Pride Bank rates

Compare savings rates near you →

Savings score

Higher than 81% of U.S. banks and credit unions

By balance

$1,000 balance$1,0001.27%
$10,000 balance$10,0001.32%
$100,000 balance$100,0001.82%
QualifiedQualified1.32%

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.

How the score works →

Where MembersFirst 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

1.32%APY

Tiered rate program based on Average Daily Balance. A minimum balance fee is incurred if average monthly balance falls below $1,000.00. Up to 6 debit transactions per month, 3 of which can be by check.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $1,000Interest paid monthly; tiered rates based on Average Daily Balance.	1.27%	—	Interest paid monthly; tiered rates based on Average Daily Balance.
$1,000 – $10,000Interest paid monthly; tiered rates based on Average Daily Balance.	1.27%	—	Interest paid monthly; tiered rates based on Average Daily Balance.
$10,000 – $25,000Interest paid monthly; tiered rates based on Average Daily Balance.	1.32%	$132	Interest paid monthly; tiered rates based on Average Daily Balance.
$25,000 – $50,000Interest paid monthly; tiered rates based on Average Daily Balance.	1.52%	—	Interest paid monthly; tiered rates based on Average Daily Balance.
$50,000 – $100,000Interest paid monthly; tiered rates based on Average Daily Balance.	1.70%	—	Interest paid monthly; tiered rates based on Average Daily Balance.
$100,000 and upInterest paid monthly; tiered rates based on Average Daily Balance.	1.82%	—	Interest paid monthly; tiered rates based on Average Daily Balance.

Sources (2)

All captured Sep 19, 2026

Membership Savings

0.20%APY

Maintain a required minimum balance of $5. Interest earned on balances over $100.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceInterest on balances over $100. Required minimum balance of $5 to maintain account.Any balance	0.20%	$20	Interest on balances over $100. Required minimum balance of $5 to maintain account.

Sources (2)

All captured Sep 19, 2026

Special Savings

0.20%APY

No minimum balance requirement.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.20%	$20

Sources (2)

All captured Sep 19, 2026

Special-purpose accounts

Educational IRA Savings

0.30%APYIRA

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.30%	$30

Sources (1)

membersfirstga.com/rates/savings-rates/ira-savings · captured Sep 19, 2026

Roth IRA Savings

0.30%APYIRA

Contributions allowed at any age subject to MAGI eligibility limits. Earnings and distributions may be tax-free.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.30%	$30

Sources (2)

All captured Sep 19, 2026

Traditional IRA Savings

0.30%APYIRA

Allows account opening with any balance chosen. Tax-deferred earnings, contributions may be deductible based on eligibility and MAGI. Early withdrawal penalty may apply before age 59.5.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.30%	$30

Sources (2)

All captured Sep 19, 2026

Christmas Club Savings

0.25%APYClub

Funds plus interest are transferred into Membership Savings account on the first Wednesday in November. No required minimum balance. Dividends paid on balances of $100 or more.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends paid on balances of $100 or more. Transferred to Membership Savings on first Wednesday in November.Any balance	0.25%	$25	Dividends paid on balances of $100 or more. Transferred to Membership Savings on first Wednesday in November.

Sources (2)

All captured Sep 19, 2026

CU Succeed Savings

0.21%APYKids and teens

For members between ages 13 and 22. Free savings account for participants under age 16.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceFor members between ages 13 and 22.Any balance	0.21%	$21	For members between ages 13 and 22.

Sources (3)

All captured Sep 19, 2026

MembersFirst 55+ Savings

0.21%APYSeniors

For members who are 55 years or better. Maintain a balance of at least $5 at all times to keep account open.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceMust be 55 years of age or older. Maintain balance of at least $5.Any balance	0.21%	$21	Must be 55 years of age or older. Maintain balance of at least $5.

Sources (2)

All captured Sep 19, 2026

Savasaurus Club Savings

0.21%APYKids and teens$5 to open

For children 12 years old and younger who are child/grandchild of a current member. Opening deposit of $5.00. No membership fee. One withdrawal per month allowed ($10 fee for additional debit transactions). Dividends earned on deposits of $25.00 and higher. Cannot withdraw funds below $5.00 minimum balance.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceFor children age 12 and under (child/grandchild of a member). Earn dividends on deposits of $25.00 and higher. 1 withdrawal per month allowed.Any balance	0.21%	$21	For children age 12 and under (child/grandchild of a member). Earn dividends on deposits of $25.00 and higher. 1 withdrawal per month allowed.

Sources (3)

All captured Sep 19, 2026

Who can join MembersFirst Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Membership is open to individuals who live or work in Bryan County, Chatham County, Cobb County, DeKalb County, Douglas County, Effingham County, Paulding County, or the City of Sandy Springs, GA.

Employers and groups

Membership is open to employees, students, and members of select partner schools, businesses, healthcare facilities, and community organizations.
Membership is open to employees of WellStar Health System and affiliated groups, Emory Healthcare Decatur, Piedmont Healthcare and affiliates, and St. Joseph's/Candler Healthcare.

Military, government and schools

Membership is open to employees of Douglas County Board of Education, Paulding County Board of Education, and Savannah State University in Georgia.

Family and household

Membership is open to family members of eligible individuals.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← MembersFirst Credit Union overview

How MembersFirst Credit Union’s savings rates compare

MembersFirst Credit Union savings score

Current savings rates

Money Market

Membership Savings

Special Savings

Special-purpose accounts

Educational IRA Savings

Roth IRA Savings

Traditional IRA Savings

Christmas Club Savings

CU Succeed Savings

MembersFirst 55+ Savings

Savasaurus Club Savings

Who can join MembersFirst Credit Union

Where you live or work

Employers and groups

Military, government and schools

Family and household