Credit union · NCUA insured
MembersOwn Credit Union Savings Rates
Top CarrotMembersOwn Credit Union’s best savings rate is 0.65% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How MembersOwn Credit Union’s savings rates compare
Compared with banks and credit unions near Lincoln, NE, where MembersOwn Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MembersOwn Credit Union
0.65%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $65
Money Market Account
Top rate
Cornhusker Bank
3.46%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $346
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
MembersOwn Credit Union savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.01%
- 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 MembersOwn 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 Account
0.65%APY
Includes up to six free transactions per month ($5 per additional transaction). $10 monthly maintenance fee if balance falls below $5,000; waived with balances of $5,000 or more.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000No monthly maintenance fee with balances of $5,000 or more; $10 per month if balance falls below $5,000. | 0.00% | — | No monthly maintenance fee with balances of $5,000 or more; $10 per month if balance falls below $5,000. |
| $5,000 – $25,000No monthly maintenance fee with balances of $5,000 or more; $10 per month if balance falls below $5,000. | 0.65% | $65 | No monthly maintenance fee with balances of $5,000 or more; $10 per month if balance falls below $5,000. |
| $25,000 and upNo monthly maintenance fee with balances of $5,000 or more; $10 per month if balance falls below $5,000. | 1.01% | — | No monthly maintenance fee with balances of $5,000 or more; $10 per month if balance falls below $5,000. |
Share Savings Account
0.15%APY
Primary savings account establishing membership ownership with a $5 ownership share. Must maintain $5 minimum balance to remain a member.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upProspective rate for the 3rd quarter 2026. Dividends paid monthly.$5 and up | 0.15% | $15 | Prospective rate for the 3rd quarter 2026. Dividends paid monthly. |
Special-purpose accounts
Club Account
0.15%APY
Designed to help save for specific goals like vacations, holidays, or education. No minimum balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned and posted at the end of each calendar month.Any balance | 0.15% | $15 | Dividends earned and posted at the end of each calendar month. |
Individual Retirement Account (IRA)
0.15%APY
Offers Traditional and Roth IRA options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned and posted at the end of each calendar month.Any balance | 0.15% | $15 | Dividends earned and posted at the end of each calendar month. |
Sources (3)
All captured Oct 5, 2026
Who can join MembersOwn Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live in Southeast Nebraska are eligible for membership.
- Persons who attend school in Southeast Nebraska are eligible for membership.
- Persons who work in Southeast Nebraska are eligible for membership.
- Persons who worship in Southeast Nebraska are eligible for membership.
Employers and groups
- Persons who belong to an organization in Southeast Nebraska are eligible for membership.
Membership information collected October 4, 2026.