Credit union · NCUA insured
Memorial Credit Union Savings Rates
Memorial Credit Union’s best savings rate is 0.05% APY on $10,000, with its Share/Savings Account. Rates checked October 15, 2026.
How Memorial Credit Union’s savings rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Memorial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Memorial Credit Union
0.05%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $5
Share/Savings Account
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
Memorial Credit Union savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Memorial 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.
Share/Savings Account
0.05%APY
All members must open a share/savings account to become a member of the credit union. Requires two IDs (one State issued photo ID and a secondary ID) along with a $25.00 minimum balance deposit.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $500$25 to open | 0.01% | $25 | — |
| $500 – $10,000Unknown to open | 0.03% | Unknown | — |
| $10,000 and upUnknown to open | 0.05% | Unknown | $5 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Holiday/Christmas Club
0.01%APY
May periodically deposit into club account or sign up for direct deposit/payroll deduction. Christmas club checks are disbursed around the first week of November. Two withdrawals allowed per club term with no penalties; a $25.00 excessive withdrawal fee applies for the third and subsequent withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.01%APY
May periodically deposit into club account or sign up for direct deposit/payroll deduction. Payroll club checks are disbursed twice per year upon request. Two withdrawals allowed per club term with no penalties; a $25.00 excessive withdrawal fee applies for the third and subsequent withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (2)
All captured Sep 18, 2026
Who can join Memorial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Alexian Brothers (Alexian Brothers Community Services, Alexian Senior neighbors, Alexian Village and Alexian Grove) and its subsidiaries are eligible for membership.
- Persons working in Memorial Atrium Building are eligible for membership.
- Employees of this Credit Union are eligible for membership.
- Employees of Memorial Health Care Systems and its subsidiaries are eligible for membership.
- Physicians, Specialists and Staff who practice or work at Memorial facilities or whose offices are located in the Hospital or Medical Service, and other buildings owned by Memorial Hospital or its subsidiaries are eligible for membership.
- Medical Staff and Specialists employed by Memorial are eligible for membership.
4 more ways to join
Employers and groups
- Non-medical employees of or organized by Memorial Health Care System related to the prevention and treatment of diseases are eligible for membership.
- Employees of SCT Company are eligible for membership.
- Employees of the Tennessee Credit Union League and its subsidiaries are eligible for membership.
Family and household
- Members of the immediate family of eligible persons or organizations composed of the same general membership are eligible for membership.
Cost to join
- New members are required to open a Share account with a minimum deposit/balance of $25.00.
Membership information collected October 5, 2026.