Credit union · NCUA insured
Memorial Credit Union Savings Rates
Memorial Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market Checking. Rates checked October 17, 2026.
How Memorial Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Memorial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Memorial Credit Union
0.15%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $15
Money Market Checking
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Memorial Credit Union savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
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.
Money Market Checking
0.15%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| $2,500 – $20,000$5,000 to open | 0.15% | $5,000 | $15 |
| $20,000 – $50,000Unknown to open | 0.20% | Unknown | — |
| $50,000 and upUnknown to open | 0.25% | Unknown | — |
Sources (1)
- memorialcu.org/share-rates · captured Sep 25, 2026
Primary Shares
0.03%APY
Initial $5.00 deposit required to open. Dividends are compounded and paid quarterly on average daily balance. $200.00 minimum balance required to earn APY. Up to 2 savings withdrawals per month free; account transfer and withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $20,000Dividends earned on average daily balance and paid quarterly. | 0.03% | $3 | Dividends earned on average daily balance and paid quarterly. |
| $20,000 – $50,000Dividends earned on average daily balance and paid quarterly. | 0.05% | — | Dividends earned on average daily balance and paid quarterly. |
| $50,000 and upDividends earned on average daily balance and paid quarterly. | 0.07% | — | Dividends earned on average daily balance and paid quarterly. |
Sources (4)
- memorialcu.org/services/savings
- memorialcu.org/share-rates
- memorialcu.org/share-savings
- memorialcu.org/wp-content/uplo…gs_Funds_Availabilty.pdf
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
0.20%APY
Variable IRA deposit account (Roth, Traditional, Coverdell Education IRA). Minimum opening deposit is $100.00. Dividends earned on average daily balance and paid quarterly. Account withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $20,000Dividends are earned on the average daily balance and paid quarterly. | 0.20% | $20 | Dividends are earned on the average daily balance and paid quarterly. |
| $20,000 – $50,000Dividends are earned on the average daily balance and paid quarterly. | 0.30% | — | Dividends are earned on the average daily balance and paid quarterly. |
| $50,000 and upDividends are earned on the average daily balance and paid quarterly. | 0.40% | — | Dividends are earned on the average daily balance and paid quarterly. |
Teen Investors Account
0.03%APY
Designed for youth members ages 13-17. Requires a joint account holder of legal age (parent or guardian). $5.00 opening deposit. Earns dividends on balances of $5.00 or more. Option to open checking account with parent/guardian.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Dividends earned on average daily balance and paid quarterly. Earns dividends on balances of $5.00 or more. | 0.03% | $3 | Dividends earned on average daily balance and paid quarterly. Earns dividends on balances of $5.00 or more. |
| $20,000 – $50,000Dividends earned on average daily balance and paid quarterly. Earns dividends on balances of $5.00 or more. | 0.03% | — | Dividends earned on average daily balance and paid quarterly. Earns dividends on balances of $5.00 or more. |
| $50,000 and upDividends earned on average daily balance and paid quarterly. Earns dividends on balances of $5.00 or more. | 0.07% | — | Dividends earned on average daily balance and paid quarterly. Earns dividends on balances of $5.00 or more. |
Vacation and Holiday Club
0.03%APY
Saving via payroll deduction or lump sum. Opening deposit is $5.00. Minimum balance to earn stated APY is $200.00. For Holiday/Christmas Club, balance rolls over in November to savings account; early withdrawal fee of $5.00 per withdrawal (waived Nov 1st - Dec 31st or within 7 days of opening). Account withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $20,000Dividends earned on average daily balance and paid quarterly. | 0.03% | $3 | Dividends earned on average daily balance and paid quarterly. |
| $20,000 – $50,000Dividends earned on average daily balance and paid quarterly. | 0.05% | — | Dividends earned on average daily balance and paid quarterly. |
| $50,000 and upDividends earned on average daily balance and paid quarterly. | 0.07% | — | Dividends earned on average daily balance and paid quarterly. |
Sources (3)
- memorialcu.org/services/savings
- memorialcu.org/share-rates
- memorialcu.org/wp-content/uplo…gs_Funds_Availabilty.pdf
All captured Oct 16, 2026
Young Investors
0.03%APY
Designed for youth members (up to 12 years of age for Young Investors; 13-17 for Teen Investors). Requires parent/guardian custodian or joint account holder. Minimum $5.00 opening deposit. Earns dividends on balances of $5.00 or more. Account transfer and withdrawal limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Earns dividends on balances of $5.00 or more. | 0.03% | $3 | Earns dividends on balances of $5.00 or more. |
| $20,000 – $50,000Earns dividends on balances of $5.00 or more. | 0.03% | — | Earns dividends on balances of $5.00 or more. |
| $50,000 and upEarns dividends on balances of $5.00 or more. | 0.07% | — | Earns dividends on balances of $5.00 or more. |
Sources (3)
- memorialcu.org/services/youth
- memorialcu.org/share-rates
- memorialcu.org/wp-content/uplo…gs_Funds_Availabilty.pdf
All captured Oct 16, 2026
Who can join Memorial 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 Harris County residents and those who live, worship, work, or attend school within Harris County.
- Membership is open to those who live, worship, work, or attend school within a 10-mile radius of an MCU branch location.
Employers and groups
- Membership is open to employees and families of the Memorial Hermann Healthcare System.
- Membership is open to Memorial Hermann Healthcare System (MHHS) medical professional building tenants.
- Membership is open to Memorial Hermann Healthcare System (MHHS) contractors and vendors.
- Membership is open to Memorial Hermann Healthcare System (MHHS) volunteers.
1 more way to join
Family and household
- Eligible family members include spouses, parents, siblings, children, step relations, grandparents, and grandchildren.
Membership information collected October 5, 2026.