Credit union · NCUA insured
Mid American Credit Union Savings Rates
Mid American Credit Union’s best savings rate is 0.30% APY on $10,000, with its Payroll Plus Savings Account. Rates checked October 16, 2026.
How Mid American Credit Union’s savings rates compare
Compared with banks and credit unions near Wichita, KS, where Mid American Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid American Credit Union
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
Payroll Plus Savings Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Capitol Federal
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Mid American Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 Mid American 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.
Premiere Money Market
0.20%APY
Available to members with a checking account or to members who deposit a minimum of $25,000 in new money. Minimum balance to open is $1,000 for members with a checking account or $25,000 in new money. $10 monthly fee for balance less than $1,000. Dividends are calculated and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $49,999Available to members with a checking account (minimum opening deposit $1,000) or members who deposit a minimum of $25,000 in new money. $10 monthly fee for balance less than $1,000. Variable rate. | 0.20% | $20 | Available to members with a checking account (minimum opening deposit $1,000) or members who deposit a minimum of $25,000 in new money. $10 monthly fee for balance less than $1,000. Variable rate. |
| $50,000 – $199,999Available to members with a checking account (minimum opening deposit $1,000) or members who deposit a minimum of $25,000 in new money. Variable rate. | 2.00% | — | Available to members with a checking account (minimum opening deposit $1,000) or members who deposit a minimum of $25,000 in new money. Variable rate. |
| $200,000 and upAvailable to members with a checking account (minimum opening deposit $1,000) or members who deposit a minimum of $25,000 in new money. Variable rate. | 3.00% | — | Available to members with a checking account (minimum opening deposit $1,000) or members who deposit a minimum of $25,000 in new money. Variable rate. |
Sources (2)
All captured Oct 5, 2026
Regular Money Market
0.10%APY
Minimum balance to open is $1,000. $10 monthly fee for balance less than $1,000. Dividends are calculated and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Variable rate. $10 monthly fee for balance less than $1,000. | 0.05% | — | Variable rate. $10 monthly fee for balance less than $1,000. |
| $10,000 – $49,999Variable rate. | 0.10% | $10 | Variable rate. |
| $50,000 – $99,999Variable rate. | 0.15% | — | Variable rate. |
| $100,000 – $499,999Variable rate. | 0.20% | — | Variable rate. |
| $500,000 – $999,999Variable rate. | 0.25% | — | Variable rate. |
| $1,000,000 and upVariable rate. | 0.30% | — | Variable rate. |
Sources (2)
All captured Oct 5, 2026
Payroll Plus Savings Account
0.30%APY
Designed for members who work at a Mid American payroll group or who receive Social Security via direct deposit. Restricted access account with one free withdrawal monthly. Non-payroll deduction deposits up to $500 allowed during first 90 days. ATM access is not available and cannot be used for Overdraft Protection. $100 minimum balance required for dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $500Quarterly dividend rates declared by Board of Directors for quarter ending September 2026; dividend for next quarter will be declared in December 2026. $100 minimum balance is required for dividends. Variable rate. | 0.15% | — | Quarterly dividend rates declared by Board of Directors for quarter ending September 2026; dividend for next quarter will be declared in December 2026. $100 minimum balance is required for dividends. Variable rate. |
| $500 and upQuarterly dividend rates declared by Board of Directors for quarter ending September 2026; dividend for next quarter will be declared in December 2026. $100 minimum balance required for dividends; maintaining minimum monthly balance of $500 earns higher dividend rate. Variable rate. | 0.30% | $30 | Quarterly dividend rates declared by Board of Directors for quarter ending September 2026; dividend for next quarter will be declared in December 2026. $100 minimum balance required for dividends; maintaining minimum monthly balance of $500 earns higher dividend rate. Variable rate. |
Sources (2)
All captured Oct 5, 2026
Basic Membership Savings Account
0.03%APY
Opening establishes membership in Mid American Credit Union. No monthly fee if balance stays above $100. Three free withdrawals per month ($0.75 each additional withdrawal). $100 minimum balance required for dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend rates declared for quarter ending September 2026; monthly dividend rates effective October 1, 2026. $100 minimum balance is required for dividends. Variable rate.$100 and up | 0.03% | $3 | Quarterly dividend rates declared for quarter ending September 2026; monthly dividend rates effective October 1, 2026. $100 minimum balance is required for dividends. Variable rate. |
Sources (3)
- midamerican.coop/fees-and-service-charges
- midamerican.coop/personal/dividend-rates
- midamerican.coop/personal/savings
All captured Oct 5, 2026
Special-purpose accounts
Preferred Youth Savings Account
0.50%APY
For children and young adults through age 24. No monthly fees. ATM access is not available on this account nor can it be used for Overdraft Protection. No minimum balance required for dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend rates declared for quarter ending September 2026; monthly dividend rates effective October 1, 2026. Excepted from the $100 minimum balance requirement for dividends. Variable rate.Any balance | 0.50% | $50 | Quarterly dividend rates declared for quarter ending September 2026; monthly dividend rates effective October 1, 2026. Excepted from the $100 minimum balance requirement for dividends. Variable rate. |
Sources (2)
All captured Oct 5, 2026
Health Savings Account (HSA) Savings
0.10%APY
Must be covered by a high-deductible health plan (HDHP). No set-up fee and no monthly fees. No minimum balance requirement (prime savings linked requires $5 minimum balance). Unlimited deposits and withdrawals with no penalties as permitted by IRS.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. | 0.05% | — | Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. |
| $10,000 – $49,000Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. | 0.10% | $10 | Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. |
| $50,000 – $99,999Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. | 0.15% | — | Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. |
| $100,000 – $499,999Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. | 0.20% | — | Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. |
| $500,000 – $999,999Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. | 0.25% | — | Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. |
| $1,000,000 and upEffective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. | 0.30% | — | Effective as of October 1, 2026. Dividends calculated daily and paid monthly. No monthly fee. Variable rate. |
Sources (2)
All captured Oct 5, 2026
Traditional & Roth IRAs, SEP Savings Accounts
0.10%APY
Includes Traditional IRAs, Roth IRAs, and SEP savings accounts. Unlimited deposits and withdrawals with no penalties as permitted by IRS. Dividends are calculated daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. | 0.05% | — | Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. |
| $10,000 – $49,000Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. | 0.10% | $10 | Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. |
| $50,000 – $99,999Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. | 0.15% | — | Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. |
| $100,000 – $499,999Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. | 0.20% | — | Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. |
| $500,000 – $999,999Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. | 0.25% | — | Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. |
| $1,000,000 and upRates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. | 0.30% | — | Rates are effective as of October 1, 2026. Dividends are calculated daily and paid monthly. Variable rate. |
Sources (2)
All captured Oct 5, 2026
Christmas Savings Account
0.15%APY
Penalty-free withdrawals from October 1 to December 31. ATM access is not available and cannot be used for Overdraft Protection. $100 minimum balance required for dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend rates declared for quarter ending September 2026; monthly dividend rates effective October 1, 2026. $100 minimum balance is required for dividends. Variable rate.$100 and up | 0.15% | $15 | Quarterly dividend rates declared for quarter ending September 2026; monthly dividend rates effective October 1, 2026. $100 minimum balance is required for dividends. Variable rate. |
Sources (2)
All captured Oct 5, 2026
Vacation Savings Account
0.15%APY
Up to three free withdrawals per month. ATM access is not available, but can be used for Overdraft Protection. $100 minimum balance required for dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upQuarterly dividend rates declared for quarter ending September 2026; monthly dividend rates effective October 1, 2026. $100 minimum balance is required for dividends. Variable rate.$100 and up | 0.15% | $15 | Quarterly dividend rates declared for quarter ending September 2026; monthly dividend rates effective October 1, 2026. $100 minimum balance is required for dividends. Variable rate. |
Sources (2)
All captured Oct 5, 2026
Who can join Mid American Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in one of the 42 served Kansas counties are eligible to join.
Employers and groups
- Members of Consumer United Program and employees of a company that is a member of Consumer United Program are eligible to join.
- Employees and retirees of a company or organization with a permanent office in the state of Kansas are eligible to join.
Family and household
- Family members of a Mid American Credit Union member (spouse, parent, stepparent, grandparent, child, step-child, foster child, sibling, grandchild or former spouse) are eligible to join.
Cost to join
- Membership requires opening a Basic Membership Savings Account and making a small deposit.
Membership information collected October 4, 2026.