Credit union · NCUA insured
Mid-Atlantic Federal Credit Union Savings Rates
Mid-Atlantic Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Plus Account. Rates checked October 22, 2026.
How Mid-Atlantic Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Mid-Atlantic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mid-Atlantic Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $100
Money Market Plus Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Mid-Atlantic Federal Credit Union savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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-Atlantic Federal 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 Plus Account
1.00%APY
No monthly maintenance fee. Limited to 6 written checks per month, fee applies to items exceeding this limit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 1.00% | $100 |
| $100,000 – $250,000 | 1.10% | — |
| $250,000 – $500,000 | 1.30% | — |
| $500,000 – $1,000,000 | 1.50% | — |
| Over $1,000,000 | 1.70% | — |
Regular Share Savings Account
0.30%APY
Establishes membership with MAFCU. Must be 18 and over to open online. Earn competitive dividends on balances of $5 or more. Free digital solutions and quarterly statements. Unlimited free withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.30% | $30 |
Special Savings Account
0.30%APY
Set aside money separate from savings for nearly anything. Earn competitive dividends on your entire balance. Direct deposit or internal transfers available. Free digital solutions. Must be 18 and over to open online.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.30% | $30 |
Special-purpose accounts
Coverdell Education Savings
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 1.00% | $100 |
Sources (1)
- mafcu.org/_/kcms-doc/2076/7635…are-Rates-Member-Use.pdf · captured Oct 7, 2026
IRA Money Market
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 1.00% | $100 |
Sources (2)
All captured Oct 7, 2026
First Savings
0.35%APY on $10,000
Available to children age 13 and under. Converts to Regular Share Savings account at 14 years of age. Parent/Guardian must be joint owner with child as primary. Child's social security number and birth certificate required. Free digital solutions. Establishes membership.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 1.24% |
| Over $500 | 0.30% |
On $10,000 the tiers blend to about 0.35% APY, earning $35 a year.
Holiday Club Account
0.30%APY
Save money year-round for the holiday season to avoid holiday-induced debt. Earn competitive dividends on your entire balance. Direct deposit or internal transfers available. Free digital solutions. Must be 18 and over to open online.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.30% | $30 |
Closed to new customers
Student Plus Savings
0.35%APY on $10,000
Legacy account no longer offered. Listed on rate schedule alongside First Savings.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 1.24% |
| Over $500 | 0.30% |
On $10,000 the tiers blend to about 0.35% APY, earning $35 a year.
Sources (1)
- mafcu.org/_/kcms-doc/2076/7635…are-Rates-Member-Use.pdf · captured Oct 22, 2026
Who can join Mid-Atlantic Federal 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, worship, volunteer, or attend school in Montgomery County, Maryland are eligible for membership.
Employers and groups
- Businesses in Montgomery County are eligible to join and offer credit union membership as an employee benefit.
Family and household
- Immediate family members (spouse, children, parents, grandparents, grandchildren, siblings) and those living in the same household of eligible individuals are eligible for membership.
Cost to join
- A $5 deposit into a MAFCU savings account is required for membership.
Membership information collected October 4, 2026.