Credit union · NCUA insured
Mid-Island FCU Savings Rates
Mid-Island FCU’s best savings rate is 0.10% APY on $10,000, with its Challenge Accounts. Rates checked October 22, 2026.
How Mid-Island FCU’s savings rates compare
Compared with banks and credit unions in United States Virgin Islands, where Mid-Island FCU has the most branches. $10,000, best rate first.
This credit union’s best
Mid-Island FCU
0.10%APY
- Minimum
- —
- Earns on $10,000 a year
- $10
Challenge Accounts
Top rate
PenFed Credit Union
2.70%APY
- Minimum
- $5
- Earns on $10,000 a year
- $270
2nd-highest rate
St. Thomas Federal Credit Union
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Mid-Island FCU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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-Island FCU 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.
Challenge Accounts
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- midislandfcu.org/accounts/divided-rates · captured Sep 19, 2026
Regular Share (Savings) Accounts
0.10%APY
Basic required account to be a member of Mid-Island FCU. Must maintain a $25.00 minimum balance to keep good-standing membership. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMust maintain a $25.00 minimum balance.$25 and up | 0.10% | $10 | Must maintain a $25.00 minimum balance. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club Account
0.10%APY
Weekly club that starts as low as $5 dollars. Starts the first week in November and ends October 31st every year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceWeekly club starting as low as $5. Starts first week in November and ends October 31st.Any balance | 0.10% | $10 | Weekly club starting as low as $5. Starts first week in November and ends October 31st. |
Sources (2)
All captured Sep 19, 2026
Vacation Club Account
0.10%APY
Begins the first week in June and ends May 31st of every year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBegins the first week in June and ends May 31st of every year.Any balance | 0.10% | $10 | Begins the first week in June and ends May 31st of every year. |
Sources (2)
All captured Sep 19, 2026
Who can join Mid-Island FCU
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 anyone who lives, works, or worships in the Mid-Island area of St. Croix.
Family and household
- Family members related by blood, marriage, or adoption to a member are eligible to join.
Cost to join
- A minimum deposit of $25.00 is required upon opening and maintaining a share/savings account for membership.
- A $5.00 one-time membership fee is due at the time of opening a share/savings account.
Membership information collected October 4, 2026.