Credit union · NCUA insured
Midwest Community Federal Credit Union Savings Rates
Top CarrotMidwest Community Federal Credit Union’s best savings rate is 0.85% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How Midwest Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Defiance, OH, where Midwest Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Midwest Community Federal Credit Union
0.85%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $85
Money Market Savings
Top rate
Superior Credit Union
3.95%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $395
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Midwest Community Federal Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.85%
- $100,000 balance$100,0001.16%
- QualifiedQualified0.85%
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 Midwest Community 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 Savings
0.85%APY
Tiered rate account; once a particular balance tier is met, the rate applies to the full account balance. Accrued dividends are paid even if closed before the end of the dividend period.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 – $24,999Unknown to open | 0.85% | Unknown | $85 | |
| $2,500 and upCompounded monthly, credited monthly; daily balance calculation method. · $2,500 to open | 0.85% | $2,500 | $85 | Compounded monthly, credited monthly; daily balance calculation method. |
| $25,000 – $49,999Unknown to open | 0.95% | Unknown | — | |
| $25,000 and upCompounded monthly, credited monthly; daily balance calculation method. · $2,500 to open | 0.95% | $2,500 | — | Compounded monthly, credited monthly; daily balance calculation method. |
| $50,000 – $99,999Unknown to open | 1.06% | Unknown | — | |
| $50,000 and upCompounded monthly, credited monthly; daily balance calculation method. · $2,500 to open | 1.05% | $2,500 | — | Compounded monthly, credited monthly; daily balance calculation method. |
| $100,000 and upUnknown to open | 1.16% | Unknown | — | |
| $100,000 and upCompounded monthly, credited monthly; daily balance calculation method. · $2,500 to open | 1.15% | $2,500 | — | Compounded monthly, credited monthly; daily balance calculation method. |
Miscellaneous Savings
0.05%APY
No minimum balances and no withdrawal restrictions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. Compounded monthly, credited monthly.Any balance | 0.05% | $5 | No minimum balance. Compounded monthly, credited monthly. |
Special-purpose accounts
Grow & Go Savings
0.05%APY
Available for youth ages 0-17. Must be opened by parent or guardian. Automatically transfers over to an adult account at age 18.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier 1 rate for balances $0.01 to $1,000.00. | 2.50% | — | Tier 1 rate for balances $0.01 to $1,000.00. |
| Over $1,000Tier 2 rate for balances $1,000.01 and greater. | 0.05% | $5 | Tier 2 rate for balances $1,000.01 and greater. |
IRA Money Market Savings
0.85%APY
Subject to IRA requirements. Tiered rate account where rate applies to the full balance.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $2,500 – $24,999Unknown to open | 0.85% | Unknown | $85 | |
| $2,500 and upPer IRA requirements. Compounded monthly, credited monthly; daily balance calculation method. · $2,500 to open | 0.85% | $2,500 | $85 | Per IRA requirements. Compounded monthly, credited monthly; daily balance calculation method. |
| $25,000 – $49,999Unknown to open | 0.95% | Unknown | — | |
| $25,000 and upPer IRA requirements. Compounded monthly, credited monthly; daily balance calculation method. · $2,500 to open | 0.95% | $2,500 | — | Per IRA requirements. Compounded monthly, credited monthly; daily balance calculation method. |
| $50,000 – $99,999Unknown to open | 1.06% | Unknown | — | |
| $50,000 and upPer IRA requirements. Compounded monthly, credited monthly; daily balance calculation method. · $2,500 to open | 1.05% | $2,500 | — | Per IRA requirements. Compounded monthly, credited monthly; daily balance calculation method. |
| $100,000 and upUnknown to open | 1.16% | Unknown | — | |
| $100,000 and upPer IRA requirements. Compounded monthly, credited monthly; daily balance calculation method. · $2,500 to open | 1.15% | $2,500 | — | Per IRA requirements. Compounded monthly, credited monthly; daily balance calculation method. |
Christmas Club
0.05%APY
Payable on Oct. 20th. Payroll or direct deposit available. Penalty / fee of $10 per withdrawal prior to Oct. 21st (fee waived Oct. 20th thru Dec. 31st). No minimum balances.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePayable on Oct. 20th. $10 fee for withdrawals prior to Oct. 21st (waived Oct. 20th thru Dec. 31st). Compounded monthly, credited monthly.Any balance | 0.05% | $5 | Payable on Oct. 20th. $10 fee for withdrawals prior to Oct. 21st (waived Oct. 20th thru Dec. 31st). Compounded monthly, credited monthly. |
Health Savings Account
0.05%APY
Must follow IRS approved HSA rules and work along with High Deductible Health Plans (HDHPs). Members bear responsibility of proving authorized purchases to the IRS. No enrollment fees, no monthly fees, and no minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. No monthly fees. Compounded monthly, credited monthly using Average Daily Balance calculation method.Any balance | 0.05% | $5 | No minimum balance. No monthly fees. Compounded monthly, credited monthly using Average Daily Balance calculation method. |
IRA Savings
0.05%APY
Subject to IRA requirements. Flexibility to temporarily hold IRA funds with no minimum deposit requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceSubject to IRA requirements. Compounded monthly, credited monthly.Any balance | 0.05% | $5 | Subject to IRA requirements. Compounded monthly, credited monthly. |
Primary Share Savings
0.05%APY
First $25 deposit represents ownership in the credit union. $250 minimum balance required to earn dividends unless member is under 18 or a college student under 23 (proof required).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and up$250 minimum balance to earn dividends, unless under 18 or college student under 23 (proof required). Compounded monthly, credited monthly.$250 and up | 0.05% | $5 | $250 minimum balance to earn dividends, unless under 18 or college student under 23 (proof required). Compounded monthly, credited monthly. |
Who can join Midwest Community 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
- Eligible to join if you live, work, worship, or go to school in Defiance, Henry, Fulton, Paulding, Williams, and the northern two-thirds of Putnam county in Ohio.
Family and household
- Eligible to join if a family member already has an account with Midwest Community Federal Credit Union.
Cost to join
- A minimum balance of $25 in a primary Share (Savings) Account is required for membership.
Membership information collected October 5, 2026.