Credit union · NCUA insured
Midwest Members Credit Union Savings Rates
Top CarrotMidwest Members Credit Union’s best savings rate is 1.81% APY on $10,000, with its Money Market Plus. Rates checked October 16, 2026.
How Midwest Members Credit Union’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Midwest Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Midwest Members Credit Union
1.81%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $181
Money Market Plus
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Midwest Members Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.81%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.81%
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 Members 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
1.81%APY
Minimum $2,500 deposit to open. Minimum daily balance of $2,500.00 must be maintained to earn disclosed rate. Dividends compound and paid monthly. Free online and mobile banking.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. | 1.76% | — | Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. |
| $10,000 – $24,999Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. | 1.81% | $181 | Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. |
| $25,000 – $49,999Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. | 1.92% | — | Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. |
| $50,000 – $99,999Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. | 1.97% | — | Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. |
| $100,000 and upDividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. | 2.02% | — | Dividends compound and paid monthly. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate. |
Sources (3)
- midmembers.org/learn/information/rates.html
- midmembers.org/accounts/savings
- midmembers.org/accounts/savings/money-market-plus.html
All captured Oct 16, 2026
Savings
0.05%APY
Establish your membership with Midwest Members Credit Union. $5 minimum deposit to open. No monthly service fees. Compounded and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound and paid monthly.Any balance | 0.05% | $5 | Dividends compound and paid monthly. |
Sources (3)
- midmembers.org/accounts/savings/share-savings.html
- midmembers.org/learn/information/rates.html
- midmembers.org/accounts/savings
All captured Oct 16, 2026
Special Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound and paid monthly.Any balance | 0.05% | $5 | Dividends compound and paid monthly. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Christmas Club
0.05%APY
Funds automatically transfer to your regular account at the end of October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound and paid monthly. Funds automatically transfer to your regular account at the end of October.Any balance | 0.05% | $5 | Dividends compound and paid monthly. Funds automatically transfer to your regular account at the end of October. |
IRA Savings
0.05%APY
Offers tax benefits and tax-deferred growth; deposits as little as $5.00; option to transfer funds into an IRA Certificate upon reaching $1,000. No minimum balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound and paid monthly.Any balance | 0.05% | $5 | Dividends compound and paid monthly. |
Vacation Club
0.05%APY
Make up to two withdrawals per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound and paid monthly. Make up to two withdrawals per year.Any balance | 0.05% | $5 | Dividends compound and paid monthly. Make up to two withdrawals per year. |
Who can join Midwest Members Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, or attends school in Madison County, IL.
Membership information collected October 5, 2026.