Credit union · NCUA insured
Mills42 Federal Credit Union Savings Rates
Mills42 Federal Credit Union’s best savings rate is 0.65% APY on $10,000, with its Super Saver. Rates checked October 15, 2026.
How Mills42 Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Mills42 Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mills42 Federal Credit Union
0.65%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $65
Super Saver
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Mills42 Federal Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.10%
- QualifiedQualified0.65%
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 Mills42 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.
Round Up Savings
10.00%APY
Dividends compounded and credited monthly based on the average daily balance. If average daily balance falls below the minimum for that dividend period, APY will be 0.00%. Must maintain a Mills42 checking account with a Mills42 MasterCard Debit Card. Transactions are rounded up to the next whole dollar and deposited into the Round Up Savings account. Member eligibility is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. Maintaining a Mills42 checking account with Mills42 MasterCard Debit card is required. Dividends compounded and credited monthly based on average daily balance.Any balance | 10.00% | $1,000 | No minimum balance required to earn dividends. Maintaining a Mills42 checking account with Mills42 MasterCard Debit card is required. Dividends compounded and credited monthly based on average daily balance. |
Sources (3)
- mills42fcu.com/disclosures/truth-in-savings-statement
- mills42fcu.com/rates/deposit-rates
- mills42fcu.com/accounts/savings
All captured Oct 5, 2026
Super Saver
0.65%APY
Minimum opening deposit of $2,500. Minimum daily balance required to avoid a service fee. Dividends compounded and credited monthly based on average daily balance. Member eligibility is required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. | 0.50% | — | Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. |
| $10,000 – $24,999Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. | 0.65% | $65 | Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. |
| $25,000 – $49,999Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. | 0.80% | — | Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. |
| $50,000 – $99,999Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. | 0.95% | — | Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. |
| $100,000 and upDividends compounded and credited monthly based on average daily balance. Whole balance tier rate. | 1.10% | — | Dividends compounded and credited monthly based on average daily balance. Whole balance tier rate. |
Sources (3)
- mills42fcu.com/disclosures/truth-in-savings-statement
- mills42fcu.com/rates/deposit-rates
- mills42fcu.com/accounts/savings
All captured Oct 5, 2026
Share Clubs
0.10%APY
Dividends compounded and credited monthly based on average daily balance. If average daily balance falls below $500 for that dividend period, APY will be 0.00%. Member eligibility is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum average daily balance of $500 required to earn stated APY. Dividends compounded and credited monthly.$500 and up | 0.10% | $10 | Minimum average daily balance of $500 required to earn stated APY. Dividends compounded and credited monthly. |
Sources (2)
All captured Oct 5, 2026
Share Savings
0.10%APY
Dividends compounded and credited monthly based on average daily balance. If average daily balance falls below the minimum for that dividend period, APY will be 0.00%. Minimum opening deposit of $25 is deposited directly into the account. Member eligibility is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum average daily balance of $500.00 required to earn dividends. Dividends compounded and credited monthly.$500 and up | 0.10% | $10 | Minimum average daily balance of $500.00 required to earn dividends. Dividends compounded and credited monthly. |
Sources (3)
- mills42fcu.com/disclosures/truth-in-savings-statement
- mills42fcu.com/rates/deposit-rates
- mills42fcu.com/accounts/savings
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts
0.30%APY
Minimum daily balance required to avoid a service fee. Dividends compounded and credited monthly based on average daily balance. Fee applies if closed within 12 months of opening or on rollover/transfer to another financial institution. Member eligibility is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum average daily balance of $500 required to earn stated APY. Dividends compounded and credited monthly.$500 and up | 0.30% | $30 | Minimum average daily balance of $500 required to earn stated APY. Dividends compounded and credited monthly. |
Sources (3)
- mills42fcu.com/disclosures/truth-in-savings-statement
- mills42fcu.com/rates/deposit-rates
- mills42fcu.com/accounts/retirement
All captured Oct 5, 2026
Kids Club
0.10%APY
Dividends compounded and credited monthly based on average daily balance. If average daily balance falls below $5.00 for that dividend period, APY will be 0.00%. Member eligibility is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum average daily balance of $5.00 required to earn stated APY. Dividends compounded and credited monthly.$5 and up | 0.10% | $10 | Minimum average daily balance of $5.00 required to earn stated APY. Dividends compounded and credited monthly. |
Sources (3)
- mills42fcu.com/disclosures/truth-in-savings-statement
- mills42fcu.com/rates/deposit-rates
- mills42fcu.com/accounts/savings
All captured Oct 5, 2026
Who can join Mills42 Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.