Credit union · NCUA insured
Minnesota Valley Federal Credit Union Savings Rates
Top CarrotMinnesota Valley Federal Credit Union’s best savings rate is 1.25% APY on $10,000, with its Money Market Savings (S6). Rates checked October 16, 2026.
How Minnesota Valley Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Mankato, MN, where Minnesota Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Minnesota Valley Federal Credit Union
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
Money Market Savings (S6)
Top rate
BankVista
3.51%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $351
2nd-highest rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
Minnesota Valley Federal Credit Union savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.75%
- QualifiedQualified1.25%
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 Minnesota Valley 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 (S6)
1.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Dividends compound monthly. Fees may reduce earnings. | 0.30% | — | Dividends compound monthly. Fees may reduce earnings. |
| $1,000 – $4,999Dividends compound monthly. Fees may reduce earnings. | 0.50% | — | Dividends compound monthly. Fees may reduce earnings. |
| $5,000 – $9,999Dividends compound monthly. Fees may reduce earnings. | 0.75% | — | Dividends compound monthly. Fees may reduce earnings. |
| $10,000 – $19,999Dividends compound monthly. Fees may reduce earnings. | 1.25% | $125 | Dividends compound monthly. Fees may reduce earnings. |
| $20,000 – $39,999Dividends compound monthly. Fees may reduce earnings. | 1.50% | — | Dividends compound monthly. Fees may reduce earnings. |
| $40,000 – $69,999Dividends compound monthly. Fees may reduce earnings. | 1.75% | — | Dividends compound monthly. Fees may reduce earnings. |
| $70,000 – $99,999Dividends compound monthly. Fees may reduce earnings. | 2.25% | — | Dividends compound monthly. Fees may reduce earnings. |
| $100,000 – $249,999Dividends compound monthly. Fees may reduce earnings. | 2.75% | — | Dividends compound monthly. Fees may reduce earnings. |
| $250,000 and upDividends compound monthly. Fees may reduce earnings. | 3.00% | — | Dividends compound monthly. Fees may reduce earnings. |
Share Savings (S1)
0.30%APY
A $5 deposit makes you part-owner of MVFCU and eligible for all other credit union products and services. $5 to earn dividend. Balances below the minimum balance will not earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compound quarterly. $5 to earn dividend. Balances below the minimum balance will not earn interest.$5 and up | 0.30% | $30 | Dividends compound quarterly. $5 to earn dividend. Balances below the minimum balance will not earn interest. |
Special Savings (S2)
0.30%APY
Balances below the minimum balance will not earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound quarterly. Balances below the minimum balance will not earn interest.Any balance | 0.30% | $30 | Dividends compound quarterly. Balances below the minimum balance will not earn interest. |
Sources (1)
- mnvalleyfcu.coop/savings-rates · captured Oct 5, 2026
Special-purpose accounts
Kids Club (S15, S18, S19)
3.04%APY
Accounts for ages 0-22.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $10,000Dividends compound monthly. · $0 to open | 3.04% | $0 | $304 | Dividends compound monthly. |
| Over $10,000Dividends compound monthly. · Unknown to open | 1.75% | Unknown | — | Dividends compound monthly. |
Coverdell (Educational) IRA Savings (S5)
0.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound quarterly.Any balance | 0.75% | $75 | Dividends compound quarterly. |
Sources (2)
All captured Oct 5, 2026
Health Savings Account (S16)
0.75%APY
Interest Bearing Checking Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$10 Annual Fee. Dividends compound monthly.Any balance | 0.75% | $75 | $10 Annual Fee. Dividends compound monthly. |
Holiday Club (S3)
0.75%APY
$300 monthly maximum deposit. Pays out annually November 1st automatically into S1. Dividend paid at pay-out date, no dividend for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$300 monthly maximum deposit. Dividends compound annually. Pays out annually November 1st. Dividend paid at pay-out date, no dividend for early withdrawal.Any balance | 0.75% | $75 | $300 monthly maximum deposit. Dividends compound annually. Pays out annually November 1st. Dividend paid at pay-out date, no dividend for early withdrawal. |
IRA Savings (S4)
0.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound quarterly.Any balance | 0.75% | $75 | Dividends compound quarterly. |
Sources (2)
All captured Oct 5, 2026
Roth IRA Savings (S7)
0.75%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compound quarterly.Any balance | 0.75% | $75 | Dividends compound quarterly. |
Sources (2)
All captured Oct 5, 2026
Vacation Club (S14)
0.75%APY
$300 monthly maximum deposit. Pays out annually June 1st automatically into S1. Dividend paid at pay-out date, no dividend for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$300 monthly maximum deposit. Dividends compound annually. Pays out annually June 1st. Dividend paid at pay-out date, no dividend for early withdrawal.Any balance | 0.75% | $75 | $300 monthly maximum deposit. Dividends compound annually. Pays out annually June 1st. Dividend paid at pay-out date, no dividend for early withdrawal. |
Who can join Minnesota Valley 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, attend school, or volunteer, and businesses and other legal entities located in Blue Earth, Nicollet, Le Sueur, Waseca, Brown, or Watonwan counties are eligible for membership.
Family and household
- Immediate family members of existing MVFCU members are eligible to join.
Membership information collected October 4, 2026.