Credit union · NCUA insured
Mobile Educators Credit Union Savings Rates
Mobile Educators Credit Union’s best savings rate is 0.30% APY on $10,000, with its Savings. Rates checked October 22, 2026.
How Mobile Educators Credit Union’s savings rates compare
Compared with banks and credit unions near Mobile, AL, where Mobile Educators Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mobile Educators Credit Union
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
Savings
Top rate
JM Associates FCU
5.12%APY
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
SmartBank
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Mobile Educators Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 Mobile Educators 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.
Savings
0.30%APY
Minimum balance of $25 required to have any other account. Minimum Average Daily Balance of $100 required to receive dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum Average Daily Balance of $100 required to receive dividends. Minimum balance of $25 required to have any other account.$100 and up | 0.30% | $30 | Minimum Average Daily Balance of $100 required to receive dividends. Minimum balance of $25 required to have any other account. |
Special-purpose accounts
Christmas Club
0.40%APY · 1 term
$10.00 penalty for withdrawal prior to maturity date. Minimum Average Daily Balance of $100 required to receive dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$10.00 penalty for withdrawal prior to maturity date. Minimum Average Daily Balance of $100 required to receive dividends | 0.40% | $40 |
Sources (3)
All captured Sep 19, 2026
IRA Share Accounts
0.40%APY
Minimum Average Daily Balance of $100 required to receive dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum Average Daily Balance of $100 required to receive dividends.$100 and up | 0.40% | $40 | Minimum Average Daily Balance of $100 required to receive dividends. |
Vacation Club
0.40%APY · 1 term
$10.00 penalty for withdrawal prior to maturity date. Minimum Average Daily Balance of $100 required to receive dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$10.00 penalty for withdrawal prior to maturity date. Minimum Average Daily Balance of $100 required to receive dividends | 0.40% | $40 |
Who can join Mobile Educators 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 goes to school in Mobile, Baldwin, Washington, Clarke, Monroe, or Escambia Counties.
Employers and groups
- Employees of designated employer groups are eligible for membership.
Military, government and schools
- Employees of specified educational institutions and municipal/government entities in the area are eligible to join.
Family and household
- Family members (mother, father, sister, brother, children, and grandchildren) of all credit union members are eligible to join.
Membership information collected October 4, 2026.