Credit union · NCUA insured
Montana Educators' Credit Union Savings Rates
Montana Educators' Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Montana Educators' Credit Union’s savings rates compare
Compared with banks and credit unions near Missoula, MT, where Montana Educators' Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Montana Educators' Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Kasasa Saver
Top rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
3rd-highest rate
Park Side Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
Montana Educators' Credit Union savings score
83
Savings score
Higher than 61% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.25%
- QualifiedQualified3.00%
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 Montana 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.
Kasasa Saver
Up to 3.00%APY
Links to Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees. No minimum deposit to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Requires meeting linked Kasasa Cash or Kasasa Cash Back qualifications (at least 12 debit card purchases, enrolled in e-statements, log into online or mobile banking each Monthly Qualification Cycle). | 3.00% | $300 | Requires meeting linked Kasasa Cash or Kasasa Cash Back qualifications (at least 12 debit card purchases, enrolled in e-statements, log into online or mobile banking each Monthly Qualification Cycle). |
| Any balanceApplied to all balances if monthly qualifications on linked Kasasa Cash or Kasasa Cash Back account are not met. | 0.05% | $5 | Applied to all balances if monthly qualifications on linked Kasasa Cash or Kasasa Cash Back account are not met. |
Sources (4)
All captured Sep 16, 2026
Money Market Account
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.50% | — |
| $10,000 – $24,999 | 0.50% | $50 |
| $25,000 – $49,999 | 0.75% | — |
| $50,000 – $99,999 | 1.00% | — |
| $100,000 and up | 1.25% | — |
Montana Medical Savings Account (MSA)
0.05%APY
Tax-advantaged account designed to help Montana residents save for medical expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $35 and upDividends on balances of $35 or more.$35 and up | 0.05% | $5 | Dividends on balances of $35 or more. |
Sources (4)
- mtedcu.org/accounts/share-savings
- mtedcu.org/accounts/montana-medical-savings-account
- mtedcu.org/accounts/personal-savings
- mtedcu.org/rates
All captured Sep 16, 2026
Regular Shares (Regular Savings)
0.05%APY
Establishes membership with the credit union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
Club Accounts
0.05%APY
No monthly service fees. Save for holiday and vacation expenses.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000 | 0.50% | — | |
| $1,000 and upApplied to balances greater than $1,000. | 0.05% | $5 | Applied to balances greater than $1,000. |
Sources (4)
- mtedcu.org/accounts/club-accounts
- mtedcu.org/accounts/share-savings
- mtedcu.org/accounts/personal-savings
- mtedcu.org/rates
All captured Sep 16, 2026
Who can join Montana 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
- Membership is open to all residents of Missoula, Granite, Lake, Mineral, Ravalli, and Sanders counties.
Family and household
- Membership is open to families of current MECU members.
Membership information collected October 4, 2026.