Credit union · NCUA insured
Morehead Community Federal Credit Union Savings Rates
Morehead Community Federal Credit Union’s best savings rate is 1.16% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Morehead Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions in Kentucky, where Morehead Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Morehead Community Federal Credit Union
1.16%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $116
Money Market Savings
Top rate
LG&E Co. Credit Union
5.12%APY
- Minimum
- $50
- Earns on $10,000 a year
- $512
2nd-highest rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
Morehead Community Federal Credit Union savings score
87
Savings score
Higher than 76% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0002.27%
- QualifiedQualified1.16%
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 Morehead Community 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
1.16%APY
No monthly fees. Up to six transfers per month. Monthly interest earned on accounts with a balance of at least $2,000.00. Rate tiers are determined by the average daily balance of the dividend period on the last day of the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. Monthly interest earned on balances of at least $2,000.00. | 0.00% | — | Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. Monthly interest earned on balances of at least $2,000.00. |
| $2,000 – $10,000Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. | 0.50% | — | Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. |
| $10,000 – $25,000Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. | 1.16% | $116 | Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. |
| $25,000 – $50,000Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. | 1.41% | — | Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. |
| $50,000 – $100,000Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. | 1.71% | — | Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. |
| $100,000 and upRate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. | 2.27% | — | Rate tiers determined by the Average Daily Balance of the dividend period on the last day of the month. |
Sources (2)
All captured Sep 19, 2026
Share Savings Account
0.35%APY
Must maintain a $5.00 minimum balance at all times. Dividends paid quarterly on balances of $10.00 or more. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly on balances of $10.00 or more. $5.00 minimum balance must be maintained.Any balance | 0.35% | $35 | Dividends paid quarterly on balances of $10.00 or more. $5.00 minimum balance must be maintained. |
Special-purpose accounts
Christmas Club
0.35%APY
Earns the same interest rate as Share Savings Account. Can be started any time for free. Everything saved is deposited into Share Savings Account in early October; early withdrawals are charged a $5.00 fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDeposited into Share Savings Account in early October; early withdrawals charged a $5.00 fee.Any balance | 0.35% | $35 | Deposited into Share Savings Account in early October; early withdrawals charged a $5.00 fee. |
IRA Share Savings Account
0.35%APY
Offered as Traditional (tax-deferred growth) and Roth (tax-free growth/withdrawals).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.35% | $35 |
Name-Your-Own Club Account
0.35%APY
Earns the same interest rate as Share Savings Account. Can be started any time for free. Withdraw as soon as you need it.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns the same interest rate as Share Savings Account.Any balance | 0.35% | $35 | Earns the same interest rate as Share Savings Account. |
Vacation Club
0.35%APY
Earns the same interest rate as Share Savings Account. Can be started any time for free. Withdraw any time you're ready to go.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.35% | $35 |
Who can join Morehead Community 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 in specified Kentucky counties are eligible for membership.
Family and household
- Immediate family members or members of the household of someone who qualifies for membership are eligible.
Cost to join
- A one-time membership fee of $1.00 is required upon joining.
- A share deposit of $5.00 into a Primary Savings Account is required to join and represent a share in the credit union.
Membership information collected October 4, 2026.