Credit union · NCUA insured
Mountain Star Credit Union Savings Rates
Mountain Star Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Mountain Star Credit Union’s savings rates compare
Compared with banks and credit unions near El Paso, TX, where Mountain Star Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mountain Star Credit Union
0.20%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $20
Money Market Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
Mountain Star Credit Union savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.20%
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 Mountain Star 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 Account
0.20%APY
Dividends paid monthly. No monthly or transaction fees as long as a minimum balance of $2,500.00 is maintained. Below minimum balance fee is $5.00 monthly. 6 withdrawals per month limit; $2.00 fee for exceeding withdrawal limitation. No ATM or Check Card access allowed. Non-sufficient funds fee is $30.00 per check.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 0.15% | — |
| $10,000 – $24,999 | 0.20% | $20 |
| $25,000 and up | 0.30% | — |
Sources (3)
All captured Oct 6, 2026
Primary Savings Account
0.10%APY
To become a credit union member, open a primary savings account with a minimum deposit of $13.00 ($10.00 is share in the credit union and must remain on deposit to retain membership; $3.00 is a new account set up fee). A minimum balance of $10.00 is required. Dividends are calculated on average daily balance, compounded quarterly and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends calculated on average daily balance; compounded quarterly and paid quarterly. $10.00 share must remain on deposit; $3.00 new account setup fee.$10 and up | 0.10% | $10 | Dividends calculated on average daily balance; compounded quarterly and paid quarterly. $10.00 share must remain on deposit; $3.00 new account setup fee. |
Rainy Day Account
0.10%APY
Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends paid quarterly.$10 and up | 0.10% | $10 | Dividends paid quarterly. |
Sources (1)
- mountainstarfcu.org/services · captured Sep 25, 2026
Star Saver Account
0.10%APY
Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends paid quarterly.$10 and up | 0.10% | $10 | Dividends paid quarterly. |
Sources (1)
- mountainstarfcu.org/services · captured Sep 25, 2026
Special-purpose accounts
Holiday Account
0.10%APY
Make regular deposits through payroll deduction. Balance is automatically transferred to savings account each October. Early withdrawal fee applies. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upNo monthly service charge. Regular deposits via payroll deduction. Balance automatically transfers to savings each October. Early withdrawal fee applies. Dividends paid quarterly.$10 and up | 0.10% | $10 | No monthly service charge. Regular deposits via payroll deduction. Balance automatically transfers to savings each October. Early withdrawal fee applies. Dividends paid quarterly. |
IRA Savings
0.10%APY
Traditional, Educational and Roth Accounts available. Dividends earned are tax-deferred; contributions may be tax-deductible. Early withdrawal fee applies. No monthly or annual fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upNo monthly or annual fees. Early withdrawal fee applies. Traditional, Educational, and Roth accounts available. Dividends paid quarterly.$10 and up | 0.10% | $10 | No monthly or annual fees. Early withdrawal fee applies. Traditional, Educational, and Roth accounts available. Dividends paid quarterly. |
Little Star/ Jr. Star
0.10%APY
Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid quarterly.$5 and up | 0.10% | $10 | Dividends paid quarterly. |
Sources (1)
- mountainstarfcu.org/services · captured Sep 25, 2026
Vacation Club
0.10%APY
Make regular deposits through payroll deduction. Balance is automatically transferred to savings account each June. Early withdrawal fee applies. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upNo monthly service charge. Regular deposits via payroll deduction. Balance automatically transfers to savings each June. Early withdrawal fee applies. Dividends paid monthly.$10 and up | 0.10% | $10 | No monthly service charge. Regular deposits via payroll deduction. Balance automatically transfers to savings each June. Early withdrawal fee applies. Dividends paid monthly. |
Who can join Mountain Star Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.