Credit union · NCUA insured
MountainCrest Credit Union Savings Rates
MountainCrest Credit Union’s best savings rate is 0.30% APY on $10,000, with its Cash Management. Rates checked October 22, 2026.
How MountainCrest Credit Union’s savings rates compare
Compared with banks and credit unions near Seattle, WA, where MountainCrest Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MountainCrest Credit Union
0.30%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $30
Cash Management
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
MountainCrest Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.40%
- 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 MountainCrest 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.
Cash Management
0.30%APY
Tiered-rate savings account with direct check-writing. If balance drops below $2,500, converts to Savings Account earning regular savings rate with no fee or penalty.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 0.30% | $30 |
| $50,000 and up | 0.40% | — |
Savings Account
0.10%APY
Fixed rate compounded daily and credited monthly. $5.00 minimum balance required to maintain membership (par value of one share).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.30%APY
Traditional and Roth IRA savings options. $15 annual maintenance fee may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$15 annual fee may reduce earnings.Any balance | 0.30% | $30 | $15 annual fee may reduce earnings. |
PAWS Club Youth Savings
0.20%APY
Available to kids 12 years old and under. Fixed rate compounded daily and credited monthly. Matched first deposit up to $50.00 requires account to stay open for 6 months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatched first deposit up to $50.00 when account remains open for 6 months.Any balance | 0.20% | $20 | Matched first deposit up to $50.00 when account remains open for 6 months. |
Teen Savings Account
0.20%APY
Available to teens ages 13–18. Fixed rate compounded daily and credited monthly. Matched first deposit up to $50.00 requires account to stay open for 6 months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatched first deposit up to $50.00 when account remains open for 6 months.Any balance | 0.20% | $20 | Matched first deposit up to $50.00 when account remains open for 6 months. |
Holiday Club Account
0.10%APY
Entire balance automatically disbursed/transferred to designated savings or checking account on or after November 1st (first week of November), and account remains open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFunds disbursed first week of November.Any balance | 0.10% | $10 | Funds disbursed first week of November. |
Who can join MountainCrest 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, or worship in Washington state are eligible to join MountainCrest Credit Union.
Family and household
- Extended family members of eligible individuals—including spouses, children, grandchildren, parents, grandparents, sisters, brothers, and their families—are eligible for membership.
Cost to join
- Opening an account requires a minimum initial deposit of $5.
Membership information collected October 4, 2026.