Credit union · NCUA insured
MPS Credit Union Savings Rates
MPS Credit Union’s best savings rate is 0.05% APY on $10,000, with its Member Savings Account. Rates checked October 15, 2026.
How MPS Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where MPS Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MPS Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Member Savings Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
MPS Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 MPS 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.
Member Savings Account
0.05%APY
Establishes membership at MPS Credit Union. Dividends are paid quarterly and calculated on average monthly balance (compounded monthly and paid quarterly). If account is closed before dividends are paid, accrued dividends are not received. Rates are subject to change at any time without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum $5.00 balance required. Dividends paid quarterly and calculated on average monthly balance.$5 and up | 0.05% | $5 | Minimum $5.00 balance required. Dividends paid quarterly and calculated on average monthly balance. |
Sources (4)
All captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.40%APY
Traditional IRA and Roth IRA options available. No setup fees and no monthly or annual maintenance fees. $5,000 contribution limit per year with additional $1,000 catch-up contribution allowed for ages 50+. Dividends paid quarterly and calculated on average monthly balance. If account is closed before dividends are paid, accrued dividends are not received. Rates subject to change at any time without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening balance of $1.00. Dividends paid quarterly and calculated on average monthly balance.Any balance | 0.40% | $40 | Minimum opening balance of $1.00. Dividends paid quarterly and calculated on average monthly balance. |
Sources (4)
- mpscu.org/savings
- mpscu.org/individual-retirement-accounts-iras
- mpscu.org/deposit-rates
- mpscu.org/rates
All captured Sep 18, 2026
Club Accounts
0.05%APY
Set money aside year-round for holiday or vacation-related expenses. Dividends are paid quarterly and calculated on average monthly balance. If account is closed before dividends are paid, accrued dividends are not received. Rates are subject to change at any time without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirement. Dividends paid quarterly and calculated on average monthly balance.Any balance | 0.05% | $5 | No minimum balance requirement. Dividends paid quarterly and calculated on average monthly balance. |
Sources (4)
All captured Sep 18, 2026
Youth Shares
0.05%APY
Dividends are paid quarterly and calculated on average monthly balance. If you close your account before dividends are paid, you will not receive the accrued dividends. Rates are subject to change at any time without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly and calculated on average monthly balance.Any balance | 0.05% | $5 | Dividends paid quarterly and calculated on average monthly balance. |
Who can join MPS 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 anyone who lives, works, or worships in Miami-Dade, Broward, Palm Beach, Monroe, Martin, or St. Lucie Counties.
Employers and groups
- Businesses located in Miami-Dade and Broward County can join the credit union.
Military, government and schools
- Membership is open to postal employees and retirees as well as Federal Government employees.
Family and household
- Membership is open to families of Federal Government employees.
- Immediate family members of credit union members are eligible to join regardless of where they live.
Cost to join
- Joining requires opening a Member Savings Account with a $5 deposit (representing a share in the Credit Union).
Membership information collected October 5, 2026.