Credit union · NCUA insured
MSCU Savings Rates
Top CarrotMSCU’s best savings rate is 2.25% APY on $10,000, with its Money Market Special. Rates checked October 22, 2026.
How MSCU’s savings rates compare
Compared with banks and credit unions near Bridgeport, CT, where MSCU has the most branches. $10,000, best rate first.
This credit union’s best
MSCU
2.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $225
Money Market Special
Top rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Nutmeg State Financial Credit Union
4.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
MSCU savings score
95
Savings score
Higher than 97% of U.S. banks and credit unions
- $1,000 balance$1,0004.64%
- $10,000 balance$10,0003.48%
- $100,000 balance$100,0002.25%
- QualifiedQualified3.48%
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 MSCU 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.
Progressive Savings Account
3.48%APY on $10,000
No minimum balance requirement. No monthly service fees. Low opening deposit of $100 (new money only). Tiered interest where balances up to $5,000 earn 4.64% APY, $5,000-$10,000 earn 2.31% APY, and over $10,000 earn 0.40% APY. Limit 1 Progressive Savings per primary account holder. Membership in MSCU is required with a $5 deposit into a Membership Account.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 4.54% |
| $5,000 – $10,000 | 2.29% |
| $10,000 and up | 0.40% |
On $10,000 the tiers blend to about 3.48% APY, earning $348 a year.
Sources (3)
All captured Oct 22, 2026
Money Market Special
2.25%APY
Minimum deposit is $2,500 on new money only (funds not currently on deposit at MSCU). Existing funds can be added during term. Minimum $5 balance in membership share savings account required. After the promotional period ends, rates revert to standard Money Market Savings rates and tiers in effect. MSCU reserves the right to convert the promotional account to a standard Money Market Savings account without prior notice. Mutual Security limits the aggregate deposit balance of a member to $250,000 unless approved by Management in advance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit of $2,500 on new money only; existing funds can be added during term. Minimum $5 balance in membership share savings account required. Variable rate; funds may be withdrawn at any time without penalty. After promotional period ends, rates revert to standard Money Market Savings rates and tiers.Any balance | 2.25% | $225 | Minimum opening deposit of $2,500 on new money only; existing funds can be added during term. Minimum $5 balance in membership share savings account required. Variable rate; funds may be withdrawn at any time without penalty. After promotional period ends, rates revert to standard Money Market Savings rates and tiers. |
Savings Account
0.10%APY
Membership in MSCU is required with a $5 deposit into a Membership Account. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Holiday Club
0.10%APY
Up to two withdrawals per year. Savings automatically transfer to checking account in October. Account renews after holidays.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upUp to two withdrawals per year.$100 and up | 0.10% | $10 | Up to two withdrawals per year. |
Vacation Club
0.10%APY
No withdrawal limitations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo withdrawal limitations.$100 and up | 0.10% | $10 | No withdrawal limitations. |
Health Savings Accounts (HSA)
0.05%APY
Zero maintenance fees. Account closing fee $35.00. Tax-free distributions for qualified medical expenses for high-deductible health plans.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
| Up to $2,500 | 0.05% | — |
Who can join MSCU
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, worships, or attends school in Fairfield, Litchfield, or New Haven counties in Connecticut.
Family and household
- Family members of current members are eligible to join.
Membership information collected October 4, 2026.