Credit union · NCUA insured
MTC Federal Credit Union Savings Rates
MTC Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How MTC Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Greenville, SC, where MTC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MTC Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
High-Yield Savings Account
Top rate
Market USA Federal Credit Union
3.75%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $375
3rd-highest rate
Truliant Federal Credit Union
3.40%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $340
MTC Federal Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.27%
- QualifiedQualified3.50%
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 MTC 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.
High-Yield Savings Account
Up to 3.50%APY
A High-Yield Checking or Cash Back Checking account is required to have a High-Yield savings account. Limit of one account per member. No monthly maintenance fee, no minimum deposit to open, and no minimum balance required to earn rewards. Qualifying for linked High-Yield or Cash Back Checking rewards requires at least 15 debit card transactions, at least 1 direct deposit or ACH payment transaction, and enrollment in e-statements during each Monthly Qualification Cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Requires linked High-Yield Checking or Cash Back Checking account qualifications met during Monthly Qualification Cycle (15+ debit card transactions, 1+ direct deposit/ACH, and enrolled in e-statements). | 3.50% | $350 | Requires linked High-Yield Checking or Cash Back Checking account qualifications met during Monthly Qualification Cycle (15+ debit card transactions, 1+ direct deposit/ACH, and enrolled in e-statements). |
| Any balanceBase rate earned on entire average daily balance when linked High-Yield Checking or Cash Back Checking account qualifications are not met. | 0.05% | $5 | Base rate earned on entire average daily balance when linked High-Yield Checking or Cash Back Checking account qualifications are not met. |
Sources (3)
- mtcfederal.com/cash-back-checking
- mtcfederal.com/credit-union-accounts/savings
- mtcfederal.com/high-yield-checking
All captured Oct 9, 2026
Money Market Account Plus
Up to 2.52%APY
Interest is compounded daily and paid monthly. Limited to six withdrawals per month; subject to a $10 fee per excessive withdrawal. A $10.00 monthly fee applies if balance falls below the minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $15,000 – $50,000 | 1.35% | — |
| $50,000 – $75,000 | 1.56% | — |
| $75,000 – $100,000 | 1.81% | — |
| $100,000 – $250,000 | 2.27% | — |
| $250,000 and up | 2.52% | — |
Sources (3)
- mtcfederal.com/articles/deposit-account-rates
- mtcfederal.com/credit-union-accounts/money-market
- mtcfederal.com/articles/schedule-of-fees
All captured Oct 15, 2026
Money Market Account
1.00%APY
Interest is compounded daily and paid monthly. Limited to six withdrawals per month; subject to a $10 fee per excessive withdrawal. A $10.00 monthly fee applies if balance falls below the minimum balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $15,000 | 1.00% | $100 |
| $15,000 – $50,000 | 1.00% | — |
| $50,000 – $75,000 | 1.20% | — |
| $75,000 – $100,000 | 1.45% | — |
| $100,000 and up | 1.91% | — |
Sources (3)
- mtcfederal.com/articles/deposit-account-rates
- mtcfederal.com/credit-union-accounts/money-market
- mtcfederal.com/articles/schedule-of-fees
All captured Oct 15, 2026
Share Savings Account
0.10%APY
Initial deposit of $50 required to open and establishes MTC Federal Credit Union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $7,500 | 0.10% | — |
| $7,500 – $15,000 | 0.10% | $10 |
| $15,000 – $50,000 | 0.10% | — |
| $50,000 – $75,000 | 0.20% | — |
| $75,000 – $100,000 | 0.30% | — |
| $100,000 and up | 0.40% | — |
Sources (2)
All captured Oct 9, 2026
Custom Savings Account
0.10%APY
No minimum deposit required to open. Set up as many Custom Savings accounts as desired.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $7,500 | 0.10% | — |
| $7,500 – $15,000 | 0.10% | $10 |
| $15,000 – $50,000 | 0.10% | — |
| $50,000 and up | 0.20% | — |
Sources (3)
- mtcfederal.com/articles/deposit-account-rates
- mtcfederal.com/credit-union-accounts/savings
- mtcfederal.com/credit-union-accounts/youth
All captured Oct 9, 2026
Special-purpose accounts
IRA Savings
1.26%APY
Available for Traditional and Roth IRAs. Initial deposit of $250 required. Minimum balance of $250 to earn APY and avoid fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upOver $250. Minimum balance to earn APY and avoid fees is $250.$250 and up | 1.26% | $126 | Over $250. Minimum balance to earn APY and avoid fees is $250. |
Sources (2)
All captured Oct 9, 2026
Early Savers Account
0.10%APY
For kids ages 12 and under. Initial deposit of $10 required. Membership of parent or guardian may be required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $7,500 | 0.10% | — |
| $7,500 – $15,000 | 0.10% | $10 |
| $15,000 – $50,000 | 0.10% | — |
| $50,000 and up | 0.20% | — |
Sources (2)
All captured Oct 9, 2026
Teen Savers Account
0.10%APY
For ages 13-17. Initial deposit of $10 required. Membership of parent or guardian may be required. No service charges.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $7,500 | 0.10% | — |
| $7,500 – $15,000 | 0.10% | $10 |
| $15,000 – $50,000 | 0.10% | — |
| $50,000 and up | 0.20% | — |
Sources (2)
All captured Oct 9, 2026
Closed to new customers
Christmas Club Savings Account
0.10%APY
Available to current members. No monthly service fee. 1 free withdrawal allowed per year. Funds automatically transfer to share savings account on October 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $7,500 | 0.10% | — |
| $7,500 – $15,000 | 0.10% | $10 |
| $15,000 – $50,000 | 0.10% | — |
| $50,000 and up | 0.20% | — |
Sources (2)
All captured Oct 9, 2026
Who can join MTC 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
- Residents in specific geographic regions, including Carter County, Oklahoma, and parts of Greenville, Anderson, and Pickens counties in South Carolina, are eligible to join.
Employers and groups
- Eligible inpatriates, expatriates, and international employees working in the United States for one of MTC Federal's current business partners are eligible for membership.
- Employees and contractors of MTC Federal preferred employee groups (PEGs) are eligible for membership.
Family and household
- Immediate family members (including spouses, children, parents, grandparents, grandchildren, and siblings) and household members of living or deceased credit union members are eligible to join.
Other ways
- Anyone outside the geographic eligibility areas can become eligible by joining Friends of the Foundation through the Carolinas Credit Union Foundation.
Cost to join
- Membership is established by opening a Share Savings account with a $50 initial deposit.
Membership information collected October 4, 2026.