Credit union · NCUA insured
MTCU Savings Rates
MTCU’s best savings rate is 0.73% APY on $10,000, with its Money Market Shares. Rates checked October 16, 2026.
How MTCU’s savings rates compare
Compared with banks and credit unions near Midland, TX, where MTCU has the most branches. $10,000, best rate first.
This credit union’s best
MTCU
0.73%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $73
Money Market Shares
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Minimum
- $0
- Earns on $10,000 a year
- $315
MTCU savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.73%
- $100,000 balance$100,0001.16%
- QualifiedQualified0.73%
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 MTCU 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 Shares
0.73%APY
Dividends credited monthly. Dividend rates and Annual Percentage Yield may change monthly as determined by the Credit Union's Board of Directors. $2,500 minimum balance to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Credited Frequency: Monthly | 0.73% | $73 | Credited Frequency: Monthly |
| $25,000 – $50,000Credited Frequency: Monthly | 0.84% | — | Credited Frequency: Monthly |
| $50,000 – $99,000Credited Frequency: Monthly | 0.94% | — | Credited Frequency: Monthly |
| Over $99,000Credited Frequency: Monthly | 1.16% | — | Credited Frequency: Monthly |
Sources (1)
- mtcu.org/resources/member-information/rates · captured Oct 6, 2026
Regular Shares/Special Tiered
0.05%APY
Dividends credited monthly. Minimum deposit to open is $25.00. Account limitations apply: maximum of 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Dividends credited monthly. Earn dividends with $100 minimum balance. | 0.05% | $5 | Dividends credited monthly. Earn dividends with $100 minimum balance. |
| $10,000 – $25,000Dividends credited monthly. | 0.20% | — | Dividends credited monthly. |
| $25,000 – $50,000Dividends credited monthly. | 0.25% | — | Dividends credited monthly. |
| Over $50,000Dividends credited monthly. | 0.45% | — | Dividends credited monthly. |
Sources (2)
All captured Oct 6, 2026
Kasasa Saver
Up to 0.20%APY
Pairs with Kasasa Cash and Cash Back checking accounts. Account limitations apply: maximum of 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Qualifications met. Balance less than $10,000.00. | 0.20% | $20 | Qualifications met. Balance less than $10,000.00. |
| Any balanceBase rate paid when qualifications are not met. | 0.01% | $1 | Base rate paid when qualifications are not met. |
| Over $10,000Qualifications met. Balance greater than $10,000.01. | 0.25% | — | Qualifications met. Balance greater than $10,000.01. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Savings Account
0.46%APY
Traditional and Roth IRAs available. Dividends paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Dividends credited monthly. Balance less than $25,000. | 0.46% | $46 | Dividends credited monthly. Balance less than $25,000. |
| $25,000 – $50,000Dividends credited monthly. | 0.59% | — | Dividends credited monthly. |
| $50,000 – $99,000Dividends credited monthly. | 0.71% | — | Dividends credited monthly. |
| Over $99,000Dividends credited monthly. | 0.84% | — | Dividends credited monthly. |
Sources (2)
All captured Oct 6, 2026
Who can join MTCU
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, worship, attend school, or do business with other legal entities in the Texas counties of Midland, Martin, Glasscock, Andrews, Crane, Ector, Howard, Winkler, Ward, Reagan, or Upton are eligible to join MTCU.
Cost to join
- Joining MTCU requires a minimum deposit of $25 into a savings account.
Membership information collected October 5, 2026.