Credit union · NCUA insured
Mutual 1st Federal Savings Rates
Mutual 1st Federal’s best savings rate is 0.10% APY on $10,000, with its Personal Savings Account. Rates checked October 22, 2026.
How Mutual 1st Federal’s savings rates compare
Compared with banks and credit unions near Omaha, NE-IA, where Mutual 1st Federal has the most branches. $10,000, best rate first.
This credit union’s best
Mutual 1st Federal
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $200
Kasasa Saver Account
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornhusker Bank
3.46%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $346
Mutual 1st Federal savings score
73
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.05%
- QualifiedQualified2.00%
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 Mutual 1st Federal 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.
Kasasa Saver Account
Up to 2.00%APY
Requires a linked Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per social security number. $5.00 minimum deposit required to open. Monthly direct deposit/ACH credit and enrollment in electronic statements required on linked checking account to qualify for rewards.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Earned on balances up to $15,000.00 when qualifications are met on linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle. | 2.00% | $200 | Earned on balances up to $15,000.00 when qualifications are met on linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle. |
| Any balanceBase rate earned on all balances when qualifications are not met on linked Kasasa Cash or Kasasa Cash Back account. | 0.05% | $5 | Base rate earned on all balances when qualifications are not met on linked Kasasa Cash or Kasasa Cash Back account. |
| $15,000 and upEarned on the portion of balance over $15,000.00 (resulting in a range from 0.05% to 2.00% APY depending on balance) when qualifications are met on linked Kasasa Cash or Kasasa Cash Back account. | 0.30% | — | Earned on the portion of balance over $15,000.00 (resulting in a range from 0.05% to 2.00% APY depending on balance) when qualifications are met on linked Kasasa Cash or Kasasa Cash Back account. |
Sources (2)
- mutualfirst.com/banking/person…stmas-club-vacation-club
- mutualfirst.com/banking/person…banking/savings-accounts
All captured Sep 24, 2026
Personal Savings Account
0.10%APY
Requires $5 membership share to open. Dividends paid quarterly. No minimum balance after membership. No monthly fees when enrolled in e-statements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends paid quarterly. No monthly fee when enrolled in e-statements. Minimum deposit to open share account is $5.00. Rate applies to balances < $10,000.Up to $10,000 | 0.10% | $10 | Dividends paid quarterly. No monthly fee when enrolled in e-statements. Minimum deposit to open share account is $5.00. Rate applies to balances < $10,000. |
Sources (2)
- mutualfirst.com/banking/person…stmas-club-vacation-club
- mutualfirst.com/banking/person…banking/savings-accounts
All captured Sep 24, 2026
Special-purpose accounts
Christmas Club Account
0.15%APY
Must first establish a share (savings) account with a minimum of $5.00. No fee when enrolled in e-statements. Dividends paid on October 31st of each year; balance and dividends transferred to share savings account on November 1st.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. Dividends paid October 31st of each year. Balance and dividends transferred to share savings account on November 1st. No monthly fee when enrolled in e-statements.Any balance | 0.15% | $15 | No minimum balance. Dividends paid October 31st of each year. Balance and dividends transferred to share savings account on November 1st. No monthly fee when enrolled in e-statements. |
Sources (1)
- mutualfirst.com/banking/person…stmas-club-vacation-club · captured Sep 24, 2026
Health Savings Account
0.15%APY
Must be enrolled in a high-deductible health plan through employer. Membership established by a primary share savings account with a $5.00 minimum balance. $25.00 annual fee charged on July 31 waived with a Kasasa Checking account, a first mortgage loan, or an auto loan with a balance of $10,000.00 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends accrued tax-free and paid quarterly. Annual fee of $25.00 charged July 31 waived with qualifying Kasasa Checking, first mortgage loan, or auto loan of $10,000.00 or more.Any balance | 0.15% | $15 | Dividends accrued tax-free and paid quarterly. Annual fee of $25.00 charged July 31 waived with qualifying Kasasa Checking, first mortgage loan, or auto loan of $10,000.00 or more. |
Sources (2)
- mutualfirst.com/banking/person…stmas-club-vacation-club
- mutualfirst.com/banking/person…alth-savings-account-hsa
All captured Sep 24, 2026
IRAs (Individual Retirement Accounts)
0.15%APY
Offers Traditional and Roth IRA savings options. Rates are variable and may change after the account is opened. Minimum balance $1,000; minimum balance for Youth Accounts is $500 (under age 18).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceIRA Savings Account. Rates are variable and may change after the account is opened. Minimum balance $1,000 ($500 for Youth Accounts under age 18).Any balance | 0.15% | $15 | IRA Savings Account. Rates are variable and may change after the account is opened. Minimum balance $1,000 ($500 for Youth Accounts under age 18). |
Sources (1)
- mutualfirst.com/banking/person…banking/savings-accounts · captured Sep 24, 2026
Vacation Club Account
0.15%APY
Must first establish a share (savings) account with a minimum of $5.00. No fee when enrolled in e-statements. Dividends paid on May 31st of each year. May withdraw money once per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. Dividends paid May 31st of each year. May withdraw money once per year. No monthly fee when enrolled in e-statements.Any balance | 0.15% | $15 | No minimum balance. Dividends paid May 31st of each year. May withdraw money once per year. No monthly fee when enrolled in e-statements. |
Sources (1)
- mutualfirst.com/banking/person…stmas-club-vacation-club · captured Sep 24, 2026
Who can join Mutual 1st Federal
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.