Credit union · NCUA insured
Mutual Credit Union Savings Rates
Mutual Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Mutual Credit Union’s savings rates compare
Compared with banks and credit unions near Jackson, MS, where Mutual Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mutual Credit Union
0.40%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $40
Premier Money Market Account
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Keesler Federal Credit Union
3.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $325
Mutual Credit Union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
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 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.
Premier Money Market Account
0.40%APY
Tiered rate account. Membership is open to anyone who lives, works, worships, volunteers, or attends school in designated counties and parishes across Mississippi, Alabama, Louisiana, Arkansas, and Tennessee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $150,000 | 0.40% | $40 |
| $150,000 – $250,000 | 1.50% | — |
| $250,000 and up | 2.50% | — |
Sources (1)
- mutualcu.org/personal/certificates-money-market · captured Oct 15, 2026
Money Market Account
0.40%APY
Membership is open to anyone who lives, works, worships, volunteers, or attends school in designated counties and parishes across Mississippi, Alabama, Louisiana, Arkansas, and Tennessee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Sources (1)
- mutualcu.org/personal/certificates-money-market · captured Oct 15, 2026
Secondary Savings
0.25%APY
Open multiple accounts to save for holidays, birthdays, vacations, and more. $10 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- mutualcu.org/personal/savings · captured Sep 19, 2026
Share Savings
0.25%APY
$5 one-time membership fee required to establish share of ownership. $5 monthly service charge is waivable by maintaining a $100 minimum combined balance across all Mutual Credit Union accounts. Competitive dividends earned on average daily balances of $100 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends earned on average daily balances of $100 or more. $5 monthly service charge waived with $100 combined balance across all accounts.Any balance | 0.25% | $25 | Dividends earned on average daily balances of $100 or more. $5 monthly service charge waived with $100 combined balance across all accounts. |
Sources (1)
- mutualcu.org/personal/savings · captured Sep 19, 2026
Special-purpose accounts
MY Investment Account
0.25%APY
Exclusive to children/youth from 0-19 years of age. $5 membership fee required. No monthly maintenance fees and no minimum balance requirements.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1 rate for balances up to $5,000. | 0.50% | — | Tier 1 rate for balances up to $5,000. |
| $5,000 and upTier 2 rate on $5,000+ ($5,001 and up). | 0.25% | $25 | Tier 2 rate on $5,000+ ($5,001 and up). |
Sources (2)
All captured Sep 19, 2026
IRA Share Account
0.25%APY
Traditional and Roth IRA options available. $10 annual maintenance fee applies. Subject to IRS contribution limits and early withdrawal penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$10 annual maintenance fee applies. Withdrawals strictly subject to IRS regulations and penalties.Any balance | 0.25% | $25 | $10 annual maintenance fee applies. Withdrawals strictly subject to IRS regulations and penalties. |
Who can join Mutual Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, worships, volunteers, or attends school within the credit union's designated service area across counties and parishes in Mississippi, Alabama, Louisiana, Arkansas, and Tennessee.
Cost to join
- Members can join the credit union with as little as $15.
Membership information collected October 4, 2026.