Credit union · NCUA insured
Mutual Savings Credit Union Savings Rates
Mutual Savings Credit Union’s best savings rate is 0.65% APY on $10,000, with its Select Money Market. Rates checked October 22, 2026.
How Mutual Savings Credit Union’s savings rates compare
Compared with banks and credit unions near Birmingham, AL, where Mutual Savings Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mutual Savings Credit Union
0.65%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $65
Select Money Market
Top rate
Guardian Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
2nd-highest rate
SouthPoint Bank
4.00%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $400
Mutual Savings Credit Union savings score
81
Savings score
Higher than 54% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.65%
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 Savings 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.
Elite Money Market
Up to 3.50%APY
Membership eligibility requirements apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25,000 – $75,000 | 1.50% | — |
| $75,000 – $100,000 | 2.00% | — |
| $100,000 – $200,000 | 2.50% | — |
| $200,000 and up | 3.50% | — |
Sources (2)
- mutualsavings.org/mutual-savings-and-you/become-a-member
- mutualsavings.org/everyday-living/savings-rates
All captured Oct 5, 2026
Select Money Market
0.65%APY
Membership eligibility requirements apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 0.65% | $65 |
| $25,000 – $75,000 | 1.25% | — |
| $75,000 – $100,000 | 1.50% | — |
| Over $100,000 | 2.00% | — |
Sources (2)
- mutualsavings.org/mutual-savings-and-you/become-a-member
- mutualsavings.org/everyday-living/savings-rates
All captured Oct 5, 2026
Share Savings Account
0.05%APY
Ownership of Mutual Savings Credit Union begins with a $25 deposit into a Share Savings account. Membership eligibility requires living, working, worshipping, or attending school in specified Alabama counties/areas, being an immediate family member of an existing member, or working for a Preferred Partner Group.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum Balance to earn APY: $100.00.$100 and up | 0.05% | $5 | Minimum Balance to earn APY: $100.00. |
Special-purpose accounts
Basic/Vacation Club
0.10%APY
Also called a Vacation Club account. Interest paid quarterly. Withdrawal limit: six (6) per quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum Balance to earn APY: $100.00. Minimum Opening Deposit: $10.00. No monthly fee. Interest paid quarterly. Allowed six (6) withdrawals per quarter.$100 and up | 0.10% | $10 | Minimum Balance to earn APY: $100.00. Minimum Opening Deposit: $10.00. No monthly fee. Interest paid quarterly. Allowed six (6) withdrawals per quarter. |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.10%APY
Funds built up are automatically transferred into checking or savings on Nov. 1. No withdrawals allowed until November 1st ($10 fee for early withdrawals). Pays a quarterly interest rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum Balance to earn APY: $100.00. Minimum Opening Deposit: $10.00. No monthly fee. Pays a quarterly interest rate. Withdrawal limit: none allowed until November 1st ($10 fee for early withdrawals).$100 and up | 0.10% | $10 | Minimum Balance to earn APY: $100.00. Minimum Opening Deposit: $10.00. No monthly fee. Pays a quarterly interest rate. Withdrawal limit: none allowed until November 1st ($10 fee for early withdrawals). |
Sources (2)
All captured Oct 5, 2026
IRA Club
0.10%APY
Individual Retirement Club Account offering tax-deferred savings with contributions up to the IRS annual maximum contribution limit. Withdrawals may incur penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum Balance to earn APY: $100.00. No minimum opening deposit. No monthly fee. Pays a quarterly interest rate.$100 and up | 0.10% | $10 | Minimum Balance to earn APY: $100.00. No minimum opening deposit. No monthly fee. Pays a quarterly interest rate. |
Sources (2)
All captured Oct 5, 2026
Super Savers Club
0.05%APY
Tiered savings account where interest is paid monthly. No limit on the balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $20,000Interest is paid monthly. | 0.05% | $5 | Interest is paid monthly. |
| $20,000 – $50,000Interest is paid monthly. | 0.05% | — | Interest is paid monthly. |
| $50,000 – $100,000Interest is paid monthly. | 0.05% | — | Interest is paid monthly. |
| Over $100,000Greater than $100,000.00. Interest is paid monthly. | 0.05% | — | Greater than $100,000.00. Interest is paid monthly. |
Sources (2)
All captured Oct 5, 2026
Who can join Mutual Savings Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible to join if you live, work, worship, or attend school within a 50-mile radius of Alexander City.
- Eligible to join if you reside in, work, worship, or attend school in Autauga, Bibb, Blount, Chilton, Clay, Coosa, Dallas, Jefferson, Shelby, St. Clair, Talladega, Tuscaloosa, or Walker County.
Employers and groups
- Eligible to join if you work for one of Mutual Savings Credit Union's Preferred Partner Groups.
Family and household
- Eligible to join if you are an immediate family member of a current member.
Membership information collected October 4, 2026.