Credit union · NCUA insured
My Community Credit Union Savings Rates
My Community Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How My Community Credit Union’s savings rates compare
Compared with banks and credit unions near Midland, TX, where My Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
My Community Credit Union
0.85%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $85
Kasasa Saver
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
My Community Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.85%
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 My Community 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.
Kasasa Saver
Up to 0.85%APY
Must be linked to a free Kasasa checking account (Kasasa Cash, Kasasa Cash Back, Kasasa Eats, Kasasa Eats (Teen), Kasasa Play, or Kasasa Play (Teen)). Automatic transfers of Kasasa checking earnings to Kasasa Saver. No recurring monthly service charges or fees. Limit 1 account per individual taxpayer identification number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Applies when qualifying transactions are met in the linked Kasasa checking account during each Monthly Qualification Cycle (such as direct deposit/ACH, 12 debit card purchases, eStatements, and online banking log-in). | 0.85% | $85 | Applies when qualifying transactions are met in the linked Kasasa checking account during each Monthly Qualification Cycle (such as direct deposit/ACH, 12 debit card purchases, eStatements, and online banking log-in). |
| Any balanceBase rate earned on all balances when qualifications in the linked Kasasa checking account are not met during the Monthly Qualification Cycle. | 0.06% | $6 | Base rate earned on all balances when qualifications in the linked Kasasa checking account are not met during the Monthly Qualification Cycle. |
| Over $25,000Earns 0.75% interest rate on the portion of balance over $25,000, resulting in a blended range from 0.85% to 0.75% APY depending on the balance, when qualifications are met in the linked Kasasa checking account. | 0.75% | — | Earns 0.75% interest rate on the portion of balance over $25,000, resulting in a blended range from 0.85% to 0.75% APY depending on the balance, when qualifications are met in the linked Kasasa checking account. |
Money Market
0.15%APY
Avoid the monthly service fee by maintaining a $2,500 minimum balance. Dividends will be compounded and credited monthly based on Average Daily Balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum balance to earn is $2,500.00. Balance tier $0-25,000. | 0.15% | $15 | Minimum balance to earn is $2,500.00. Balance tier $0-25,000. |
| Over $25,000Minimum balance to earn is $2,500.00. Balance tier $25,000.01 & over. | 0.20% | — | Minimum balance to earn is $2,500.00. Balance tier $25,000.01 & over. |
Sources (2)
- mccu.coop/checking-savings/per…-cash-back-checking.html
- mccu.coop/checking-savings/per…oney-market-account.html
All captured Sep 25, 2026
Regular Savings Account
0.10%APY
Comes standard with My Community membership. Requires maintaining a $5.00 minimum balance at all times and demonstrating regular activity to keep account open. Dividends compounded and credited monthly based on Average Daily Balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Minimum balance to earn dividends is $5.00. | 0.10% | $10 | Minimum balance to earn dividends is $5.00. |
| Over $25,000Minimum balance to earn dividends is $5.00. | 0.10% | — | Minimum balance to earn dividends is $5.00. |
Special-purpose accounts
Christmas Club
0.50%APY
No monthly service fee and no minimum balance requirements. Funds automatically transfer to primary share account on November 1st. Account remains open after funds are released. Early withdrawal may result in a fee of all accrued, uncredited dividends and account closure. Dividends compounded and credited monthly based on Average Daily Balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.50% | $50 |
| Over $25,000 | 0.50% | — |
IRA Savings
0.10%APY
Traditional and Roth IRA savings options available. No setup fees, and no monthly or annual maintenance fees. Traditional IRA has no income limits or minimum contribution requirement to open. Dividends compounded and credited monthly based on Average Daily Balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.10% | $10 |
| Over $25,000 | 0.10% | — |
Who can join My Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Collin, Ector, or Midland County is eligible for membership.
Family and household
- Immediate family members of anyone who lives, works, worships, or attends school in Collin, Ector, or Midland County are eligible for membership.
Cost to join
- Joining requires depositing $5 into a savings account.
Membership information collected October 5, 2026.