Credit union · NCUA insured
MY CREDIT UNION Savings Rates
MY CREDIT UNION’s best savings rate is 0.60% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How MY CREDIT UNION’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where MY CREDIT UNION has the most branches. $10,000, best rate first.
This credit union’s best
MY CREDIT UNION
0.90%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $90
Money Market
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
MY CREDIT UNION savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0001.41%
- QualifiedQualified0.60%
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 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.
Premium Money Market
0.80%APY
Must maintain $5 in Membership Share Account for membership eligibility.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $25,000Minimum daily balance to earn stated APY is $1. Tier applies to balances below $25,000. · $25,000 to open | 0.80% | $25,000 | $80 | Minimum daily balance to earn stated APY is $1. Tier applies to balances below $25,000. |
| $25,000 – $99,000Minimum daily balance to earn stated APY is $25,000. Tier applies to balances $25,000 - $99,000. · $25,000 to open | 1.00% | $25,000 | — | Minimum daily balance to earn stated APY is $25,000. Tier applies to balances $25,000 - $99,000. |
| $100,000 – $249,999Minimum daily balance to earn stated APY is $100,000. Tier applies to balances $100,000 - $249,999. · $100,000 to open | 1.41% | $100,000 | — | Minimum daily balance to earn stated APY is $100,000. Tier applies to balances $100,000 - $249,999. |
| $250,000 and upMinimum daily balance to earn stated APY is $250,000. Tier applies to balances $250,000+. · $250,000 to open | 1.66% | $250,000 | — | Minimum daily balance to earn stated APY is $250,000. Tier applies to balances $250,000+. |
Sources (2)
All captured Oct 5, 2026
Money Market
Up to 0.90%APY
Must maintain $5 in Membership Share Account for membership eligibility. Offers typically higher rate of return than standard Regular Share Account.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $5,000Minimum daily balance to earn stated APY is $1. Tier applies to balances below $5,000. · $5,000 to open | 0.30% | $5,000 | — | Minimum daily balance to earn stated APY is $1. Tier applies to balances below $5,000. |
| $5,000 and upMinimum daily balance to earn stated APY is $5,000. Tier applies to balances above $25,000. · $25,000 to open | 0.90% | $25,000 | $90 | Minimum daily balance to earn stated APY is $5,000. Tier applies to balances above $25,000. |
| $5,000 – $24,999Minimum daily balance to earn stated APY is $5,000. Tier applies to balances $5,000 - $24,999. · $5,000 to open | 0.60% | $5,000 | $60 | Minimum daily balance to earn stated APY is $5,000. Tier applies to balances $5,000 - $24,999. |
Sources (3)
All captured Oct 5, 2026
Membership Share
0.10%APY
All qualified members must maintain $5 in their Membership Share Account to establish and maintain membership, providing equal vote and voice. Earns quarterly dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required to earn stated APY. Earns quarterly dividends as long as membership is maintained.Any balance | 0.10% | $10 | No minimum daily balance required to earn stated APY. Earns quarterly dividends as long as membership is maintained. |
Regular Share
0.10%APY
Dividends are paid on a quarterly basis. Requires a $1 minimum opening deposit with no minimum balance required to earn dividends. Can be used as collateral for a Share Secured Loan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required to earn stated APY. Dividends paid quarterly.Any balance | 0.10% | $10 | No minimum daily balance required to earn stated APY. Dividends paid quarterly. |
Special-purpose accounts
HoneyBee Share
0.10%APY
Savings account offered for kids under the age of 12 to learn about saving and money management.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required to earn stated APY. For kids under the age of 12.Any balance | 0.10% | $10 | No minimum daily balance required to earn stated APY. For kids under the age of 12. |
Sources (2)
All captured Oct 5, 2026
IRA Share
0.10%APY
Savings account within an IRA plan (including Traditional and Roth IRAs). Requires no minimum balance and earns a variable dividend rate. Early withdrawals may be subject to Federal withdrawal penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required to earn stated APY. Earns a variable dividend rate.Any balance | 0.10% | $10 | No minimum daily balance required to earn stated APY. Earns a variable dividend rate. |
Who can join MY 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 persons who live, worship, attend school, volunteer, or work in businesses and other legal entities located in 15 specified Minnesota counties.
Employers and groups
- Eligible to members and volunteers of the Bloomington Crime Prevention Association, Bloomington, MN.
- Eligible to members of the National Cosmetology Association of Minnesota.
- Eligible to members, volunteers, and donors of MY CREDIT UNION Community Foundation.
Family and household
- Eligible to members of the same household, spouse, blood, or adoptive relatives of any regularly qualified member and their spouse.
Membership information collected October 4, 2026.