Credit union · NCUA insured
MyPoint Credit Union Savings Rates
MyPoint Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Management Account. Rates checked October 16, 2026.
How MyPoint Credit Union’s savings rates compare
Compared with banks and credit unions near San Diego, CA, where MyPoint Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MyPoint Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Management Account
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
MyPoint Credit Union savings score
63
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.10%
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 MyPoint 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.
Money Management Account
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Balance: $0.00 - $999.99 | 0.00% | — | Balance: $0.00 - $999.99 |
| $1,000 – $10,000Balance: $1,000.00 - $9,999.99 | 0.05% | — | Balance: $1,000.00 - $9,999.99 |
| $10,000 – $25,000Balance: $10,000.00 - $24,999.99 | 0.10% | $10 | Balance: $10,000.00 - $24,999.99 |
| $25,000 – $50,000Balance: $25,000.00 - $49,999.99 | 0.15% | — | Balance: $25,000.00 - $49,999.99 |
| $50,000 – $100,000Balance: $50,000.00 - $99,999.99 | 0.20% | — | Balance: $50,000.00 - $99,999.99 |
| $100,000 and upBalance: $100,000.00 + | 0.25% | — | Balance: $100,000.00 + |
Sources (1)
- mypointcu.com/bank/rates/deposit-rates · captured Sep 16, 2026
Share Savings Account
0.03%APY
Savings account maintenance fee is $3 per month for accounts with only regular savings and an average daily balance less than $300 (youth accounts exempt).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $300$3 per month maintenance fee applies if average daily balance is less than $300 and member has only regular savings. | 0.01% | — | $3 per month maintenance fee applies if average daily balance is less than $300 and member has only regular savings. |
| $300 – $2,500 | 0.02% | — | |
| $2,500 and up | 0.03% | $3 |
Sources (3)
- mypointcu.com/bank/rates/deposit-rates
- mypointcu.com/bank/savings/savings-accounts
- mypointcu.com/schedule-of-fees-and-charges
All captured Sep 16, 2026
Special-purpose accounts
IRA Savings Account (including Roth)
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Looney Tunes™ Savings Club
0.05%APY
For kids ages 0-12. Requires $5.00 opening deposit and $5 minimum balance to maintain. $5 membership fee is waived. Adult joint owner and Social Security Number required. Converts to a Secondary Savings Account at age 13.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.02% | — |
| $2,500 and up | 0.05% | $5 |
Sources (3)
- mypointcu.com/bank/rates/deposit-rates
- mypointcu.com/bank/savings/child-savings
- mypointcu.com/bank/savings/savings-accounts
All captured Sep 16, 2026
Who can join MyPoint Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, or worships in San Diego and Riverside Counties.
Family and household
- Immediate family members of existing members are eligible to join.
Membership information collected October 5, 2026.