Credit union · Privately insured
MyUSA Credit Union Savings Rates
MyUSA Credit Union’s best savings rate is 0.07% APY on $10,000, with its Premier Savings. Rates checked October 16, 2026.
How MyUSA Credit Union’s savings rates compare
Compared with banks and credit unions near Dayton, OH, where MyUSA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MyUSA Credit Union
0.07%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $7
Premier Savings
Top rate
Pathways Financial Credit Union
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
MyUSA Credit Union savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0002.05%
- QualifiedQualified0.07%
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 MyUSA 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 Savings
0.07%APY
Must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00. If the balance falls below $2,000 at any time during the month a fee will be charged. A balance of $0.01 is required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Earns 0.07% APY on balances up to $24,999. If balance falls below $2,000 at any time during month a fee will be charged. A balance of $0.01 is required to earn dividends. | 0.07% | $7 | Earns 0.07% APY on balances up to $24,999. If balance falls below $2,000 at any time during month a fee will be charged. A balance of $0.01 is required to earn dividends. |
| $25,000 – $99,999Earns 1.50% APY on portion of average daily balance $25,000 – $99,999. If balance falls below $2,000 at any time during month a fee will be charged. | 1.50% | — | Earns 1.50% APY on portion of average daily balance $25,000 – $99,999. If balance falls below $2,000 at any time during month a fee will be charged. |
| $100,000 and up2.05% APY paid only on portion of average daily balance greater than $100,000. If balance falls below $2,000 at any time during month a fee will be charged. | 2.05% | — | 2.05% APY paid only on portion of average daily balance greater than $100,000. If balance falls below $2,000 at any time during month a fee will be charged. |
Main Savings
0.05%APY
Must maintain a Main Share Membership Savings Account with a balance of $5.00 to establish membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 deposit establishes membership.Any balance | 0.05% | $5 | $5 deposit establishes membership. |
Simple Savings
0.05%APY
Must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00. A balance of $0.01 is required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0A balance of $0.01 is required to earn dividends. There is no minimum balance to open, but must maintain Main Share Membership Savings Account with $5.00 balance.Over $0 | 0.05% | $5 | A balance of $0.01 is required to earn dividends. There is no minimum balance to open, but must maintain Main Share Membership Savings Account with $5.00 balance. |
Special-purpose accounts
Student Savings
5.13%APY
Available to individuals up to age 17, or older with current student ID. Must meet membership eligibility and maintain a Main Share Membership Savings Account with a balance of $5.00. A balance of $0.01 is required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Portion of average daily balance $0.00 – $1,000 earns 0.05% APY. A balance of $0.01 is required to earn dividends. Available up to age 17, or older with student ID. | 0.05% | — | Portion of average daily balance $0.00 – $1,000 earns 0.05% APY. A balance of $0.01 is required to earn dividends. Available up to age 17, or older with student ID. |
| Over $1,0005.13% APY paid only on portion of average daily balance greater than $1,000.01. Available up to age 17, or older with student ID. | 5.13% | $513 | 5.13% APY paid only on portion of average daily balance greater than $1,000.01. Available up to age 17, or older with student ID. |
IRA
0.07%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.03% | — |
| $2,500 – $9,999 | 0.07% | — |
| $10,000 – $24,999 | 0.07% | $7 |
| $25,000 and up | 0.12% | — |
Sources (1)
- myusacu.com/rates · captured Sep 18, 2026
Who can join MyUSA 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 Butler, Clark, Greene, Miami, Montgomery, or Warren counties is eligible for membership.
Cost to join
- A $5 opening deposit is required to open an account and become a member.
Membership information collected October 5, 2026.