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Members 1st Credit Union assists its members through a wide assortment of products and services to make sound financial decisions that lead to their improved financial well-being.

Deposit Rates


Effective date 7/1/20

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. government agency.


Deposit Rates Table
ACCOUNTMINIMUM BALANCE1APY2
Regular Shares$50.05%
Christmas SharesNone0.05%
Real Estate EscrowNone0.05%
Special SharesNone0.05%
Youth Shares$50.20%
IRA Shares$1000.25%
Money Market3 – Effective date 7/1/20
$2,500 - $19,999$2,5000.10%
$20,000 - $49,999$2,5000.15%
$50,000 - $74,999$2,5000.20%
$75,000+$2,5000.25%
Certificates of Deposit – Effective date 7/1/20 (Substantial penalty for early withdrawal)
6-month term$1,0000.451%
12-month term$1,0000.55%
24-month term$1,0000.65%
36-month term$1,0000.75%
48-month term$1,0000.85%
60-month term$1,0001.00%

1Minimum balance requirements apply to average daily balance (amount of principal in account each day). Dividends are declared, compounded and credited to your account specified in your Members 1st Credit Union account agreement and account disclosures. 2APY=Annual Percentage Yield. All dividends/deposit rates are variable and may change at any time. 3Dividends are earned on the entire balance, based on the tier in which your average daily balance falls.