Savings and Checking Rates

No matter what your income, age or goals, you'll discover a wide variety of savings accounts and programs at Members 1st.

Open an account

Savings & Checking Rates

Print This Page

Dividend Rates and Annual Percentage Yields are effective.

Sunday, September 13, 2026

Regular Savings
(Minimum Opening Deposit $5)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$50.00 or more0.25%0.25%

Savings (members under the age of 22)
(Minimum Opening Deposit $5)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$5.00 or more0.25%0.25%

Kids 1st Club or iMember
(Minimum Opening Deposit $5)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$5.00 or more0.25%0.25%

Checking
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$2,500.00 or more0.10%0.10%

Health Savings Account
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 - $2,499.990.25%0.25%
$2,500.00 - $24,999.990.30%0.30%
$25,000.00 or more0.35%0.35%

Money Market
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 - $2,499.990.05%0.05%
$2,500.00 - $24,999.990.80%0.80%
$25,000.00 - $49,999.991.00%1.00%
$50,000.00 - $99,999.991.30%1.29%
$100,000.00 - $249,999.991.70%1.69%
$250,000.00 or more2.00%1.98%

Holiday Club or Vacation Club
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 or more0.30%0.30%

IRA Money Market
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$0.00 - $2,499.990.05%0.05%
$2,500.00 - $24,999.990.80%0.80%
$25,000.00 - $49,999.991.00%1.00%
$50,000.00 - $99,999.991.30%1.29%
$100,000.00 - $249,999.991.70%1.69%
$250,000.00 or more2.00%1.98%

Supplemental Savings
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$50.00 or more0.25%0.25%

Goal Savings
(Minimum Opening Deposit $0)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$50.00 or more0.25%0.25%

Secured Credit Card Savings
(Minimum Opening Deposit $500)

Balance to Earn APYAnnual Percentage YieldDividend Rate
$500.00 or more0.25%0.25%
  • Rates are subject to change without notice.
  • Rate may change after account is open.
  • Fees could reduce the earnings on accounts.

Insured by NCUA.

Please be aware that by continuing you will be leaving www.members1st.org and viewing content from another website.

For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.