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.

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Savings & Checking Rates

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Dividend Rates and Annual Percentage Yields are effective.

Thursday, February 19, 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 - $24,999.990.75%0.75%
$25,000.00 - $49,999.990.95%0.95%
$50,000.00 - $99,999.991.10%1.09%
$100,000.00 - $249,999.991.45%1.44%
$250,000.00 or more1.75%1.74%

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 - $24,999.990.75%0.75%
$25,000.00 - $49,999.990.95%0.95%
$50,000.00 - $99,999.991.10%1.09%
$100,000.00 - $249,999.991.45%1.44%
$250,000.00 or more1.75%1.74%

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.

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