Deposit Accounts

Saving for your goals

We know that at the core of our members' motivations to save are matters far more meaningful than dollars and cents. So we've organized our entire saving experience around the moments and milestones that make the payoffs of saving so sweet.

What Are You Saving For?

Whatever it is, we offer powerful, personalized tools to help you save smarter and hit your goals sooner.

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Our savings account, ideal for both long- and short-term goals, features great interest rates and straightforward options.

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Money Market

Money markets are designed for long term savings, with interest rates that grow alongside your money.

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Club Accounts

Saving for a vacation or holiday shopping? Our club accounts help you save for the holiday shopping season or that special getaway.

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We offer both traditional and Roth IRAs to help you grow your nest egg and prepare for financial health during retirement.

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Health Savings

A health savings account (HSA) offers an intelligent way to pay less for medical care—qualified contributions are tax-deductible and qualified distributions are tax-free.

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Certificates allow you to earn higher dividends by saving money for a fixed period of time (between 3–60 months).

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More than just a savings account

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Have questions? Why not ask your concierge? Half personal sidekick, half financial wizard, they know money management like the back of their hand. Best of all, they're here whenever you need them.

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Online tools and support

Whether you access your account online or through our mobile app, you'll be able to create simple, customized goals that help keep your savings on track. And if you ever have questions, we offer 24/7 support.

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Rates that grow your money

Your goals may be closer than your realize: from money market to standard savings, we offer interest rates significantly higher than the national average

Our Blog


Save Easily
The Gift that Keeps on Growing: Why You Should Open a Certificate for Your Child

Starting a family is a big step that brings many emotions, responsibilities and tough decisions.

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Save Easily
Savings Accounts Vs. Certificates: Which Will Save Me More Money?

Your choice depends on your goals. While savings accounts provide great flexibility, certificates offer high yields.

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Save Easily
How to Create Sinking Funds for Beginners

Reach your most significant financial goals easily by saving for them gradually over time.

Read More

Common Questions

Open an account online, in person at any branch, or over the phone by calling Customer Service at (800) 237-7288.

We like to keep things simple. With just a $5 minimum opening deposit and balance, you're on your way to our regular savings account and all the perks and privileges of being a member.

We want you to make the most of your money and we offer competitive savings rates. To view our current rates, click here.

Good question! You can make as many withdrawals or transfers from your savings account as you want.


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Open a Members 1st savings account with a $5 deposit
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Create personalized savings goals
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Manage and track your progress with our new Members 1st mobile app


Already a member? Great! You can skip a step.

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We're Here to Help

Getting Ready for Life's Moments and Milestones

Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

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Protecting what you care about shouldn’t be complicated or unaffordable. We offer a full range of personal, group, auto, health, and life insurance plans through the most respected insurance companies in the business.

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Buying a House

Your home will likely be the biggest investment you ever make. Here's everything you need to know—and who to talk to if you'd like some personalized guidance.

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Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it's never been easier to set (and achieve) your long-term goals.

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Hit the Road

Hear that? It's the open road calling. Here's how to get an auto loan quicker and smarter.

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Off to College

Welcome to the start of a new beginning. Here's how to avoid student loans and make the most of saving for college.

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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.