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We're on a mission to empower our members to save smarter. So we've created savings accounts that help you visualize your financial milestones—and give you guidance at every step of the way
This is the first account every member gets. An opening deposit of just five bucks makes it painless to get started saving—and you earn almost double the national average.
$5 minimum opening deposit and balance
$50 minimum balance required to earn dividends
May be used as an overdraft protection source
Tiered Annual Percentage Yield (APY) means the more you save, the more you earn. While most money market accounts have high deposit or opening balance requirements, our money market account has no minimum balance, no minimum opening deposit, and no monthly fees.
No minimum opening deposit or balance
Make deposits anytime
May be used as an overdraft protection source
Still hiding emergency funds under your mattress? Our supplemental savings account is a perfect way to stash some cash for covering unexpected costs, large expenses, or special purchases.
No minimum opening deposit or balance
$50 minimum balance required to earn dividends
May be used as an overdraft protection source
Saving money is more rewarding when you're working toward something special. A Goal Savings account helps you bring your goal into focus and keep track of your progress all in our mobile app.
Open up to five accounts, each with a customizable goal
No minimum opening deposit or balance
No early withdrawal fees
No maturity date—YOU choose when to spend your savings
Rushing around and buying gifts all at once can be stressful. Holiday club accounts help you put away money throughout the year, and the funds you've saved automatically transfer into your regular savings account just in time for holiday shopping.
No minimum deposit or balance required
Open at any time during the year
Funds transfer to your regular savings account on October 1
Take the stress out of getting away from it all. With a Vacation Club account, you can save up for the trip of a lifetime—a little at a time.
No minimum deposit or balance required
Open at any time during the year
Funds transfer to your regular savings account on April 1
For younger members, we offer two club options.
| Kids 1st Club | iMember Club |
|---|---|
| Ages 0-12 years | Ages 13-19 years |
| $5 minimum opening deposit | $5 minimum opening deposit |
| Free piggy bank for opening club account | Eligible to open a Checking Account |
| Small toy from treasure chest each time they make a $5 deposit at a local branch | Eligible for a Visa debit card |
You can get a savings account anywhere. Here's what makes saving with Members 1st different.
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Borrow WiselyBudget SuccessfullyCareer & EducationHow do I open an account?
We make it easy to open your account online or in person at a branch.
What is the minimum opening balance?
You only need a $5 minimum opening deposit and balance in a Regular Savings Account to get started. Our certificate accounts require a minimum $500 opening deposit.
What is the difference between a money market and a traditional savings account?
Both are savings accounts. A traditional savings account requires a small initial opening deposit and balance. You can add funds or withdraw funds at any time. Money markets are tiered savings accounts that offer higher dividend rates based on your account balance. You may access your funds at any time. Money markets are designed for longer term savings without being locked into a set saving term like a certificate.
How often can I make withdrawals or transfers from my savings account?
Good question! You can make as many withdrawals or transfers from your savings account as you want.
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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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