Savings Accounts

Reach your goals

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.

Know your options

Image containing a wallet
Regular savings

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
Open an account
Image containing money being handed from person to person
Money market

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
Let's get started
Image containing a piggy bank
Supplemental savings

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
Let's get started
Image containing a piggy bank
Goal savings

Saving money takes self-control—and it gets a lot easier when you've got a goal worth saving for. Goal Savings accounts help you visualize your target, track your progress, and manage it all in our mobile app.

  • Set up to 5 Goal Savings 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
Let's get started
Image containing the sails of a ship
Holiday club

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
Let's get started
Image containing an airplane
Vacation club

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
Let's get started

Youth club

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
  Eligible to apply for a Visa credit card

Offerings that are anything but standard

You can get a savings account anywhere. Here's what makes saving with Members 1st different.

Icon of a person with a headset
MyConcierge™

Have questions? Good thing your concierge has your back. Half personal sidekick, half financial wizard, your concierge knows money management like the back of their hand. Best of all, they're here whenever you need them.

Icon of a hand holding a coin
Save for big plans—a little at a time

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.

Icon of a percentage symbol with an arrow in an upwards diagnol
Rates that grow your money

Your goals may be closer than you realize—our certificate dividend rates are often higher than the national average.

Icon of a gift box
Rewards for loyal members

When we see a chance to give back to our members, we take it. Our Loyalty Rewards Program allows us to provide loyal members with better rates and lower fees.

Our Blog

Resources

Budget Successfully, Spend Carefully
4 Tips to Keep Your Holiday Budget in Check

As the fall season begins to close and temperatures begin to drop, there’s one thing we can be sure of: holiday commercials. Despite how you may feel about all the advertising, it’s a great time to get a head start on your holiday budget.

Read More
Budget Successfully, Spend Carefully
Smart Back-to-School Shopping

Get an “A” in back-to-school shopping 101. From backpacks and pens to new sneakers and coats, these expenses can add up quickly.

Read More
Budget Successfully
Summer Fun on a Budget

Affordable activities for all ages!

Read More

Common Questions

We make it easy to open your account online or in person at a branch. 

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.

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.

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

Find a nearby branch

Get started in three easy steps

number 1
Open a Members 1st savings account with a $5 minimum opening deposit
number 2
Create personalized savings goals
number 3
Manage and track your progress with our mobile app

OPEN AN ACCOUNT

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

Start Saving
We're Here to Help

Getting Ready for Life's Moments and Milestones

Hit the Road

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

Get Started

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.

Get Started

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.

Get Started

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.

Get Started

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.

Get Started

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.