Savings Rates

Choose your savings terms

Get more for your money with our leading savings rates

Thanks to our high deposit rates, we make generous payments to your savings accounts and those contributions mean you end up with a good deal more than you started with. Even our Certificates of Deposit (CDs) are not a one-size-fits-all savings option. You can choose from investments of various lengths, ranging from six months to five years. Although all of MECU's CDs offer exceptional returns, you can often get a higher rate if you invest for a longer period.

Effective Date: June 25, 2026
Account Type
Annual Percentage Yield (APY)
Minimum Initial Deposit
Share Savings 0.10% $5 †
Holiday Savings 0.10% $5 †
RealSaver** Account
Balances up to $20,000 1.00% $5
Portion of balance over $20,000 0.15% $5

*   Fees could reduce the earnings on these accounts. Rate subject to change following account opening.
** RealSaver accounts may only be opened in conjunction with a CashBack Checking or RewardChecking product. Higher interest rates and yields are earned when qualifications are met during the monthly cycle. RealSaver Accounts will receive a rate of 0.05% APY if qualifications are not met in the cycle.
†   Minimum balance in order to earn interest.

Effective Date: June 25, 2026
Account Type
Annual Percentage Yield (APY)
Minimum Initial Deposit
Traditional 0.10% $25 †
Roth 0.10% $25 †

* Early withdrawal penalties may reduce the earnings on the account. The rate may change after the account is opened.
† Minimum balance in order to earn interest.

Effective Date: June 25, 2026
Account Type
Annual Percentage Yield (APY)
Minimum Initial Deposit
Money Market Account
Less than $500 0.00% $500 †
$500 - $9,999.99 0.20% $500 †
$10,000 - $24,999.99 0.25% $500 †
$25,000 - $49,999.99 0.30% $500 †
$50,000 - $74,999.99 0.30% $500 †
$75,000 - $99,999.99 0.35% $500 †
$100,000 or more 0.40% $500 †
Premier Money Market Account
Less than $500 0.00% $50,000 †
$500 - $9,999.99 0.20% $50,000 †
$10,000 - $49,999.99 0.30% $50,000 †
$50,000 - $99,999.99 0.40% $50,000 †
$100,000 - $149,999.99 0.55% $50,000 †
$150,000 - $499,999.99 0.55% $50,000 †
$500,000 - $2,499,999.99 0.75% $50,000 †
$2,500,000 or more 0.75% $50,000 †

 Federally insured by NCUA.
* Fees could reduce the earnings on the account. The rate may change after the account is opened.
† Minimum balance in order to earn stated APY.

Effective Date: June 25, 2026
Account Term
Annual Percentage Yield (APY)
Minimum Initial Deposit
60-month 2.60% $500 †
48-month 2.60% $500 †
36-month 3.15% $500 †
24-month 3.15% $500 †
18-month 3.15% $500 †
15-month** 3.90% $5,000 †
12-month 3.60% $500 †
9-month 3.60% $500 †
8-month* 3.80% $500 †
6-month 3.60% $500 †

*Promotional Annual Percentage Yield (APY) of 3.80% effective as of 5/14/2026. 8-month CD rate is a limited time offer and available as Regular CD only. APY and promotion period are subject to change at any time without notice. A $500 minimum opening deposit is required to earn interest and to obtain the promotional APY. One CD per member with maximum deposit allowed of $250,000 / maximum allowed online through mecu.com is $100,000. CD opened online cannot be withdrawn within the first 30 days. At maturity, promotional term will renew to 12-month CD term unless action taken. A penalty will be imposed for early withdrawal before maturity. Fees could reduce earnings on the account. Advertised APY cannot be combined with any other offer. MECU membership eligibility required. Certain restrictions may apply. Subject to change without notice. Federally insured by NCUA.
**Promotional Annual Percentage Yield (APY) of 3.90% effective as of 5/14/2026. 15-month CD rate is a limited time offer and available as Regular CD only. APY and promotion period are subject to change at any time without notice. A $5,000 minimum opening deposit of new money is required to earn interest and to obtain the promotional APY. One CD per member with maximum deposit allowed of $250,000 / maximum allowed online through mecu.com is $100,000. CD opened online cannot be withdrawn within the first 30 days. New money is defined as funds not currently on deposit at MECU. Transfers from existing MECU accounts are not be eligible for the promotional offer. At maturity, promotional term will renew to 18-month CD term unless action taken. A penalty will be imposed for early withdrawal before maturity. Fees could reduce earnings on the account. Advertised APY cannot be combined with any other offer. MECU membership eligibility required. Certain restrictions may apply. Subject to change without notice. Federally insured by NCUA.
† Minimum balance in order to earn stated APY
Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.

Effective Date: June 25, 2026
Account Type
Annual Percentage Yield (APY)
Minimum Initial Deposit
11-month* 3.40% $5,000

Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.
* Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date. Only one withdrawal without paying a penalty will be permitted with the SuperFlex CD; the balance remaining must be at least $1,000.
† Minimum balance to earn interest on SuperFlex CD is $1,000.

Effective Date: June 25, 2026
Account Term
Annual Percentage Yield (APY)
Minimum Initial Deposit
60-month 2.60% $500 †
48-month 2.60% $500 †
36-month 2.20% $500 †
24-month 2.20% $500 †

Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.
† Minimum balance in order to earn stated APY.
*  Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.
** Excludes Roth IRA

Effective Date: June 25, 2026
Account Term
Annual Percentage Yield (APY)
Minimum Initial Deposit
12 Month 2.70% $25 †
24 Month 2.20% $25 †

Membership eligibility required. Certain restrictions may apply. Federally insured by NCUA.
† Minimum balance in order to earn stated APY.
* Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.

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