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Home > Saving & Investing> Rates & Calculators

Savings Rates

Put your money to work for you with MSGCU's savings accounts. The current rates for our many savings options are listed below.

Regular Savings Account
APY*Dividend Rate
0.150% 0.150%

*APY = Annual Percentage Yield. $5 Minimum Balance Required.

Effective Date: Sunday, September 24th, 2017

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You-Name-It Savings Account
APY*Dividend Rate
0.150% 0.150%

No Minimum Balance Required, *APY = Annual Percentage Yield

Effective Date: Sunday, September 24th, 2017

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Silver Savings Account
Average Daily BalanceAPY*Interest Rate
Under $100 0.100% 0.100%
$100 - $4,999 0.200% 0.200%
$5,000 - $9,999 0.200% 0.200%
$10,000 - $19,999 0.250% 0.250%
$20,000 - $39,999 0.300% 0.300%
$40,000 and higher 0.450% 0.449%

*APY = Annual Percentage Yield.

Effective Date: Sunday, September 24th, 2017

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Gold Savings Account
Average Daily BalanceAPY*Interest Rate
Under $50,000 0.100% 0.100%
$50,000 - $74,999 0.550% 0.549%
$75,000 - $99,999 0.600% 0.598%
$100,000 - $199,999 0.650% 0.648%
$200,000 and higher 0.750% 0.747%

*APY = Annual Percentage Yield.

Effective Date: Sunday, September 24th, 2017

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Holiday Club Account
APY*Interest Rate
0.250% 0.250%

*APY = Annual Percentage Yield. No Minimum Balance Required.

Effective Date: Sunday, September 24th, 2017

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Health Savings Account
APY*Interest Rate
0.600% 0.598%

*APY = Annual Percentage Yield. No Minimum Balance Required.

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Money Market Checking Account
TierAPY*Interest Rate
$2,500 - $4,999 0.100% 0.100%
$5,000 - $7,499 0.100% 0.100%
$7,500 - $9,999 0.100% 0.100%
$10,000 - $24,999 0.150% 0.150%
$25,000 and higher 0.200% 0.200%

*APY = Annual Percentage Yield. $2,500 Minimum Average Daily Balance Required to Earn APY.

Effective Date: Sunday, September 24th, 2017

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Minimum balance listed is to open an account and earn the advertised APY. All rates and APYs are accurate as of today and subject to change at any time. Fees may reduce earnings on accounts.

Investment Rates

Certificate of Deposit (Regular and IRA CDs)
TermAPY*Interest Rate
6 Months 0.650% 0.648%
1 Year 0.950% 0.947%
18-Month 1.700% 1.689%
2 Years 1.550% 1.541%
3 Years 1.750% 1.739%
4 Years 1.850% 1.837%
5 Years 2.050% 2.034%

*APY = Annual Percentage Yield. $500 Minimum Average Daily Balance Required.

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Grow-With-Me CD
TermAPY*Interest Rate
6 Months 0.500% 0.499%
1 Year 0.650% 0.648%
2 Years 0.850% 0.847%

*APY = Annual Percentage Yield. $250 Minimum Average Daily Balance Required.

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Individual Retirement Account (IRA)
APY*Interest Rate
0.300% 0.300%

*APY = Annual Percentage Yield. No Minimum Balance Required.

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Health Savings Account
APY*Interest Rate
0.600% 0.598%

*APY = Annual Percentage Yield. No Minimum Balance Required.

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Minimum balance listed is to open an account and earn the advertised APY. All rates and APYs are accurate as of today and subject to change at any time. Fees may reduce earnings on accounts. A penalty will be imposed for early withdrawal from Certificates of Deposit.

 

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