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Members 1st Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.me1stcu.com
314-487-5628
4702 Mattis Rd
Saint Louis, MO 63128-2822

Members 1st Credit Union is headquartered in Saint Louis and is the 39th largest credit union in the state of Missouri. It is also the 2,158th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 15 employees and 4,227 members at 2 locations. Members 1st Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Members 1st Credit Union is open to those who live or work in the Missouri counties of Franklin, Jefferson, St. Charles, or St. Louis, or the City of St. Louis, or the Illinois counties of Madison or St. Clair.
See current membership details

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Members 1st Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #67770
Year Chartered1951
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD11.05%
Annual Interest Income$814K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$69.4MM$63MM
LoansQ1 2025vs Q1 2024$43.5MM$41.2MM
DepositsQ1 2025vs Q1 2024$61.2MM$55.2MM
Equity CapitalQ1 2025vs Q1 2024$6.6MM$5.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$67K$77K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$16K$27K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Members 1st Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$25-Youth Shares
0.15%$100-Regular Shares
0.15%$0-Christmas Shares
0.15%$0-Special Shares
0.15%$0-Real Estate Escrow

Members 1st Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%*$75k*-Money Market Account
OTHER TIERS: 2.02% → $2.5k - $20k | 2.63% → $20k - $50k | 2.84% → $50k - $75k

Members 1st Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$1k-12 Month CD
3.81%$1k-6 Month CD
3.70%$1k-24 Month CD
3.55%$1k-36 Month CD
3.55%$1k-48 Month CD
3.55%$1k-60 Month CD

Members 1st Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.06%$100-12 Month IRA
3.81%$100-6 Month IRA
3.70%$100-24 Month IRA
3.55%$100-36 Month IRA
3.55%$100-48 Month IRA
3.55%$100-60 Month IRA
0.25%$100-IRA Shares
Locations


Members 1st Credit Union Locations
Branch Office4702 Mattis RdSaint Louis, MO 63128
Branch Office1200 E Gannon DrFestus, MO 63028-2614

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