Members 1st Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

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

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

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 39^th largest credit union in the state of Missouri. It is also the 2,158^th 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

Write a Review

No reviews have been left for this bank yet. Be the first to review.

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 Chartered	1951
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	1.06%
Return on Equity - YTD	11.05%
Annual Interest Income	$814K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$69.4MM$63MM
Loans	Q1 2025vs Q1 2024	$43.5MM$41.2MM
Deposits	Q1 2025vs Q1 2024	$61.2MM$55.2MM
Equity Capital	Q1 2025vs Q1 2024	$6.6MM$5.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$67K$77K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$16K$27K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

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

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

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

Skip to rates for:

Savings
Money Market
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Members 1st Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	4702 Mattis Rd	Saint Louis, MO 63128
Branch Office	1200 E Gannon Dr	Festus, MO 63028-2614

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.