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Savings Rates
See Today’s Savings Rates
Whether you’re building your savings, planning for the future, or looking to maximize your earnings, MembersOwn offers competitive dividend rates on a variety of savings products. Explore our current rates below and find the option that best fits your financial goals.
Open an Account Savings Calculator
All rates are effective July 1, 2026, and subject to change without notice. Share certificates have a $1,000 minimum balance (unless otherwise noted) and early withdrawal penalty. The share savings accounts are the prospective rate for the 3rd quarter 2026.
| Account | APY* |
|---|---|
| Share Savings Accounts, Club Accounts and IRAs | 0.15% |
| 12-month Share Certificate special ($5,000 minimum) | 3.75% |
| 6-month Share and IRA Certificate | 1.10% |
| 12-month Share and IRA Certificate | 1.50% |
| 24-month Share and IRA Certificate | 1.50% |
| 36-month Share and IRA Certificate | 1.75% |
| 48-month Share and IRA Certificate | 1.75% |
*APY = Annual Percentage Yield
All dividends (interest) are earned and posted at the end of each calendar month.
Money Market Tiered Dividend Rates
| Balance | Interest Rate |
|---|---|
| $0.00 to $4,999.99 | 0.15% |
| 12-month Share Certificate special ($5,000 minimum) | 0.65% |
| $5,000 to $24,999.99 | 1.00% |
Not Sure Which Savings Option Is Right for You?
Every savings goal is different. Whether you’re saving for everyday expenses, earning more on larger balances, locking in a fixed rate, or planning for retirement, we have an account designed to help you reach your goals.
What does APY mean?
APY stands for Annual Percentage Yield. It reflects the total amount you may earn on your savings over one year, including the effects of compounding.
How often are dividends paid?
Dividends are earned and paid at the end of each calendar month.
Is there a minimum balance for Share Certificates?
Yes. Share Certificates require a minimum opening deposit of $1,000 unless otherwise noted.
Can I withdraw money from a Share Certificate before it matures?
Early withdrawals may be subject to a penalty.
Are my deposits insured?
Yes. Deposits at MembersOwn Credit Union are federally insured by the National Credit Union Administration (NCUA) up to applicable limits.
Talk to a Real Person
in Your Community
MembersOwn is here to talk things through, answer questions, and help you decide what makes sense for your life—with friendly guidance from people who live and work right here in Nebraska.
Lincoln Branch
1391 South 33rd Street
Lincoln, NE 68510
402.436.5365 (Text Friendly)
Beatrice Branch|
2600 Eastside Boulevard
Beatrice, NE 68310
402.223.4204
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