Family of three at the beach with fun sunglasses

High-Yield Savings Account

Grow your savings, effortlessly. Get up to  3.00% APY.*

Ready to make your money do a happy dance? At Members Choice, we believe your savings should work just as hard as you do, if not harder! Our High-Yield Savings account is supercharged to help you boost your earning potential, and it plays perfectly with your everyday banking. 

 
icon-green handshake symbol

Up to 3.00% APY*

Ready to see your money really take off? Our competitive Annual Percentage Yield (APY) of up to 3.00% means your savings can grow faster than you might expect!1
icon-red cut rate symbol

Banish pesky big-bank fees

Some banks hit you with monthly service fees if your savings balance dips too low. Not us. We don't 'nickel-and-dime' you.
yellow gold icon-lightbulb with money symbol

Your money, anytime

Need your funds? No problem! You get the flexibility to access your money whenever you need it, all while still enjoying that awesome high yield.

Want to unlock our highest savings account rate and earn and more on your savings? This account’s got you. 

 With High-Yield Savings, you can earn up to 3.00% APY when you pair it with a Members Choice Complete Checking® account and meet a few monthly basics. No monthly fees. Just solid savings.1

 
Balance Tiers Dividend Rate1 APY*
$0.01 - $24,999.99 2.96% 3.00%

Earn high-yield dividends with your qualifying Members Choice Complete® Checking account.1
$25,000 - $49,999.99 1.49% 3.00% - 2.25%
$50,000 and higher 0.10% 2.25% - 1.18%
 
 

Have questions for one of our representatives?

Fill out the short form below to hear back within the next business day.

Are you ready to get started?

Open an account as a new member with one of these easy options

Open an Account Online

 

Open an Account in a Branch

To apply in person, visit a branch near you.
Current Members Choice members, you can “Quick Apply” for additional savings accounts in online banking or your mobile app. Login, and click on “Quick Apply” in the main navigation then click on "Open an Account, CD or Loan" to get started (you may need to click on the “More” button to view).

FAQs about High-Yield Savings

Nope! There are no monthly service fees or minimum balances.
It's easy to meet the requirements! Members only need to meet the Members Choice Complete Checking® monthly requirements on the paired Complete Checking account under the same membership:
 
To receive the stated dividend rate for a particular monthly qualification cycle, for the related Complete Checking Account, you must receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month.
 
If account requirements are not met for that month, the dividend rate on the entire balance of High-Yield Savings is .05% for that monthly cycle.











Disclosures

* Annual Percentage Yield (APY) is accurate as of August 1, 2025. Rates may change at any time without notice, before or after the account is opened. Fees could reduce earnings on the account. Minimum opening balance is $0. Minimum to earn APY is $0.01. Additional terms and conditions apply.  View complete list of deposit disclosures and Fee Schedule.

1 High-Yield Savings Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must meet the qualifications on the related Complete Checking account in good standing on the same member account: receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .05% APY for that monthly cycle. High-Yield Savings accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier.

Additional High-Yield Savings Terms and Conditions

The High Yield Savings Account is a tiered-rate variable account that requires an active, qualifying Members Choice Complete Checking® account each month to earn the disclosed dividend rates. No monthly service fees apply to this account.

To open a High-Yield Savings account, a Main Savings account and a Complete Checking account must also be opened, if not already present. Limit one High-Yield Savings account per member. This account is not available for minors, student accounts, special accounts, or business accounts. Not eligible to be pledged as collateral or used for share-secured loans. This account can be linked for overdraft protection.

 

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.