Skip Navigation Skip to Online Banking Skip to Accessible Content

Emergency Savings

Build Your Safety Net

Earn up to 1.00% APY*

Open Now

Emergancy Savings

Build Your Safety Net

Earn up to 1.00% APY*

Open Now
Get inspired to save more with faster results. An Emergency Savings encourages you to grow your savings by earning a higher APY*. Begin building financial security, while preparing yourself for emergency expenses.

Earn 3% APY on our Emergency
Savings when you bundle and save

How to Open an Account

Opening an account is easy and we’re here to help if you need it.
1

Open Your Account

Current members can open an Emergency Savings in the mobile app, by phone, or by visiting a branch. New customers can visit www.m1cu.org/NewAccount/.

2

Start Contributing

Make regular contributions to your account. Considering setting up an automatic transfer. Add what you’re able, even small amounts add up quickly.

3

Maintain Your Savings

Replenish your Emergency Savings after an unexpected expense. As your balance grows, consider upgrading to higher-yielding Money Market or Certificate account.

How We Compare

Our members earn more than the national average2
A graph showing the national average savings rate vs Member's 1st.

2. Based on the national APY* average on savings accounts in the US according to Bankrate as of 05/17/2023.

Rates

APY*

Rates

APY*

Emergency Savings

$0 minimum deposit

Apply Now

Emergency Savings

1.00%

Fixed up to $1,000
(0.03% for amounts greater than $1,000)

$0 minimum deposit

1.00%

Fixed up to $1,000
(0.03% for amounts greater than $1,000)

View Rate Sheet

Account Features

All your favorite account features and benefits.

Earn up to 1.00% APY

Earn 1.00% APY on the first $1,000 in your account.

No Minimum Balance

Keep as much or as little as you like in your savings, without having to worry about a fee.

No Monthly Fee

No monthly fees. No annual fees. No worries.

Track Your Savings

Track your savings with our free mobile app or online banking.

Mobile Deposit

Deposit checks directly into your account with your mobile or tablet device.

Notifications

Receive email and text notifications for all types of activity on your account.

Accessible

Keep your money accessible while you earn dividends.

Tiered Dividends

Tiered dividends allow your savings to grow faster.

Opens Quickly

Open your account from the Members 1st app in seconds.

Save Faster When You Add Stash

Turn your small change into a big deal when you enroll in Stash. Round up your debit card purchases to the next dollar to be added into your Members 1st savings, auxiliary savings, holiday savings, emergency savings, mem-bear savings, or money market account.

Learn More

Compare Accounts

1. Stated Annual Percentage Yield (APY) is determined by your minimum account balance.

Resources

A woman staring at her cellphone

Emergency Savings Tutorial

Learn how to open your Emergency Savings account from the Members 1st mobile app or online banking in just a few minutes. Get started now and start saving.

Read More >
Is the Money in My Account Safe?

Is the Money in My Account Safe?

Your financial institution is one of the safest places to store your hard-earned cash. The best part? All you have to do is open an account. Your M...

Read More >
More Ways To Save

More Ways To Save

At Members 1st, we understand the importance of being prepared for unexpected expenses. That's why we offer resources and support to help you buil...

Read More >

APY = Annual Percentage Yield. 1.00% APY is applied to the first $1,000 in your account. Amounts exceeding $1,000 will earn 0.03% APY.

Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now

We use cookies to make navigation easier, analyze site use, and assist our marketing, as explained in our Online Privacy Policy.