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 >
How to Open an AccountOpening an account is easy and we’re here to help if you need it.
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/.
Make regular contributions to your account. Considering setting up an automatic transfer. Add what you’re able, even small amounts add up quickly.
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 CompareOur members earn more than the national average2
2. Based on the national APY* average on savings accounts in the US according to Bankrate as of 05/17/2023.
Account FeaturesAll 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.
Deposit checks directly into your account with your mobile or tablet device.
Receive email and text notifications for all types of activity on your account.
Keep your money accessible while you earn dividends.
Tiered dividends allow your savings to grow faster.
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
1. Stated Annual Percentage Yield (APY) is determined by your minimum account balance.
Emergency Savings Tutorial
Is the Money in My Account Safe?
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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.