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Savings Accounts

Madison Credit Union offers a variety of savings and investment services to guide you through all of your long-term financial planning.

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Regular Savings Account

With a $5 minimum balance, you are eligible for MCU’s wide variety of products and services. Your savings will earn dividends with a balance of $100 or more. Dividends are calculated daily and credited to your account quarterly.

Youth Savings Account/Custodial Account

These savings accounts give the benefit of earning dividends with a balance of $5 or more. Members under age 18 are required to have an adult member as a joint owner on the account. Custodial accounts allow parents to save without the child having access to the funds in the account. Dividends are calculated daily and credited to your account quarterly. Ask about our high interest rate today!

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Christmas Club

This savings account takes the pinch out of the holiday season by allowing you to save at your own pace throughout the year. Deposits can be made automatically through your payroll direct deposit or in office. Balances are available to you on October 1st each year. Early withdrawal of funds will close the account until the following year. Dividends are calculated daily and credited to your account quarterly.

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Organizational Accounts

These accounts are designed with businesses, clubs and organizations in mind. In order to qualify for membership, the majority of the individuals listed on the account must fall into MCU’s field of membership.

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Vacation Club

This account follows the same rules, and offers the same benefits as our regular savings account; but allows you to set funds aside in a separate account for your dream vacation.

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Funeral Trust Accounts

Created to cover burial expenses, money deposited into Funeral Trust Accounts are paid out upon the member’s death to the funeral home of choice.

View Savings Rates
Minimum to OpenMinimum Balance
for Dividends
Dividend RateAnnual Percentage
Regular Savings$5$1000.03%0.03%
Youth Savings (20 & Under)$5$1000.03%0.03%
Vacation Club$5$1000.03%0.03%
Christmas Club$5$1000.03%0.03%
Money Market$2,500
Below Minimum
Interest Checking$25$5000.02%0.02%

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