Savings Made Simple

Whether you're saving for retirement, a vacation, holiday gifts, your next car, or just a rainy day, we've got you covered. Minnesota Valley has a Savings Account for every goal you have in life.

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Putting Money into a Piggy Bank

Find the savings account that fits you

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Primary Share Savings (S1)

A simple deposit of $5 into this account makes you part-owner of MVFCU and eligible for all other credit union products or services. No, this is not a fee and in fact, if you were to close your accounts at MVFCU, you'd get the $5 back.

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Money Market Account (S6)

Earn more interest when you save more! This account offers a tiered rate based upon the amount you have on deposit. See our current rates for the different tier pricing. You still have easy access to your money and retain the security of federal deposit insurance up to $250,000.

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Health Savings Account (HSA)

A Health Savings Account (HSA) is an account that you can put money into to save for future medical expenses. There are certain advantages to putting money into these accounts, including favorable tax treatment.

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Holiday Club Accounts (S3)

Plan ahead to avoid the financial pressure the holidays can bring. Deposit a set amount every pay day (maximum $300/month), and you'll have the money you need for gifts, travel, entertainment, etc. when that time of year rolls around. The money will be automatically deposited into your S1 on November 1st, every year. Withdrawals prior to maturity may be subject to penalty.

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Vacation Savings Account (S14)

Looking for a way to save money for that special vacation? Invest in a high yielding vacation savings account. You can deposit up to $300 per month and the account balance will automatically be deposited into your S1 on June 1 every year. Withdrawals prior to maturity may be subject to penalty.


SAVINGS PRODUCTMinimum Opening DepositOther TermsDividend RateDividends CompoundAPY*
Share Savings (S1)***$5 $5 to earn dividend0.25%Quarterly0.25%
Special Savings (S2)***$0 0.25%Quarterly0.25%
Holiday Club (S3)$0 $300 monthly maximum deposit0.60%Annually0.60%
Pays out annually November 1st
Money Market Savings (S6)$0-$9990.25%Monthly0.25%
$100,000-$249,999  2.50%2.53%
$250,000 and above2.75%2.79%
Vacation Club (S14)$0 $300 monthly maximum deposit0.60%Annually0.60%
Pays out annually June 1st
Kids Club (S15, S18, S19)$0-$5000.000.75%Monthly0.75%
Kids Club (S15, S18, S19)$5000.01 and above0.30%Monthly0.30%
Health Savings Account$10 Annual Fee Interest Bearing Checking Account0.40%Monthly0.40%
* = Annual Percentage Yield. Rate is effective as of 02/06/2024 Rates and terms are subject to change at any time based upon ALCO review and changing market conditions. Fees may reduce the earnings on these accounts. 
** = Dividend paid at pay-out date, no dividend for early withdrawal.
*** = Balances below the minimum balance will not earn interest.

All Personal Savings Accounts include:

Online & Mobile Banking

Our online and mobile banking is a secure, free online service that gives you the tools to manage your money quickly and easily, any time, any place.

Peace of Mind

Your savings at MVFCU are federally insured to at least $250,000 (IRAs an additional $250,000) by NCUA. Find out more about how your accounts are protected.

Easy Cash Access

Enjoy over 33,000 surcharge-free ATM's nationwide with the Money Pass Network. Our ATM locator helps you find a surcharge-free ATM, no matter where you are.