Skip to main content
Routing: #304083147
online banking

Online Banking

Savings Accounts

    Money Market

    Money Market Accounts

    Step up your savings game to one of our Money Market accounts! You've done the leg work of saving, now earn a higher payout! As your money continues to grow, you'll keep earning while still being able to make withdrawals when you need cash. 

    We offer two options for Money Market accounts: First Market and our NEW Premier Market. The Premier Market account offers a 4.75% APY*. The minimum balance to open this account is $30,000. 

    Give us a call or stop into a branch today to get started!

    Premier Market


    • Earn 4.75% APY*
    • Dividends compounded and credited monthly
    • 6 free withdrawals per month
    • $30,000 minimum balance 
    • $15 fee for falling below the minimum balance
    • Access funds via check or transfers using online or mobile banking

    First Market


    • Dividends paid quarterly
    • 6 free withdrawals per month
    • $2,500 minimum balance to earn dividends
    • $15 monthly fee waived on balances over $2,500
    • Access funds via check or transfers using online or mobile banking

    *Premier Money Market: The minimum balance to open this account is $30,000. Must maintain a daily balance of $30,000 during the monthly statement cycle to obtain the disclosed annual percentage yield. A $15 fee will be charged at the end of the month if account minimum balance is not maintained and the account will not earn an interest dividend for that statement cycle. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Dividends begin to accrue on cash and non-cash deposits, on the business day you make your deposit. The dividend rate and annual percentage yield may change as determined by the WSJ Prime Rate. If the rate does change, it will be effective on the 1st of the following month. Dividends will be compounded monthly and credited monthly. The dividend period is monthly. The beginning date of the first dividend period of the calendar year is January 1 and the ending date is January 31. All other dividend periods follow this pattern of dates. The dividend declaration date is the last date of a dividend period and, for example, is January 31. Dividends are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Maximum of six withdrawals per month. If six withdrawals are exceeded a fee of $15 per withdrawal over the six will be imposed. If you close your account before dividends are paid, you will not be paid the accrued dividends for the period. Statements of members’ accounts will be issued monthly. 

    Your Money Market Account is safe and secure, insured up to $250,000 by the National Credit Union Administration (NCUA).

    Savings Account

    Kasasa Saver® Account

    Make saving effortless with this free account that links to your free Kasasa Cash® or Kasasa Cash Back® checking. Your Kasasa® checking earnings automatically transfer in — meanwhile, Kasasa Saver pays a high rate of return.

    Kasasa Saver Features:

    • Links to free Kasasa Cash or Kasasa Cash Back checking
    • 3.00% APY* on balances up to $15,000
    • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
    • No monthly maintenance fee
    • No minimum balance to earn rewards
    • Free direct deposit
    • Free online and mobile banking with mobile deposit

    Personal Savings Account

    All it takes is $5 to become a member AKA part-owner of the credit union! Already you've made a step up in banking by choosing to own your finances, unlike the mega-bank competitors that don't work for you.

    But the features don't end there:

    • Dividends paid quarterly
    • No minimum balance (after $5 membership)
    • No monthly fees when enrolled in estatements
    • Free direct deposit
    • Free online and mobile banking with mobile deposit

    *Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions or transfers between accounts. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current month through one (1) day prior to the close of the current month. Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your accounts on the last day of the current statement cycle: Kasasa Saver: Balances up to $15,000.00 receive APY of 3.00%; and balances over $15,000.00 earn 0.30% interest rate on the portion of balance over $15,000.00, resulting in a range from 0.05% to 3.00% APY depending on the account’s balance. When Kasasa Cash or Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.05%. Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash or Kasasa Cash Back account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash or Kasasa Cash Back account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 3/1/2024. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments and other requirements apply. $5.00 minimum deposit is required to open the account. Monthly direct deposit/ACH credit and enrollment in electronic statements are conditions of this account. Limit 1 account per social security number. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open or close this account. Contact a Mutual 1st Federal representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

    Certificate Accounts

    Special Certificates

    We're currently offering two special certificates that pay MONTHLY!

    • $1,000 minimum
    • 11- or 19- month options
    • If you have a Kasasa checking account, the rates are HIGHER!
    • Dividends are credited to your primary savings account

    Give us a call or stop in today!

    Certificate Accounts

    Mutual 1st Federal certificates are a solid choice for your savings needs. You will receive attractive yields on terms from 6 to 60 months. Start a certificate today with as little as $1,000 and watch your money grow, on your terms.

    Certificate Account Features

    • Compounding interest allows the certificate to grow and reinvests the dividends, resulting in a higher yield
    • Option to receive certificate dividends as they are paid, instead of compounding
    • Fixed rates
    • Terms from 6 months to 5 years
    • Penalty for early withdrawal*
    • $1,000 minimum deposit
      • Student Certificates have a minimum deposit of $100, Funds can be added until age 24. 
    • Members are notified when certificates reach maturity
    • Certificates are automatically renewed 5 days after maturity unless otherwise requested*

    Our Save to Win certificates have unique features, view details here.

    IRAs (Individual Retirement Accounts)

    IRAs (Individual Retirement Accounts)

    Boost your retirement savings with a separate account from Mutual 1st Federal. We offer Traditional IRAs and Roth IRAs as additional savings options for you.

    Traditional IRA

    In a Traditional IRA, you are able to direct pre-tax income toward investments that can grow tax-deferred. However, you will be taxed on the money you take out during retirement.

    Roth IRA

    Contributions are taxed up front with a Roth IRA, but earnings are withdrawn tax-free as long as you are at least 59 ½, the account is at least 5 years old and you meet other income requirements. 

    We recommend consulting a tax advisor to help you make the best choice for IRAs, then call us or visit us to open the IRA that will work best for you.

    Our Members, Their Stories

    I've been with Mutual 1st Federal since I moved here from San Francisco in 1997 and have enjoyed the employees. They always make you feel like they remember you and are extremely helpful. I wouldn't move my accounts to any other bank, I feel safe banking with you.