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Member Rewards Account

Our signature savings account is available for all Maps personal memberships and it’s completely free! You get our highest savings interest rate and you’ll earn more the longer you keep your money in the account.

How it Works:

  • Find your Member Rewards savings account inside online banking/Maps App, or on your account statement.
  • You cannot make deposits directly into a Member Rewards account. Deposits come from three sources: Round Up, Cashback Credit Card, Reward Bonuses.
  • To use your Reward balance, simply transfer the amount you want from your Member Rewards account to your checking or savings account.

5.00%APY*Available for personal memberships.

Membership Savings Account

Your Member Savings Account establishes your membership at Maps Credit Union. With just a one-time $10 membership fee and a minimum deposit of $5 and you’ll have voting rights and ownership in the credit union.

  • Available to anyone
  • Earn dividends with a minimum average daily balance of $100

$5 minimum opening balance. Minimum balance to earn dividends and avoid service fee $100.


Indexed Money Market

Make the most of your savings with our Indexed Money Market account and you’ll start earning a higher rate on a balance as low as $5,000. The highest rate on this account is tied to half of the Federal Fund rate.

  • No minimum deposit
  • No penalties for early withdrawal
  • Transfers between Maps accounts via online banking, Electronic or in-person deposits.

$5 minimum opening balance.

2.75%APY*$5,000 and above

0.25%APY*Below $4,999.99

Premium Money Market

With our Premium Money Market account, you can earn more dividends on higher balances and have the liquidity you need to access your money when you need it.

  • Interest rates based on balance
  • No monthly service fee
  • Minimum $1 balance to earn dividends

$5 minimum opening balance.

Share Savings

Call it what you will. A vacation fund. A college savings fund. An emergency fund. Whatever you are saving for, this simple and dependable savings account can help you reach your goal.

  • $100 minimum balance
  • Average daily balance of $100+ earns dividends

0.00%APY*$100 minimum balance

Christmas Club

We could all use a little extra cash around the holidays. Set yourself up for success with our dedicated Christmas Club account and in November, the funds will be transferred into an account of your choosing. That way, you can cover holiday gifts, property taxes, insurance, and other year-end expenses. Talk about your tidings of joy!

  • Flexible deposit amounts
  • Automatic distribution of funds in November ($25 penalty fee for early withdrawal)
  • No minimum balance to earn dividends

0.02%APY*$0 minimum balance

Summer Saver (School Employees Only)

Our Summer Saver account is a high-yield savings account exclusively for school employees who want to earn interest while saving for summer vacation. Make deposits through payroll deduction or direct deposit (as little as $1 or as much as $2,000 monthly) and the balance will automatically be transferred to your Maps Membership Saving account on July 1.

  • Exclusively for school employees.
  • High-rate savings
  • Penalty-free withdrawals
  • Minimum monthly deposit is $1, maximum is $2,000
  • The balance you save will be automatically be transferred to your Maps Membership Savings account on July 1.

4.00%APY*$0 minimum balance

Frequently Asked Questions

General FAQs

What is the Maps routing number?

The Maps Credit Union routing number is 323276388.

You can also find the routing number at the bottom of our website and at the bottom of your checks. The first 9 digits are the Maps routing number. The remaining numbers are your account number.

What is my account number?

To find your account number in Digital Banking, follow these steps:

  1. Log in to Digital Banking.
  2. Select your desired account (such as your Free Community Checking account).
  3. Click on the “I” icon next to the heading “Account Information”.
  4. Within this section, you will see additional information about the account including your account number, the credit union routing number, and YTD interest/dividends earned (if applicable).

Please note: some account types (such as Member Rewards Savings) will not display a “Full Account Number.” This type of account does not include a direct deposit feature or the ability to make electronic transactions requiring an account number.

You can also find the routing number and your account number at the bottom of your checks.

Why do I have to have a Membership Savings Account?

Your membership share account is your share of the credit union. Being a share owner of Maps Credit Union makes you a member and gives you credit union voting rights. Unlike banks that are owned by corporations and investors, Maps is a not-for-profit financial institution that is owned by its members.

The profits we make go back to our members in the form of higher interest rates on checking and savings accounts, lower fees, and lower loan rates. So, if you’re looking to take out an auto loan, a home loan, or a personal loan, we can offer you our best rates. Our motto is, “Every Member Benefits” and our main goal is to serve every member equally.

Are my funds insured?

Yes, your funds are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Please refer to for additional information on insurable limits.

Savings FAQs

What are your current savings account interest rates?

Up-to-date Maps rates can always be found on our Savings Accounts page. You can also find savings and other personal deposit rates here.

How can I access the funds in my Member Rewards account?

You can access your Member Rewards funds anytime through transfers to your checking account in Digital Banking or with an ATM card.

Can a minor open an account with Maps Credit Union?

Yes! We offer a Youth Savings account with features just for our younger members. Members 16 and older can open an account independently. Those 15 and under will need a parent or legal guardian to sign as a joint owner. Visit your nearest branch to open an account today.

How much money is required to open a savings account at Maps?

You’ll need just $5 to establish your Maps membership (along with a one-time $10 membership fee).

At Maps, our goal is to build strong communities by supporting financial growth and well-being for every member, one member at a time. We want you to be a part of that community! It’s easy and opening an account only takes about 10 minutes.

Is there a limit to the number of transactions I can make from my savings account each month?

Generally speaking, no. However, we do reserve the right to limit the amount, type, or frequency of withdrawals or transfers from any of your accounts. If we do impose a limit, we will disclose the details of such in our Truth in Savings disclosure, and/or at the time you attempt to make your transaction.

Can I have more than one savings account with Maps?

Yes, you can have multiple savings accounts. In fact, Maps offers a variety of savings options to help your savings goals.

Rates good as of effectivedate and are subject to change without notice.
*APY = Annual Percentage Yield. Fees can reduce earnings.

Except as specifically described, the following disclosures apply to all accounts:

  1. Rate Information. The Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. For dividend-bearing accounts, the Dividend Rate may change periodically as determined by the Board of Directors. *On all Free Community Checking accounts, one cent per debit card transaction will be donated to the non-profit Maps Community Foundation. No dividends will be earned on the account and no donations will be deducted from the account.
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. On dividend-bearing accounts, the Dividend Period is based on a calendar month. The Dividend Rate and Annual Percentage Yield set forth above are accurate as of the Effective Date.
  3. Compounding and Crediting. Dividends will be compounded and credited as set forth on the Schedule. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period.
  4. Accrual of Dividends. Dividends will begin to accrue on cash and noncash deposits (e.g. checks) on the business day you make the deposit to your account.
  5. Balance Information. The minimum balance required to open each account, earn dividends and avoid a service fee is set forth on the Schedule. On all Maps checking accounts, Share Savings accounts, and Youth Savings accounts, the dividends are calculated and the minimum balances required to earn dividends are determined using the actual daily balance method.
  6. IRA Information. The Monthly IRA Share Accounts-Traditional or Roth periodic deposits are required in the form of direct deposit, payroll deduction, or automatic transfers. Deposits shall be a monthly minimum of $50.00. Additional contributions may be made at any time as long as monthly contributions are still made. Once monthly contributions end the account will be transferred to a regular IRA Savings Account. Monthly IRA Share Accounts-Traditional or Roth are current year contributions only; prior year contributions, rollovers and transfers, internally or externally are not eligible. Premier IRA accounts will be assessed a $10 annual fee between January 15 and January 31. The fee will be deducted from the IRA principal, and does not count as a withdrawal for IRS purposes.
  7. Account Limitations. For a Christmas Club account, the account balance will be withdrawn or transferred automatically to you the first week in November (balance withdrawal date), and the account will remain open. On Christmas Club accounts, there is a withdrawal fee if you withdraw any of the account balance prior to the withdrawal date.
  8. Member Reward Accounts. Deposits into your Member Rewards account can only come from three sources: Round Up, Cashback Credit Card, and Reward Bonus (you cannot make deposits directly into a Member Rewards account).
  9. Indexed Money Market Account. The Annual Percentage Yield (APY) is based on the upper bound of the federal funds rate as established by the Federal Open Market Committee (FOMC), which was 5.50% as of effectivedate. This account does not qualify for checks or debit cards. The APY may adjust at the start of each month, based on the most recent FOMC actions.
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