Rates

Rates effective as of

APY = Annual Percentage Yield

Fees may reduce earnings.

Click here to view our fee schedule.

MCCU Accounts

Share/Checking

AccountMinimum BalanceDividend RateAPY†
Share Savings$5.000.05%0.05%
Club Accountsn/a0.05%0.05%
Regular Checking$0 minimum; Dividends paid on average daily balances of $2,500 and over0.05%0.05%
Kasasa Cash CheckingUp to $15,0003.69%3.75%
Over $15,000.25%.25%
Non Qualify.05%.05%
Kasasa SaverUp to $25,0001.00%1.00%
Over $25,000.25%.25%
Non Qualify.05%.05%
Fresh Start Checking$0 minimum; Non interest bearingn/an/a
Tier Supershare Average daily balances of $1,000.00-$24,999.991.00%1.00%
Average daily balances of $25,000.00-$74,999.991.09%1.10%
Average daily balances of $75,000.00 or more1.19%1.20%
IRA Sharesn/a0.30%0.30%
Health Savings Account $1000.000.10%0.10%

†APY = Annual Percentage Yield

All rates subject to change without prior notification.

Certificate of Deposit (CDs)View Details

TermMinimum DepositDividend RateAdvantage Member APY†Loyal Member APY†Valued Member APY†
6 Month††$1000.00 (No IRA)1.60%2.10%1.85%1.60%
12 Month$500.001.88%2.40%2.15%1.90%
24 Month$500.002.23%2.75%2.50%2.25%
36 Month$500.002.33%2.85%2.60%2.35%
48 Month$500.002.57%3.10%2.85%2.60%
60 Month$500.002.81%3.35%3.10%2.85%

Penalty for early withdrawal.

†APY = Annual Percentage Yield

†† No compounding

Any CD $50,000 minimum: additional .15% APY for 24 month term, additional .25% APY for terms of 36 months and longer.

Certificate accounts are subject to penalty for early withdrawal.

Rates are subject to change without prior notification.

Fees could reduce earnings and principal on account.

Vehicle Loans

Auto LoansView Details

Vehicle Rates 2016 and Newer
Term Advantage Member APR†Loyal Member APR†Valued Member APR†
0 - 42 MonthsAs low as3.49%3.59%3.74%
43 - 60 MonthsAs low as3.74%3.84%3.99%
61 - 72 MonthsAs low as3.99%4.09%4.24%
73 - 84 MonthsAs low as4.49%4.59%4.74%
Vehicle Rates 2013 - 2015
TermAdvantage Member APR†Loyal Member APR†Valued Member APR†
0 - 42 MonthsAs low as3.74%3.84%3.99%
43 - 60 MonthsAs low as4.24%4.34%4.49%
61 - 72 MonthsAs low as4.49%4.59%4.74%
73 - 84 MonthsAs low as4.99%5.09%5.24%
Vehicle Rates 2011 - 2012
TermAdvantage Member APR†Loyal Member APR†Valued Member APR†
0 - 42 MonthsAs low as5.49%5.59%5.74%
43 - 60 MonthsAs low as5.99%6.09%6.24%
61 - 72 MonthsAs low as6.74%6.84%6.99%
Vehicle Rates 2010 and Older
TermAdvantage Member APR†Loyal Member APR†Valued Member APR†
24 - 36 MonthsAs low as7.74%7.84%7.99%
48 MonthsAs low as9.74%9.84% 9.99%
60 MonthsAs low as9.99%10.09%10.24%
Other Titled Collateral New
TermAdvantage Member APR†Loyal Member APR†Valued Member APR†
24 - 36 MonthsAs low as3.99%4.09%4.24%
48 MonthsAs low as4.24%4.34%4.49%
60 MonthsAs low as5.24%5.34%5.49%
Other Titled Collateral Used
TermAdvantage Member APR†Loyal Member APR†Valued Member APR†
24 - 36 MonthsAs low as4.59%4.69%4.74%
48 MonthsAs low as4.74%4.84% 4.99%
60 MonthsAs low as5.74%5.84%5.99%

Recreational Vehicle LoansView Details

TermAdvantage Member APR†Loyal Member APR†Valued Member APR†
24 - 36 MonthsAs low as4.75%4.85%5.00%
48 MonthsAs low as5.75%5.85%6.00%
60 MonthsAs low as6.75%6.85%7.00%

Personal Loans/Credit

Personal LoansView Details

TermAdvantage Member APR†Loyal Member APR†Valued Member APR†
0-12 MonthsAs low as9.25%9.35%9.50%
13-24 MonthsAs low as10.25%10.35%10.50%
25-36 MonthsAs low as10.75%10.85%11.00%
37-48 MonthsAs low as11.25%11.35%11.50%
49-60 MonthsAs low as12.25%12.35%12.50%
61-84 Months
(blended rate only)
As low as12.50%12.60%12.75%
30-180 Days
Wise Choice Loan
17.75%17.85%18.00%

Share Pledge

TermAPR†
48 Months
(maximum)
As low as2.75%

CD Pledged

TermAPR†
Up to $50,0002.0% over CD rate
$50,000 to $99,9991.5% over CD rate
$100,000 and Over1.0% over CD rate

Wise Rates & Rewards Visa® View Details

APR†
Wise Rates Visa®As low as8.90%
Wise Rewards Visa®As low as12.9%

†APR = Annual Percentage Rate

††72 months available for $15,000 or more

Rates listed are based upon credit score; (a score of 730 and above for other consumer loans and 740 and above for the Visa Platinum Credit Card). Your rate may be different based upon your credit score. Share or CD Pledged Loan rates are not impacted by credit score. An MCCU Representative can assist you with determining your interest rate. Rates are subject to change without prior notification.

MortgagesView Details

Please Contact MCCU Mortgage Department for current rates.

Home EquityView Details

LTVCalculation MethodRatePointsAPR†
up to 80%Prime5.25%05.25%
80 - 90%Prime + 1%6.25%06.25%

†APR = Annual Percentage Rate