Rates

Rates effective as of

APY = Annual Percentage Yield
Fees may reduce earnings.

Click here to view our fee schedule.

MCCU Accounts

Share/Checking

Account Minimum Balance Dividend Rate APY
Share Savings $5.00 0.05% 0.05%
Club Accounts n/a 0.05% 0.05%
Regular Checking $0 minimum; Dividends paid on average daily balances of $2,500 and over 0.05% 0.05%
Kasasa Cash Checking Up to $15,000 3.69% 3.75%
Over $15,000 0.25% 0.25%
Non Qualify .05% .05%
Kasasa Saver Up to $25,000 1.00% 1.00%
Over $25,000 0.25% 0.25%
Non Qualify 0.05% 0.05%
Fresh Start Checking $0 minimum; Non interest bearing n/a n/a
Tier SuperSaver

Average daily balances of $1,000.00-$24,999.99 0.15% 0.15%
Average daily balances of $25,000.00-$74,999.99 0.20% 0.20%
Average daily balances of $75,000.00-$149.999.99 0.30% 0.30%
Average daily balances of $150,000.00-$249,999.99 0.40% 0.40%
Average daily balances of $250,000.00 or more 0.50% 0.50%
WiseSaver Average daily balances of $1000-$174,999.99 0.15% 0.15%
Average daily balances of $175,000+ 1.00% 1.00%
IRA Shares n/a 0.20% 0.20%
Health Savings Account $1000.00 0.10% 0.10%

APY = Annual Percentage Yield

All rates subject to change without prior notification.

Certificate of Deposit (CDs) View Details

CD Special

Term Minimum Deposit Dividend Rate Premier APY Advantage APY Loyal APY Valued Member APY
6 Month†† $1000.00 (No IRA) 0.30% 0.65% 0.55% 0.45% 0.30%
12 Month $500.00 0.40% 0.75% 0.65% 0.55% 0.40%
24 Month $500.00 0.50% 0.85% 0.75% 0.65% 0.50%
36 Month $500.00 0.60% 0.95% 0.85% 0.75% 0.60%
48 Month $500.00 0.70% 1.05% 0.95% 0.85% 0.70%
60 Month $500.00 0.80% 1.15% 1.05% 0.95% 0.80%

Penalty for early withdrawal.

APY = Annual Percentage Yield

†† No compounding

Any CD $50,000 minimum: additional .10% APY for 24 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

Vehicle Rates 2016 and Newer View Details

Term   Premier APR Advantage APR Loyal APR Valued Member APR
0 - 42 Months As low as 2.89% 2.99% 3.09% 3.24%
43 - 60 Months As low as 3.14% 3.24% 3.34% 3.49%
61 - 72 Months As low as 3.39% 3.49% 3.59% 3.74%
73 - 84 Months As low as 3.89% 3.99% 4.09% 4.24%

Vehicle Rates 2011-2015 View Details

Term   Premier APR Advantage APR Loyal APR Valued Member APR
0 - 42 Months As low as 5.89% 5.99% 6.09% 6.24%
43 - 60 Months As low as 6.14% 6.24% 6.34% 6.49%
61 - 72 Months As low as 6.39% 6.49% 6.59% 6.74%
73 - 84 Months As low as 6.89% 6.99% 7.09% 7.24%

Vehicle Rates 2010 and Older View Details

Term   Premier APR Advantage APR Loyal APR Valued Member APR
0 - 42 Months As low as 9.69% 9.79% 9.89% 10.24%
43 - 60 Months As low as 10.14% 10.24% 10.34 10.49%

Other Titled Collateral - New View Details

Term   Premier APR Advantage APR Loyal APR Valued Member APR
0 - 36 Months As low as 3.89% 3.99% 4.09% 4.24%
37 - 48 Months As low as 4.14% 4.24% 4.34% 4.49%
49 - 60 Months As low as 5.14% 5.24% 5.34% 5.49%

Other Titled Collateral - Used View Details

Term   Premier APR Advantage APR Loyal APR Valued Member APR
0 - 36 Months As low as 4.49% 4.59% 4.69% 4.74%
37 - 48 Months As low as 4.64% 4.74% 4.84% 4.99%
49 - 60 Months As low as 5.64% 5.74% 5.84% 5.99%

Recreational Vehicle Loans View Details

Term   Premier APR Advantage APR Loyal APR Valued APR
0 - 36 Months As low as 4.65% 4.75% 4.85% 5.00%
37 - 48 Months As low as 5.65% 5.75% 5.85% 6.00%
49 - 60 Months As low as 6.65% 6.75% 6.85% 7.00%

Personal Loans/Credit

Personal Loans View Details

Term   Premier  APR Advantage Member APR Loyal Member APR Valued Member APR
0 - 12 Months As low as 9.15% 9.25% 9.35% 9.50%
13 - 24 Months As low as 10.15% 10.25% 10.35% 10.50%
25 - 36 Months As low as 10.65% 10.75% 10.85% 11.00%
37 - 48 Months As low as 11.15% 11.25% 11.35% 11.50%
49 - 60 Months As low as 12.15% 12.25% 12.35% 12.50%
61 - 84 Months
(blended rate only)
As low as 12.40% 12.50% 12.60% 12.75%
30 - 180 Days
Wise Choice Loan
As low as 17.60% 17.75% 17.85% 18.00%

Share Pledge

Term   APR
48 Months
(maximum)
As low as 2.75%

CD Pledged

Term APR
Up to $50,000 2.0% over CD rate
$50,000 - $99,999 1.5% over CD rate
$100,000 + 1.0% over CD rate

Wise Rates & Rewards Visa® View Details

Card   APR
Wise Rates Visa® As low as 9.90%
Wise Rewards Visa® As low as 12.9%

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.

Mortgages View Details

Please Contact MCCU Mortgage Department for current rates.

Home Equity View Details

LTV Calculation Method Rate Points APR
up to 80% Prime 5.25% 0 5.25%
81 - 90% Prime + 1% 6.25% 0 6.25%
91 - 100% Prime + 2.50% 7.75% 0 7.75%

Unsecured Home Improvement Loans

Loan Amount Calculation Method Rate APR
up to $10,000 Prime + 3.00% 8.25% 8.25%
up to $25,000 Prime + 3.50% 8.50% 8.50%

APR = Annual Percentage Rate