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 $25,0002.23%2.25%
Over $25,000.25%.25%
Non Qualify.05%.05%
Kasasa SaverUp to $25,000.50%.50%
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-$24,999.990.25%0.25%
Average daily balances of $25,000.00 and over0.35%0.35%
IRA Sharesn/a0.20%0.20%
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 RateAPY†Advantage APY†Loyal Member APY†
6 Month††$1000.00 (No IRA)0.35%0.35%0.60%0.50%
12 Month$500.000.50%0.50%0.75%0.65%
24 Month$500.000.70%0.70%0.95%0.85%
36 Month$500.001.15%1.15%1.40%1.30%
48 Month$500.001.39%1.40%1.65%1.55%
60 Month$500.001.98%2.00%2.25%2.15%

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 2015 and Newer
TermAPR†Advantage APR†Loyal Member APR†
0 - 42 MonthsAs low as1.99%1.74%1.84%
43 - 54 MonthsAs low as2.74%2.49%2.59%
55 - 66 MonthsAs low as2.99%2.74%2.84%
67 - 78 Months
(vehicles $12,500 or more)
As low as3.49%3.24%3.34%
Vehicle Rates 2012 - 2014
TermAs low asAPR†Advantage APR†Loyal Member APR†
0 - 42 MonthsAs low as2.49%2.24%2.34%
43 - 54 MonthsAs low as3.24%2.99%3.09%
55 - 66 MonthsAs low as3.49%3.24%3.34%
67 - 78 MonthsAs low as3.99%3.74%3.84%
Vehicle Rates 2010 - 2011
TermAPR†Advantage APR†Loyal Member APR†
0 - 42 MonthsAs low as4.49%4.24%4.34%
43 - 54 MonthsAs low as4.99%4.74%4.84%
55 - 66 MonthsAs low as5.74%5.49%5.59%
Vehicle Rates 2009 and Older
TermAs low asAPR†Advantage APR†Loyal Member APR†
0 - 36 MonthsAs low as6.49%6.24%6.34%
37 - 48 MonthsAs low as8.49%8.24%8.34%
Other Titled Collateral New
TermAPR†Advantage APR†Loyal Member APR†
24 - 36 MonthsAs low as4.24%3.99%3.89%
48 MonthsAs low as4.49%4.24%4.34%
60 MonthsAs low as5.49%5.24%5.34%
Other Titled Collateral Used
TermAPR†Advantage APR†Loyal Member APR†
24 - 36 MonthsAs low as4.74%4.59%4.69%
48 MonthsAs low as4.99%4.74%4.84%
60 MonthsAs low as5.99%5.74%5.84%

Recreational Vehicle LoansView Details

TermAPR†Advantage APR†Loyal Member APR†
24 - 36 MonthsAs low as5.00%4.75%4.85%
48 MonthsAs low as6.00%5.75%5.85%
60 MonthsAs low as7.00%6.75%6.85%

Personal Loans/Credit

Personal LoansView Details

TermAPR†Advantage APR†Loyal Member APR†
0-12 MonthsAs low as8.25%8.00%8.10%
13-24 MonthsAs low as9.25%9.00%9.10%
25-36 MonthsAs low as9.75%9.50%9.60%
37-48 MonthsAs low as10.25%10.00%10.10%
49-60 MonthsAs low as11.25%11.00%11.10%
61-78 Months
(blended rate only)
As low as11.50%11.25%11.35%
30-180 Days
Wise Choice Loan
18.00%17.75%17.85%

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%Prime4.50%04.50%
80 - 90%Prime + 1%4.50%04.50%

†APR = Annual Percentage Rate