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 .25% .25%
Non Qualify .05% .05%
Kasasa Saver Up to $25,000 1.00% 1.00%
Over $25,000 .25% .25%
Non Qualify .05% .05%
Fresh Start Checking $0 minimum; Non interest bearing n/a n/a
Tier Super Share Savings Average daily balances of $1,000.00-$24,999.99 .50% .50%
Average daily balances of $25,000.00-$74,999.99 1.09% 1.10%
Average daily balances of $75,000.00-$149.999.99 1.19% 1.20%
Average daily balances of $150,000.00-$249,999.99 1.29% 1.30%
Average daily balances of $250,000.00 or more 1.69% 1.70%
IRA Shares n/a 0.50% 0.50%
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) 1.30% 1.65% 1.55% 1.45% 1.30%
12 Month $500.00 1.59% 1.95% 1.85% 1.75% 1.60%
24 Month $500.00 1.69% 2.05% 1.95% 1.85% 1.70%
36 Month $500.00 1.88% 2.25% 2.15% 2.05% 1.90%
48 Month $500.00 2.08% 2.45% 2.35% 2.25% 2.10%
60 Month $500.00 2.28% 2.65% 2.55% 2.45% 2.30%

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
Term   Premier APR† Advantage APR† Loyal APR† Valued Member APR†
0 - 42 Months As low as 3.14% 3.24% 3.34% 3.49%
43 - 60 Months As low as 3.39% 3.49% 3.59% 3.74%
61 - 72 Months As low as 3.64% 3.74% 3.84% 3.99%
73 - 84 Months As low as 4.14% 4.24% 4.34% 4.49%
Vehicle Rates 2010 - 2014
Term   Premier APR†  Advantage APR† Loyal APR† Valued Member APR†
0 - 42 Months As low as  6.14% 6.24% 6.34% 6.49%
43 - 60 Months As low as  6.39% 6.49% 6.59% 6.74%
61 - 72 Months As low as  6.64% 6.74% 6.84% 6.99%
73 - 84 Months As low as  7.14% 7.24% 7.34% 7.49%
Vehicle Rates 2009 and Older
Term   Premier APR†  Advantage APR† Loyal APR† Valued Member APR†
0 - 42 Months As low as 10.14% 10.24% 10.34% 10.49%
43 - 60 Months As low as 10.39% 10.49% 10.59% 10.74%
Other Titled Collateral - New
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
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 LoansView 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 LoansView 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 9.65% 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

    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.

MortgagesView Details

Please Contact MCCU Mortgage Department for current rates.

Home EquityView 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

  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