Rates effective as of

APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.

View our fee schedule.

MCCU Accounts

Kasasa Cash* Learn More

Balance Minimum Opening Deposit Rate APY
0 to $15,000 $0 2.96% 3.00%
$15,000+ $0 0.25% 3.00% to 0.60%
All balances if qualifications not met $0 0.05% 0.05%

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle: 

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

If you don't meet the qualifications one month, don't worry! There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning high dividends and refunds on ATM withdrawal fees the very next month.

Kasasa Saver‡ Learn More

Balance Minimum Opening Deposit Rate APY
0 to $25,000 $0 1.00% 1.00%
$25,000+ $0 0.25% 1.00% to 0.40%
All balances if qualifications not met $0 0.05% 0.05%

Qualifications to Earn the Higher Rate

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: 

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

If you don't meet the qualifications, don't worry! There's no penalty and both accounts are still free — and you'll earn our base rate on your Kasasa Saver balance. Plus, you can get back to earning the full rewards the very next month.

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%
Fresh Start Checking $0 minimum; Non interest bearing n/a n/a
IRA Shares n/a 0.15% 0.15%
Health Savings Account $1000.00 0.10% 0.10%

APY = Annual Percentage Yield

All rates subject to change without prior notification.

Tier SuperSaver Learn More

Balance Dividend Rate APY
Average daily balances of $1,000 - $24,999.99 0.15% 0.15%
Average daily balances of $25,000 - $74,999.99 0.20% 0.20%
Average daily balances of $75,000 - $149.999.99 0.25% 0.25%
Average daily balances of $150,000 - $249,999.99 0.30% 0.30%
Average daily balances of $250,000+ 0.35% 0.35%

APY = Annual Percentage Yield

All rates subject to change without prior notification.

WiseSaver Learn More

Balance Dividend Rate APY
Average daily balances of $1,000 - $174,999.99 0.15% 0.15%
Average daily balances of $175,000+ 0.70% 0.70%

APY = Annual Percentage Yield

All rates subject to change without prior notification.

Certificate of Deposit (CDs) Learn More

CD Special

Term Minimum Deposit Dividend Rate Premier APY Advantage APY Loyal APY Valued APY
6 Month†† $1000.00 (No IRA) 0.30% 0.65% 0.55% 0.45% 0.30%
12 Month $500.00 0.50% 0.85% 0.75% 0.65% 0.50%
24 Month $500.00 0.60% 0.95% 0.85% 0.75% 0.60%
36 Month $500.00 0.70% 1.05% 0.95% 0.85% 0.70%
48 Month $500.00 0.75% 1.10% 1.00% 0.90% 0.75%
60 Month $500.00 0.85% 1.20% 1.10% 1.00% 0.85%

Penalty for early withdrawal.

APY = Annual Percentage Yield

†† No compounding

Any CD $50,000 minimum: additional .15% 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.

Business Relationship Checking Learn More

Balance Dividend Rate APY
$25,000* - $74,999.99 0.15% 0.15%
$75,000 - $149,999.99 0.20% 0.20%
$150,000 - $250,000* 0.25% 0.25%

APY =  Annual Percentage Yield

*Balances under $25,000 and over $250,000 do not earn interest.

All rates are subject to change without prior notification.

Vehicle Loans

Vehicle Rates 2013 and Newer Learn More

Term   Premier APR Advantage APR Loyal APR Valued APR
0 - 42 Months As low as 3.49% 3.59% 3.69% 3.84%
43 - 60 Months As low as 3.89% 3.99% 4.09% 4.24%
61 - 72 Months As low as 4.14% 4.24% 4.34% 4.49%
73 - 84 Months As low as 4.64% 4.74% 4.84% 4.99%

Vehicle Rates 2012 and Older Learn More

Term   Premier APR Advantage APR Loyal APR Valued APR
0 - 42 Months As low as 10.64% 10.74% 10.84% 10.99%
43 - 60 Months As low as 10.89% 10.99% 11.09% 11.24%

Other Titled Collateral - New Learn More

Term   Premier APR Advantage APR Loyal APR Valued APR
0 - 60 Months As low as 4.89% 4.99% 5.09% 5.24%
61 - 120 Months As low as 5.14% 5.24% 5.34% 5.49%
121 - 140 Months As low as 6.14% 6.24% 6.34% 6.49%
141 - 180 Months As low as 8.14% 8.24% 8.34% 8.49%

Other Titled Collateral - Used Learn More

Term   Premier APR Advantage APR Loyal APR Valued APR
0 - 60 Months As low as 5.39% 5.49% 5.59% 5.74%
61 - 120 Months As low as 5.64% 5.74% 5.84% 5.99%
121 - 140 Months As low as 6.64% 6.74% 6.84% 6.99%
141 - 180 Months As low as 8.64% 8.74% 8.84% 8.99%

Recreational Vehicle Loans Learn More

Term   Premier APR Advantage APR Loyal APR Valued APR
0 - 36 Months As low as 6.15% 6.25% 6.35% 6.50%
37 - 48 Months As low as 7.15% 7.25% 7.35% 7.50%
49 - 60 Months As low as 8.15% 8.25% 8.35% 8.50%

Personal Loans/Credit

Personal Loans Learn More

Term   Premier  APR Advantage  APR Loyal APR Valued 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® Learn More

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 Learn More

Please Contact MCCU Mortgage Department for current rates.

Home Equity Learn More

LTV Calculation Method Rate Points APR
up to 80% Prime 6.25% 0 6.25%
81 - 90% Prime + 1.00% 7.25% 0 7.25%
91 - 100% Prime + 2.50% 8.75% 0 8.75%

Unsecured Home Improvement Loans Learn More

Loan Amount Calculation Method Rate APR
up to $10,000 Prime + 3.00% 9.25% 9.25%
up to $25,000 Prime + 3.50% 9.75% 9.75%

APR = Annual Percentage Rate