High Yield Savings Account

This savings account yields a higher rate of interest for members that maintain larger balances with MCCU. Keep in mind the $2,500 required to open the account will be secured, so you will not be able to utilize those funds for your daily spending needs. If you need to access those funds, you can reach out to MCCU and we'll help you transfer the funds to another savings account.

  • Earn dividends on all balances
  • Tiered rates--the higher your balance, the more interest you’ll earn
  • No monthly fee with average daily balance of $2,500+
  • Direct deposit available for all or just a portion of your check
  • Enjoy the convenience of 24/7 account access through online and mobile banking

Saving Accounts
Effective Date: Tuesday May 28, 2024
NameDividend RateAPY*Minimum Opening Balance
Basic Savings 0.03% 0.03% $5.00 ($300 to earn)
High Yield Savings 0.10% 0.10% $2,500
High Yield Savings 0.30% 0.30% Over $25,000
High Yield Savings 0.50% 0.50% Over $50,000
High Yield Savings 0.50% 0.50% Over $75,000
High Yield Savings 0.75% 0.75% Over $100,000
Holiday Savings 0.03% 0.03% $0.00 ($100 to earn interest)
Vacation Savings 0.03% 0.03% $0.00
IRA Savings (Traditional, Roth, and Educational) 0.05% 0.05% $0.00
*APY = Annual Percentage Yield

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