Current Rates

Want to figure out a monthly payment? Check out our financial calculators.

Youth CDs
Effective Date: Thursday February 29, 2024
NameAPY*Minimum Opening Balance
24 or 36 Month Youth CD Special*** 5.00% $250
12 Month Youth CD** 1.75% $250
24 Month Youth CD** 1.75% $250
36 Month Youth CD** 2.00% $250
*APY = Annual Percentage Yield
** Youth CDs are available for members 18 years and under. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to.
***APY - Annual Percentage Yield. 4.89% interest rate compounded monthly. Minimum deposit of $250. Certificate must be opened under youth's name and SSN. The CD must have the same joint member as the savings account it is tied to. Additional funds may be added to the CD at any time. Promotion may be modified or discontinued at any time. MCCU is federally insured by the NCUA.

CDs
Effective Date: Thursday February 29, 2024
CD Options**APY*Minimum Opening Balance
3 Month CD 1.25% $1,000
6 Month CD 1.25% $1,000
12 Month CD 5.00% $1,000
18 Month CD 1.75% $1,000
24 Month CD 1.75% $1,000
36 Month CD 2.00% $1,000
48 Month CD 2.25% $1,000
60 Month CD 2.50% $1,000
*APY = Annual Percentage Yield
**Certificates may be subject to penalty for early withdrawal.

Auto Loans
Effective Date: Thursday February 29, 2024
NameRates as low asTerms up to
Community Advantage (2022 and newer) 6.49% APR* 72 Months
New Auto (2022 and newer) 6.74% APR* 84 Months
Used Auto (2018 - 2021) 7.49% APR* 72 Months
Oldie but Goodie (2017 and older) 8.49% APR* 60 Months
*APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected.

Recreational Loans
Effective Date: Thursday February 29, 2024
NameRates as low asTerms up to
Motorcycle (2022 and newer) 7.24% APR* 84 months
Motorcycle (2018-2021)) 8.24% APR* 72 months
Small Recreation (2022 and newer) 8.24% APR* 72 months
Small Recreation (2020 - 2018) 9.24% APR* 72 months
Large Recreation 7.49% APR* 180 months
*APR = Annual Percentage Rate. Rates listed above are estimates, and may vary by term selected.

Mortgages
Effective Date: Thursday February 29, 2024
Mortgage RatesContact Us
Click here for today's rates or contact us at (800) 541-2222

Home Equity Loans
Effective Date: Thursday February 29, 2024
NameRates as low asTerms up to
Home Equity Closed End Loan 7.24% APR* 10 years
Home Equity Line of Credit 8.25% 10 year draw, 10 year amortization
Variable rate based on prime rate plus margin
*APR = Annual Percentage Rate
For full HELOC disclosure click here

Credit Cards
Effective Date: Thursday February 29, 2024
APR* RangeEstimated Payment
9.99% - 17.99% 3% of balance**
*APR = Annual Percentage Rate. Lowest rate is for top tier credit. Click here for credit card information.
**Payment will be 3% of balance owed or $25, whichever is greater

Personal Loans
Effective Date: Thursday February 29, 2024
NameRates as low asTerms up to
Personal Loan 10.99% APR* 60 Months
Sound Foundation 5.50% APR* 36 Months
Cash on Demand 12.00% Revolving
Variable rate based on prime rate plus margin
Overdraft Protection Line of Credit 12.50% Revolving
Variable rate based on prime rate plus margin
*APR = Annual Percentage Rate

 

Saving Accounts
Effective Date: Thursday February 29, 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

IRA CDs
Effective Date: Thursday February 29, 2024
IRA CD Options**APY*Minimum Opening Balance
6 Month IRA CD 1.25% $500
12 Month IRA CD 1.75% $500
24 Month IRA CD 1.75% $500
36 Month IRA CD 2.00% $500
48 Month IRA CD 2.25% $500
60 Month IRA CD 2.50% $500
*APY = Annual Percentage Yield
**Certificates may be subject to penalty for early withdrawal.

 

Checking Accounts
Effective Date: Thursday February 29, 2024
NameDividend RateAPY*Minimum Opening Balance
Checking Non-interest bearing Non-interest bearing $0.00
Investment Checking .05% .05% $2,500
Investment Checking .10% .10% $10,000
Business Basic Checking Non-interest bearing Non-interest bearing $100
Business Plus Checking .05% .05% $2,500
Business Plus Checking .10% .10% $50,000
Business Plus Checking .15% .15% $100,000
*APY = Annual Percentage Yield

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