Current Rates
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We appreciate you! Take 1% APR1 off all consumer term loans. 1% discount not reflected below.
| Auto Loans |
| Effective Date: Thursday July 29, 2021 |
| Name | Rates as low as | Terms up to |
| New Auto (2019 - 2021) |
2.99% APR* |
60 Months |
| New Auto (2019 - 2021) |
4.25% APR* |
84 Months |
| Used Auto (2015 - 2018) |
4.25% APR* |
72 Months |
| Used Auto (2015 - 2018) |
4.75% APR* |
84 Months |
| First Time Auto Buyer |
8.99% APR* |
60 Months |
| Oldie but Goodie (2014 and older) |
5.75% APR* |
Determined by collateral |
| *APR = Annual Percentage Rate |
| Recreational Loans |
| Effective Date: Thursday July 29, 2021 |
| Name | Rates as low as | Terms up to |
| Motorcycle (2021 - 2019) |
5.00% APR* |
84 months |
| Motorcycle (2018 - 2015) |
5.50% APR* |
72 months |
| Small Recreation (2021 - 2019) |
5.25% APR* |
72 months |
| Small Recreation (2018 - 2015) |
6.40% APR* |
72 months |
| Large Recreation |
4.25% APR* |
180 months |
| *APR = Annual Percentage Rate |
| Mortgages |
| Effective Date: Thursday July 29, 2021 |
| Mortgage Rates | Contact Us |
| Click here for today's rates |
or contact us at (800) 541-2222 |
| Home Equity Loans |
| Effective Date: Thursday July 29, 2021 |
| Name | Rates as low as | Terms up to |
| Home Equity Closed End Loan |
3.99% APR* |
15 years |
| Home Equity Line of Credit |
3.00% APR* |
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 July 29, 2021 |
| APR* Range | Estimated 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 $30, whichever is greater |
| Personal Loans |
| Effective Date: Thursday July 29, 2021 |
| Name | Rates as low as | Terms up to |
| Personal Loan |
8.99% APR* |
60 Months |
| Sound Foundation |
5.50% APR* |
36 Months |
| Cash on Demand |
6.75% APR* |
Revolving |
| Variable rate based on prime rate plus margin |
| Overdraft Protection Line of Credit |
7.25% APR* |
Revolving |
| Variable rate based on prime rate plus margin |
| *APR = Annual Percentage Rate | Variable rate products are not eligible for 1% discount |
| Saving Accounts |
| Effective Date: Thursday July 29, 2021 |
| Name | Dividend Rate | APY* | Minimum Opening Balance |
| Basic Savings |
0.03% |
0.03% |
$5.00 ($300 to earn) |
| High Yield Savings |
0.03% |
0.03% |
$2,500 |
| High Yield Savings |
0.07% |
0.07% |
Over $25,000 |
| High Yield Savings |
0.10% |
0.10% |
Over $50,000 |
| High Yield Savings |
0.10% |
0.10% |
Over $75,000 |
| High Yield Savings |
0.15% |
0.15% |
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 |
| CDs |
| Effective Date: Thursday July 29, 2021 |
| CD Options** | APY* | Minimum Opening Balance |
| 3 Month CD |
.15% |
$1,000 |
| 6 Month CD |
.15% |
$1,000 |
| 12 Month CD |
.25% |
$1,000 |
| 18 Month CD |
.25% |
$1,000 |
| 24 Month CD |
.35% |
$1,000 |
| 36 Month CD |
.40% |
$1,000 |
| 48 Month CD |
.50% |
$1,000 |
| 60 Month CD |
.60% |
$1,000 |
| 3 Month CD |
.15% |
$10,000 |
| 6 Month CD |
.15% |
$10,000 |
| 12 Month CD |
.25% |
$10,000 |
| 18 Month CD |
.25% |
$10,000 |
| 24 Month CD |
.35% |
$10,000 |
| 36 Month CD |
.40% |
$10,000 |
| 48 Month CD |
.50% |
$10,000 |
| 60 Month CD |
.60% |
$10,000 |
| 3 Month Bonus CD |
.15% |
$25,000 |
| 6 Month Bonus CD |
.15% |
$25,000 |
| 12 Month Bonus CD |
.25% |
$25,000 |
| 18 Month Bonus CD |
.25% |
$25,000 |
| 24 Month Bonus CD |
.35% |
$25,000 |
| 36 Month Bonus CD |
.40% |
$25,000 |
| 48 Month Bonus CD |
.50% |
$25,000 |
| 60 Month Bonus CD |
.60% |
$25,000 |
| *APY = Annual Percentage Yield |
| **Certificates may be subject to penalty for early withdrawal. |
| IRA CDs |
| Effective Date: Thursday July 29, 2021 |
| IRA CD Options** | APY* | Minimum Opening Balance |
| 6 Month IRA CD |
.15% |
$500 |
| 12 Month IRA CD |
.25% |
$500 |
| 24 Month IRA CD |
.35% |
$500 |
| 36 Month IRA CD |
.40% |
$500 |
| 48 Month IRA CD |
.50% |
$500 |
| 60 Month IRA CD |
.60% |
$500 |
| *APY = Annual Percentage Yield |
| **Certificates may be subject to penalty for early withdrawal. |
| Youth CDs |
| Effective Date: Thursday July 29, 2021 |
| Name | APY* | Minimum Opening Balance |
| 12 Month Youth CD** |
0.25% |
$250 |
| 24 Month Youth CD** |
0.35% |
$250 |
| 36 Month Youth CD** |
0.40% |
$250 |
| *APY = Annual Percentage Yield |
| ** Youth CD are available for members 17 years and under. These CDs cannot have a term that matures after the 18th birthday of the youth. 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. |
| Checking Accounts |
| Effective Date: Thursday July 29, 2021 |
| Name | Dividend Rate | APY* | 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 |
1 APR = Annual Percentage Rate. Subject to credit approval. Offer available to new and refinanced consumer term loans. Offer may be discontinued or modified at any time. 1% discount will be applied to qualifying rate based on creditworthiness and cannot be combined with any other offer. May not be applied to existing MCCU loans. Terms and conditions may apply.
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