Current Rates

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

Support local businesses and take 1% APR1 off all consumer term loans! 1% discount not reflected below.

Auto Loans
Effective Date: Sunday May 9, 2021
NameRates as low asTerms up to
New Auto (2019 - 2021) 2.99% APR* 72 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: Sunday May 9, 2021
NameRates as low asTerms 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: Sunday May 9, 2021
Mortgage RatesContact Us
Click here for today's rates or contact us at (800) 541-2222

Home Equity Loans
Effective Date: Sunday May 9, 2021
NameRates as low asTerms 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: Sunday May 9, 2021
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 $30, whichever is greater

Personal Loans
Effective Date: Sunday May 9, 2021
NameRates as low asTerms 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: Sunday May 9, 2021
NameDividend RateAPY*Minimum Opening Balance
Basic Savings 0.05% 0.05% $5.00 ($300 to earn)
High Yield Savings 0.05% 0.05% $2,500
High Yield Savings 0.10% 0.10% Over $25,000
High Yield Savings 0.15% 0.15% Over $50,000
Holiday Savings 0.05% 0.05% $0.00 ($100 to earn interest)
Vacation Savings 0.00% 0.00% $0.00
IRA Savings (Traditional, Roth, and Educational) 0.05% 0.05% $0.00
*APY = Annual Percentage Yield

CDs
Effective Date: Sunday May 9, 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: Sunday May 9, 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: Sunday May 9, 2021
NameAPY*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: Sunday May 9, 2021
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

 

 

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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