Current Rates

Deposit Rates

Deposit Rates
Effective Date: Friday, November 20th, 2009
Account TypeRate (APY)CompoundingMinimum to Earn
Share (Savings) .25% Monthly $5.00 Minimum $300 To Earn
Senior Share (Savings) .25% Monthly $2,000 Minimum
Share Draft (Checking) Non-interest bearing Monthly $0.00
Investment Draft .25%
.50%
Monthly $2,500 Minimum
Over $10,000
High Yield 0.40%
0.50%
0.75%
Monthly $2,500
Over $25,000
Over $50,000
Christmas Club .25% Quarterly $1.00 Minimum
Vacation Club .25% Semi-Annual $1.00 minimum
Money Management Non-interest bearing   $0.00
*If average daily balance falls below $2,500 in Investment Checking account, a $10 fee will be issued.

Certificate Rates
Effective Date: Friday, November 20th, 2009
Certificate TypeRate (APY)CompoundingMinimum Deposit
YOUTH CD 12 Month 0.75% Monthy $250
YOUTH CD 24 Month 1.00% Monthly $250
YOUTH CD 36 Month 1.75% Monthly $250
3 Month 0.35% Monthly $1,000
3 Month 0.45% Monthly $10,000
6 Month 0.50% Monthly $1,000
6 Month 0.75% Monthly $10,000
12 Month 0.85% Monthly $1,000
12 Month 1.00% Monthly $10,000
18 Month 0.95% Monthly $1,000
18 Month 1.10% Monthly $10,000
24 Month 1.30% Monthly $1,000
24 Month 1.65% Quarterly $10,000
36 Months 1.85% Monthly $1,000
36 Months 2.01% Quarterly $10,000
48 Months 2.25% Monthly $1,000
48 Months 2.60% Quarterly $10,000
60 Months 2.50% Monthly $1,000
60 Months 2.90% Quarterly $10,000
BONUS CD 3 Months 0.65% Monthly $25,000
BONUS CD 6 Months 0.85% Monthly $25,000
BONUS CD 12 Months 1.10% Monthly $25,000
BONUS CD 18 Months 1.20% Monthly $25,000
BONUS CD 24 Months 1.65% Quarterly $25,000
BONUS CD 36 Months 2.15% Quarterly $25,000
BONUS CD 48 Months 2.75% Quarterly $25,000
BONUS CD 60 Months 3.15% Quarterly $25,000
IRA CD 6 Months 0.85% Quarterly $500
IRA CD 12 Months 1.10% Quarterly $500
IRA CD 24 Months 1.65% Quarterly $500
IRA CD 36 Months 2.15% Quarterly $500
IRA CD 48 Months 2.75% Quarterly $500
IRA CD 60 Months 3.15% Quarterly $500


 

Loan Rates

Loan Rates
Effective Date: 7/03/08
Loan TypeRate (APY)
New Auto Loans As low as 5.75%
(snowmobiles, watercraft, motorcycles, 4-wheelers)
Used Auto Loans As low as 6.49%
Personal Loans As low as 10.25%
Educational Loans As low as 9.25%
Recreational Vehicle Loans As low as 8.75%
(boats,travel trailers,motor homes)
Home Equity Loans
Click here to view Disclosure Information
Wall Street Prime +0
Revolving Line-of-Credit Loans As low as 9.00%
Mortgage Loans Changes frequently, please contact a loan officer


 

Loyalty Bonuses
Account TypeRateTerm
Jumbo CD Bonus: Level 1 Add .10% $100,000 & Over
Jumbo CD Bonus: Level 2 Add .10% $200,000 & Over
New Money Bonus Add .10% For money not currently on deposit at MCCCU, over $5000
Loan Bonus Add .10% If you have a mortgage/HELOC with a balance over $10K
Draft Account* Add .05%  
Money Mgt/ High Yield/ Senior Saving** Add .05%  
Direct Dep Add .10%  
eStatements Add .25%  
Debit Card Add .10%  
New Checking Add .10%  
Bill Pay Add .10%  
Additional Loan** .10% off  
Mortgage*** .20% off  


* All CDs not on special have a Maximum Loyalty Bonus of .20%. Jumbo CD Bonus applicable on all new CDs over $100,000. IRA CDs are also included in the Loyalty Bonus program.
*Active Draft Account qualifies as having ACH activity within the last 90 days with a positive balance or a new draft account with a minimum of $500 on deposit.
** Money Management Account must be active account with balance over $300.00
***Youth CD available for members 17 years and under; Youth cannot select term that matures past 18th birthday; Certificate must be opened under youth's name and SSN; Must have the same joint member that is on savings account with them.

Click here to view Disclosure Information

A penalty may be imposed for early withdrawal.

Note: APY (Annual Percentage Yield) means a percentage rate reflecting the total amount of dividend/interest paid on an account, based on the rate and the frequency of compounding for a 365 day period and calculated according to the rules of the Truth in Savings regulation.

The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union Board of Directors. Contact the credit union to inquire.

Fees may reduce earnings on accounts.

*Draft Account qualifies as having ACH activity within the last 90 days with a positive balance or a new draft account with a minimum of $500 on deposit. Loyalty bonus not valid on specials.
** Additional loan must be current with a balance (mortgage not included)
***1st/2nd mortgage or HELOC above $10,000 held at MCCCU, not a third party
Maximum interest rate decrease 0.50%

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