Overdraft Protection

Offers a safety net in the event a transaction overdraws your account.

  • Used to protect transaction accounts from having a negative balance
  • Provides peace of mind in knowing payments will be honored
  • We offer multiple options available for you to protect your account from being drawn negative
    • Overdraft from another MCCCU account (Savings, Secondary Savings, etc.)
      • Free to set up and utilize
      • Helps avoid NSF fees
      • Uses funds in your other accounts to honor payments 
      • Always there when you need it
    • Overdraft Protection Line of Credit
      • Helps avoid NSF fees
      • Revolving line of credit - pay interest only on the amount you overdraft
      • Always there when you need it

Personal Loans
Effective Date: Monday September 28, 2020
NameRates as low asTerms up to
Personal Loan 7.99% APR* 60 Months
Sound Foundation 5.50% APR* 36 Months
Cash on Demand 6.75% APR* Revolving LOC
Variable rate based on prime rate plus margin
Overdraft Protection Line of Credit 7.25% APR* Revolving LOC
Variable rate based on prime rate plus margin
*APR = Annual Percentage Rate | Variable rate products are not eligible for 1% discount

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