APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.
MCCU Accounts
Kasasa Cash* Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 to $15,000 | $0 | 4.89% | 5.00% |
| $15,000+ | $0 | 0.25% | 5.00% to 0.87% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don't meet the qualifications one month, don't worry! There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning high dividends and refunds on ATM withdrawal fees the very next month.
Kasasa Saver‡ Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 to $25,000 | $0 | 1.98% | 2.00% |
| $25,000+ | $0 | 0.25% | 2.00% to 0.60% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications to Earn the Higher Rate
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don't meet the qualifications, don't worry! There's no penalty and both accounts are still free — and you'll earn our base rate on your Kasasa Saver balance. Plus, you can get back to earning the full rewards the very next month.
Share/Checking
| Account | Minimum Balance | Dividend Rate | APY† |
|---|---|---|---|
| Share Savings | $5.00 | 0.05% | 0.05% |
| Club Accounts | n/a | 0.05% | 0.05% |
| Regular Checking | $0 minimum; Dividends paid on average daily balances of $2,500 and over | 0.05% | 0.05% |
| Fresh Start Checking | $0 minimum; Non interest bearing | n/a | n/a |
| IRA Shares | n/a | 0.50% | 0.50% |
| Health Savings Account | $1000.00 | 0.10% | 0.10% |
†APY = Annual Percentage Yield
All rates subject to change without prior notification.
Tier SuperSaver Learn More
| Balance | Dividend Rate | APY† |
|---|---|---|
| Average daily balances of $1,000 - $24,999.99 | 0.70% | 0.70% |
| Average daily balances of $25,000 - $74,999.99 | 0.85% | 0.85% |
| Average daily balances of $75,000 - $149.999.99 | 1.00% | 1.00% |
| Average daily balances of $150,000 - $249,999.99 | 1.09% | 1.10% |
| Average daily balances of $250,000+ | 1.14% | 1.15% |
†APY = Annual Percentage Yield
All rates subject to change without prior notification.
WiseSaver Learn More
| Balance | Dividend Rate | APY† |
|---|---|---|
| Average daily balances of $1,000 - $174,999.99 | 0.70% | 0.70% |
| Average daily balances of $175,000+ | 1.29% | 1.30% |
†APY = Annual Percentage Yield
All rates subject to change without prior notification.
Certificate of Deposit (CDs) Learn More
CD Special
| Term | Minimum Deposit | Dividend Rate | Premier APY† | Advantage APY† | Loyal APY† | Valued APY† |
|---|---|---|---|---|---|---|
| 6 Month†† | $1000.00 (No IRA) | 1.30% | 1.65% | 1.55% | 1.45% | 1.30% |
| 12 Month | $500.00 | 1.29% | 1.65% | 1.55% | 1.45% | 1.30% |
| 24 Month | $500.00 | 1.29% | 1.65% | 1.55% | 1.45% | 1.30% |
| 36 Month | $500.00 | 1.29% | 1.65% | 1.55% | 1.45% | 1.30% |
| 48 Month | $500.00 | 1.34% | 1.70% | 1.60% | 1.50% | 1.35% |
| 60 Month | $500.00 | 1.39% | 1.75% | 1.65% | 1.55% | 1.40% |
Penalty for early withdrawal.
†APY = Annual Percentage Yield
†† No compounding
Any CD $50,000 minimum: additional .15% APY for 24 months and longer
Certificate accounts are subject to penalty for early withdrawal.
Rates are subject to change without prior notification.
Fees could reduce earnings and principal on account.
Business Relationship Checking Learn More
| Balance | Dividend Rate | APY† |
| $25,000* - $74,999.99 | 0.20% | 0.20% |
| $75,000 - $149,999.99 | 0.25% | 0.25% |
| $150,000 - $250,000* | 0.30% | 0.30% |
†APY = Annual Percentage Yield
*Balances under $25,000 and over $250,000 do not earn interest.
All rates are subject to change without prior notification.
Vehicle Loans
Vehicle Rates 2015 and Newer Learn More
| Term | Premier APR† | Advantage APR† | Loyal APR† | Valued APR† | |
|---|---|---|---|---|---|
| 0 - 42 Months | As low as | 6.39% | 6.49% | 6.59% | 6.74% |
| 43 - 60 Months | As low as | 6.64% | 6.74% | 6.84% | 6.99% |
| 61 - 72 Months | As low as | 6.89% | 6.99% | 7.09% | 7.24% |
| 73 - 84 Months | As low as | 7.39% | 7.49% | 7.59% | 7.74% |
Vehicle Rates 2014 and Older Learn More
| Term | Premier APR† | Advantage APR† | Loyal APR† | Valued APR† | |
|---|---|---|---|---|---|
| 0 - 42 Months | As low as | 8.39% | 8.49% | 8.59% | 8.74% |
| 43 - 60 Months | As low as | 8.64% | 8.74% | 8.84% | 8.99% |
Other Titled Collateral - New Learn More
| Term | Premier APR† | Advantage APR† | Loyal APR† | Valued APR† | |
|---|---|---|---|---|---|
| 0 - 60 Months | As low as | 8.39% | 8.49% | 8.59% | 8.74% |
| 61 - 120 Months | As low as | 8.64% | 8.74% | 8.89% | 8.99% |
| 121 - 140 Months | As low as | 9.64% | 9.74% | 9.84% | 9.99% |
| 141 - 180 Months | As low as | 11.64% | 11.74% | 11.84% | 11.99% |
Other Titled Collateral - Used Learn More
| Term | Premier APR† | Advantage APR† | Loyal APR† | Valued APR† | |
|---|---|---|---|---|---|
| 0 - 60 Months | As low as | 8.89% | 8.99% | 9.09% | 9.24% |
| 61 - 120 Months | As low as | 9.14% | 9.24% | 9.34% | 9.49% |
| 121 - 140 Months | As low as | 10.14% | 10.24% | 10.34% | 10.49% |
| 141 - 180 Months | As low as | 12.14% | 12.24% | 12.34% | 12.49% |
Recreational Vehicle Loans Learn More
| Term | Premier APR† | Advantage APR† | Loyal APR† | Valued APR† | |
|---|---|---|---|---|---|
| 0 - 36 Months | As low as | 8.89% | 8.99% | 9.09% | 9.24% |
| 37 - 48 Months | As low as | 9.89% | 9.99% | 10.09% | 10.24% |
| 49 - 60 Months | As low as | 10.89% | 10.99% | 11.09% | 11.24% |
Personal Loans/Credit
Personal Loans Learn More
| Term | Premier APR† | Advantage APR† | Loyal APR† | Valued APR† | |
|---|---|---|---|---|---|
| 0 - 12 Months | As low as | 12.14% | 12.24% | 12.34% | 12.49% |
| 13 - 24 Months | As low as | 12.64% | 12.74% | 12.84% |
12.99% |
| 25 - 36 Months | As low as | 13.14% | 13.24% | 13.34% |
13.49% |
| 37 - 48 Months | As low as | 13.64% | 13.74% | 13.84% | 13.99% |
| 49 - 60 Months | As low as | 15.14% | 15.24% | 15.34% | 15.49% |
| 61 - 84 Months (blended rate only) |
As low as | 15.64% | 15.74% | 15.84% | 15.99% |
| 30 - 180 Days Wise Choice Loan |
As low as | 17.60% | 17.75% | 17.85% | 18.00% |
Share Pledge
| Term | APR† | |
|---|---|---|
| 48 Months (maximum) | As low as | 2.75% |
CD Pledged
| Term | APR† |
|---|---|
| Up to $50,000 | 2.0% over CD rate |
| $50,000 - $99,999 | 1.5% over CD rate |
| $100,000 + | 1.0% over CD rate |
Wise Rates & Rewards Visa® Learn More
| Card | Annual Percentage | Earn Rewards | Annual Fee | Balance Transfer | Cash Advance | Late Payment | Foreign Transaction Fee |
|---|---|---|---|---|---|---|---|
| Wise Rates Visa®† | 12.75% - 20.75% APR* | No Fee | No Fee | No Fee | Up to $20 | 1.00% of each transaction in U.S Dollars | |
| Wise Rewards Visa®
†† |
14.75% - 22.75% APR* | 1% cash back on purchases | No Fee | No Fee | No Fee | Up to $20 | 1.00% of each transaction in U.S Dollars |
* APR = Annual Percentage Rate
† Wise Rate card has 12.75%-20.75% variable APR (Annual Percentage Rate) when you open your account based on creditworthiness. This APR will vary with the market based on the Prime Rate.
†† Wise Reward card has 14.75%-22.75% variable APR (Annual Percentage Rate) when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Rates listed are based upon credit score; (a score of 740 and above for other consumer loans and the Visa Platinum Credit Card). Your rate may be different based upon your credit score. Share or CD Pledged Loan rates are not impacted by credit score. An MCCU Representative can assist you with determining your interest rate. Rates are subject to change without prior notification.
Mortgages Learn More
Please Contact MCCU Mortgage Department for current rates.
Home Equity Learn More
| LTV | Calculation Method | Rate | Points | APR† |
|---|---|---|---|---|
| up to 80% | Prime | 7.75% | 0 | 7.75% |
| 81 - 90% | Prime + 1.00% | 8.75% | 0 | 8.75% |
| 91 - 100% | Prime + 2.50% | 10.25% | 0 | 10.25% |
Unsecured Home Improvement Loans Learn More
| Loan Amount | Calculation Method | Rate | APR† |
|---|---|---|---|
| up to $10,000 | Prime + 3.00% | 10.75% | 10.75% |
| up to $25,000 | Prime + 3.50% | 11.25% | 11.25% |
†APR = Annual Percentage Rate