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Savings
Rates Effective as of March 17th, 2026
Account Type | Dividend Rate | *APY | Compounds | Dividends Paid | Minimum Balance to Earn APY |
|---|---|---|---|---|---|
Share Savings | 0.50 % | 0.50 % | Daily | Monthly | $0.01 |
Christmas Club^ | 5.25 % | 5.26 % | Daily | Annually | $5000.00 |
Vacation Club^ | 5.00 % | 5.00 % | Daily | Annually | $5000.00 |
IRA-Traditional or Roth | 2.30 % | 2.33 % | Daily | Monthly | $500.00 |
HSA | 2.30 % | 2.33 % | Daily | Monthly | $500.00 |
*A.P.Y = Annual Percentage Yield. APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings. There is not a required minimum balance to avoid a service fee. Transaction limitations may apply.
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^The stated rate applies only to the first $5,000 deposited. Any funds over $5,000 will earn the regular share dividend rate in effect at the time of the posting date. *APY (Annual Percentage Yield) APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Early withdrawals are not permitted unless the entire balance is withdrawn. No dividends will be paid on early withdrawals. Rate may change after the opening of any of the above accounts. Annual dividend rates on Christmas and Vacation Club accounts are set by MCCU's Board of Directors and are published by the end of the quarter preceding the annual posting date. At maturity, funds will either be automatically transferred to your primary share account or a check for the full balance will be mailed to the address on file.
Money Market
Rates Effective as of March 17th, 2026
Tiers | Rate | *APY | Compounds | Dividends Paid | Minimum Balance to Earn APY |
|---|---|---|---|---|---|
Tier 1 ($.01 to $499.99) | 0.50% | 0.50% | Daily | Monthly | $0.01 |
Tier 2 ($500 to $50,000) | 1.00 % | 1.01 % | Daily | Monthly | $500.00 |
Tier 3 ($50,000.01 to $100,000) | 1.25 % | 1.26 % | Daily | Monthly | $50,000.01 |
Tier 4 ($100,000.01+) | 1.50 % | 1.51 % | Daily | Monthly | $100,000.01 |
*A.P.Y = Annual Percentage Yield. APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. These rates are variable rates. Rate may change after the opening of any of the above accounts. Fees may reduce earnings. There is not a required minimum balance to avoid a service fee. Transaction limitations may apply.
Share and IRA Certificates
Rates Effective as of March 17th, 2026
Investment Term | Rate | *APY | Compounds | Dividends Paid |
|---|---|---|---|---|
3 Month (Not Available for IRAs) | 0.70% | 0.70% | Daily | Monthly |
6 Month (Not Available for IRAs) | 2.75% | 2.79% | Daily | Monthly |
9 Month (Not Available for IRAs) | 2.75% | 2.79% | Daily | Monthly |
12 Month | 2.85% | 2.89% | Daily | Monthly |
18 Month | 2.85% | 2.89% | Daily | Monthly |
24 Month | 3.00% | 3.05% | Daily | Monthly |
30 Month | 3.00% | 3.05% | Daily | Monthly |
36 Month | 3.15% | 3.20% | Daily | Monthly |
48 Month | 3.25% | 3.30% | Daily | Monthly |
60 Month | 3.35% | 3.41% | Daily | Monthly |
*Annual Percentage Yield. APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Rates are fixed for the term of the Certificate. Early withdrawal penalties may reduce earnings. Penalty for withdrawal is 90 days of Dividends. Funds will be transferred to a designated member account at maturity if not a renewable certificate. All certificates are renewable at maturity, Minimum opening balance and to earn APY for all terms is $1,000.00.
Auto Loan Rates
Rates Effective as of March 17th, 2026
Type | Term | *APR (reflects AutoPay .25% deduction) |
|---|---|---|
New Autos (2026 and 2027 models) | Up to 84 Months | 5.49% |
Used Autos (1-3 Years) | Up to 84 Months | 5.49% |
Used Autos (4-7 Years) | Up to 72 Months | 5.49% |
Used Autos (8-10 Years) | Up to 60 Months | 6.49% |
Used Autos (10+ Years) | Up to 48 Months | 8.49% |
*Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Not all those who apply will qualify for the lowest rate. Rates are fixed for the term. Rates reflected include a .25% deduction which requires automatic payments to be set up at origination.
Recreational Vehicles
Rates Effective as of March 17th, 2026
Type | Term | *APR (reflects AutoPay .25% Deduction) |
|---|---|---|
RV New/Used | Up to 144 Months | 7.24% |
Boat New/Used | Up to 144 Months | 7.24% |
Camper New/Used | Up to 144 Months | 7.24% |
Motorcycle New/Used | Up to 60 Months | 7.24% |
4 Wheeler/Side-by-Side New/Used | Up to 60 Months | 7.24% |
*Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Not all those who apply will qualify for the lowest rate. Rates are fixed for the term. Rates reflected include a .25% deduction which requires automatic payments to be set up at origination. Term is dependent on model, mileage, amount borrowed, and credit score.
Signature Loans
Rates Effective as of March 17th, 2026
Type | Term | *APR (reflects AutoPay .25% deduction) |
|---|---|---|
$7,500 up to $25,000 | Up to 60 Months | 12.24% |
$7,499.99 and below | Up to 48 Months | 12.24% |
*Annual Percentage Rate. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Not all those who apply will qualify for the lowest rate. Rates are fixed for the term. Rates reflected include a .25% deduction which requires automatic payments to be set up at origination.
Shared Secured Loans
Rates Effective as of March 17th, 2026
Type | Term | *APR |
|---|---|---|
Share | Up to 72 Months | 1.00% above current Share Dividend Rate |
Certificate | Remaining Term | 1.00% above Certificate Divident Rate |
Credit Card | NA | 9.99% Fixed** |
*Annual Percentage Rate. Rates available are subject to change without notice. Rates are fixed for the term. Certificate Specials do not qualify as collateral. Certificates can not be altered or closed until payoff of loan is satisfied. **Credit Card APR reflects the APR on the loan secured by your MCCU credit card, not the APR on your MCCU credit card.
Mortgage Rates NMLS# 411945
Rates Effective as of March 17th, 2026
Type (Consumer) | Term | *APR |
|---|---|---|
5 Year Fixed | 60 Months | 6.00% Fixed |
10 Year Fixed | 120 Months | 6.00% Fixed |
15 Year Fixed | 180 Months | 5.75% Fixed |
20 Year Fixed | 240 Months | 6.25% Fixed |
5/1 Adjustable Rate** | up to 360 Months | Call for Current Rates |
Land Only (Improved or Unimproved Land) | up to 180 months | 7.875% |
Construction (Manufactured Home) | 6 Months | 6.99% |
Construction (Site-Built) | 12 Months | 8.99% |
Second Mortgage | up to 180 months | 6.25% |
*Annual Percentage Rate. Rates available are subject to change without notice. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Not all those who apply will qualify for the lowest rate. Rate factors include credit history, loan to value, employment and ability to repay. **5/1 Adjustable Rate index is the 1 Year CMT (Treasury) and changes daily. Rate may increase after consummation. Annual Change Cap is 2.00%. The lifetime cap is 6.00%.
Home Equity Line of Credit
Rates Effective as of March 17th, 2026
Type | Term | *APR |
|---|---|---|
HELOC | 240 Months | 8.75% Variable (Max 18.00%) |
*Annual Percentage Rate. Rate is variable. Rates available are subject to change without notice. Terms and conditions may apply. Rates available are subject to credit approval and subject to change without notice. Not all those who apply will qualify for the lowest rate. Home Equity Line of Credit rate is Prime plus 2.00%, with a floor such that the rate is never lower than of 4.00% with a maximum rate of 18.00% APR. Current "Prime" rate is 6.75% APR as of 03/17/26. Term includes a 10 year advance period then a 10 year repayment period.