Rates

Dividends

Account APR* APY**
Shares (Savings) {{regularSavingsInt}} {{regularSavingsAPY}}
Share Draft (Checking) {{checkingAPR}} {{checkingAPY}}
IRA {{regularIRAAPR}} {{regularIRAAPY}}
HSA {{regularHSAAPR}} {{regularHSAAPY}}
Christmas Club (up to $5,000) {{xmasClubInt}} {{xmasClubAPY}}
Vacation Club^ {{vacationClubAPR}} {{vacationClubAPY}}
Money Market ($500.00-$50,000.00) {{moneyMarketIntA}} {{moneyMarketAPYA}}
Money Market ($50,000.01-$100,000.00) {{moneyMarketIntB}} {{moneyMarketAPYB}}
Money Market ($100,000.01) {{moneyMarketIntC}} {{moneyMarketAPYC}}

^Christmas and Vacation Clubs rates are payable upon a maximum balance of $5,000.00. Any amount over $5,000.00 will earn the current savings rate. **APY=Annual Percentage Yield

  • Credit union rates on variable rate accounts (i.e., Savings, Checking and MMCK) could change after account opening
  • Fees may reduce earnings
  • Offering rates may change

Money Market Accounts

  • Must maintain a minimum daily balance of $500 to earn dividends
  • Credit union rates on variable rate accounts (i.e. Share Savings, Checking, and MMCK) could change after account opening
  • Fees may reduce earnings

Savings Rates

  • Penalties for early withdrawal on term share accounts
  • Fees may reduce earnings
  • Offering rates may change

Share Certificates

Term APR* APY**
3 Months {{3MoInt}} {{3MoAPY}}
6 Months {{6MoInt}} {{6MoAPY}}
9 Months 4.50% 4.60%
12 Months {{12MoInt}} {{12MoAPY}}
18 Months {{18MoInt}} {{18MoAPY}}
24 Months {{24MoInt}} {{24MoAPY}}
30 Months {{30MoInt}} {{30MoAPY}}
36 Months {{36MoInt}} {{36MoAPY}}
48 Months {{48MoInt}} {{48MoAPY}}
60 Months {{60MoInt}} {{60MoAPY}}

*APR = Annual Percentage Rate. Penalty to result in early withdrawal of funds. **APY=Annual Percentage Yield

  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding
  • Penalties may apply for early withdrawals from certificate accounts
  • Offering rates may change
  • Dividends compounded daily, credited quarterly

**Annual Percentage Yield. Early withdrawal penalties may reduce earnings. Funds will be transferred to a designated member account at maturity. Dividends are compounded daily and paid quarterly.

 

IRA Certificates

Term APR* APY**
12 Months 4.50% 4.60%
18 Months {{18MoIRAInt}} {{18MoIRAAPY}}
24 Months {{24MoIRAInt}} {{24MoIRAAPY}}
30 Months {{30MoIRAInt}} {{30MoIRAAPY}}
36 Months {{36MoIRAInt}} {{36MoIRAAPY}}
48 Months {{48MoIRAInt}} {{48MoIRAAPY}}
60 Months {{60MoIRAInt}} {{60MoIRAAPY}}

*APR = Annual Percentage Rate. Penalty to result in early withdrawal of funds.

Auto Loans

Type Term APR*
New Autos Up to 84 Months {{NewAuto}}
Used Autos (1-3 Years) Up to 84 Months {{UsedAuto-A}}
Used Autos (4-7 Years) Up to 72 Months {{UsedAuto-B}}
Used Autos (8-10 Years) Up to 60 Months {{UsedAuto-C}}
Used Autos (10+ Years) Up to 60 Months {{UsedAuto-D}}

Auto Rates are based on an evaluation of credit history, so your rate may differ. Rate displayed is lowest rate available with autopay deduction rate. Payment Example: New auto loan of $20,000 for 36 months at 2.99% APR will have a monthly payment of $581.58.

New Vehicle

  • Year models 2023 and 2024
  • Terms up to 84 months

Used Vehicle

  • Year models 2023 and older
  • Terms up to 84 months
  • Autos 4+ years of age may only be financed up to 60 months
 
 

Recreational Vehicles

Type Term APR*
New Recreational Vehicle Based on Value {{NewRec}}
Used Recreational Vehicle Based on Model Year {{UsedRec}}

Personal Loans

Type Term APR*
Personal Loans Up to 60 months {{personalLoan}}
 

Mortgage/Land Loans

Type Term APR*
Mortgage Loans 5 Year Fixed {{5YearMortgage}}
Mortgage Loans 10 Year Fixed {{10YearMortgage}}
Mortgage Loans 15 Year Fixed {{15YearMortgage}}
Mortgage Loans 20 Year Fixed {{20YearMortgage}}
Mortgage Loans 5/1 ARM** {{51Arm}}
Mortgage Loans HELOC Variable^ {{HELOC}}
MBL (rental, land)^ 15 Year Call for details*

  • These rate are subject to change. The "as low as" rates for purchase loans and refinances are displayed. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates quoted require closing cost between $800 - $1500.

    The variable Annual Percentage Rate (APR) will be equal to the index of Wall Street Journal Prime Plus 1.75%. The combined principal amount of all loans in which the debtor's home serves as collateral may not exceed 90% of the certified appraisal value of the home. There is a ten-year advance period with a ten-year repayment term from the date of the last advance. The monthly payment may vary, with a standard minimum payment of $100.00. The minimum draw amount is $500. The maximum APR is 10%. The minimum APR is 3%. The annual percentage rate may vary after the account is opened. Closing costs range from $750 to $1,500. Property insurance is required and not included in the closing costs. Rates, terms, and conditions are subject to change. All loans are subject to membership eligibility and credit approval. We do business in accordance with Federal fair housing laws, including the Equal Credit Opportunity Act. Call Members Choice CU for pre-qualification or more information (606) 329-7876.

 
 

Rates, discount points and terms are based on an evaluation of each member's credit history, loan-to-value (LTV), occupancy, payment type, loan amount and loan purpose, so your rate and terms may differ. All loans are subject to credit approval. Questions? Please contact Members Choice at (606) 329-7876 or visit www.mccu.net.
You may visit any of our four branches in Ashland, KY during our business hours. Reach out to us for more information.

*Rate is set by the Wallstreet Journal plus 1 point. Rate is subject to change and based on creditworthiness.


^The variable Annual Percentage Rate (APR) will be equal to the index of Wall Street Journal Prime Plus 1.75%. The combined principal amount of all loans in which the debtor's home serves as collateral may not exceed 90% of the certified appraisal value of the home. There is a ten-year advance period with a ten-year repayment term from the date of the last advance. The monthly payment may vary, with a standard minimum payment of $100.00. The minimum draw amount is $500. The maximum APR is 10%. The minimum APR is 3%. The annual percentage rate may vary after the account is opened. Closing costs range from $750 to $1,500. Property insurance is required and not included in the closing costs. Rates, terms, and conditions are subject to change. All loans are subject to membership eligibility and credit approval. We do business in accordance with Federal fair housing laws, including the Equal Credit Opportunity Act. Call Members Choice CU for pre-qualification or more information (606) 329-7876.