Current Rates
The Best Rates, All Of The Time!

Certificate of Deposit • CD Bonus •  Loans • Visa Platinum Fixed • Visa Platinum Variable

Account Type	Rate (APY)	Compounding	Minimum To Earn
Share (Savings)	.50%	Monthly	$5.00 Minimum $300 To Earn
Senior Share (Savings)	.50%	Monthly	$2,000 Minimum
Share Draft (Checking)	Non-interest bearing	Monthly	$0.00
Investment Draft (Checking)	.50% .75%	Monthly	$2,500.00 Minimum Over $10,000
High Yield	1.26% 1.51% 2.02%	Monthly	$2,500.00 Over $25,000 Over $50,000
Christmas Club	.50%	Quarterly	$1.00 Minimum $100 To Earn
Vacation Club	.50%	Semi-Annual	$1.00 Minimum $100.00 To Earn
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 Type	Rate (APY)	Compounding	Minimum Deposit
YOUTH CD 12 MO Term	2.75%	Monthly	$250
YOUTH CD 24 MO Term	2.95%	Monthly	$250
YOUTH CD 36 MO Term	3.00%	Monthly	$250
CD 3 MO Term	1.80%	Monthly	$1,000
CD 3 MO Term	2.00%	Monthly	$10,000
CD 6 MO Term	2.30%	Monthly	$1,000
CD 6 MO Term	2.60%	Monthly	$10,000
CD 12 MO Term	2.70%	Monthly	$1,000
CD 12 MO Term	3.00%	Monthly	$10,000
CD 18 MO Term	2.80%	Monthly	$1,000
CD 18 MO Term	3.10%	Monthly	$10,000
CD 24 MO Term	3.00%	Monthly	$1,000
CD 24 MO Term	3.40%	Quarterly	$10,000
CD 36 MO Term	3.15%	Monthly	$1,000
CD 36 MO Term	3.60%	Quarterly	$10,000
CD 48 MO Term	3.40%	Monthly	$1,000
CD 48 MO Term	3.80%	Quarterly	$10,000
CD 60 MO Term	3.60%	Monthly	$1,000
CD 60 MO Term	4.00%	Quarterly	$10,000
Bonus CD 3 MO Term	2.20%	Monthly	$25,000
Bonus CD 6 MO Term	2.70%	Monthly	$25,000
Bonus CD 12 MO Term	3.10%	Monthly	$25,000
Bonus CD 18 MO Term	3.20%	Monthly	$25,000
Bonus CD 24 MO Term	3.50%	Quarterly	$25,000
Bonus CD 36 MO Term	3.70%	Quarterly	$25,000
Bonus CD 48 MO Term	3.90%	Quarterly	$25,000
Bonus CD 60 MO Term	4.10%	Quarterly	$25,000
IRA CD 6 MO Term	2.60%	Quarterly	$500
IRA CD 12 MO Term	3.00%	Quarterly	$500
IRA CD 24 MO Term	3.40%	Quarterly	$500
IRA CD 36 MO Term	3.60%	Quarterly	$500
IRA CD 48 MO Term	3.80%	Quarterly	$500
IRA CD 60 MO Term	4.00%	Quarterly	$500

Loyalty Bonuses:
Jumbo CD Bonus	Add .10%	$100,000 & Over
New Money Bonus	Add .10%	For money not currently on deposit at MCCCU, over $5000
Loan Bonus	Add .15%	If you have a mortgage/HELOC with a balance over $10K
Loyalty Bonuses	Draft Account*	Money Mgt/ High Yield/ Senior Saving**	Direct Dep	eStatements
	Add .10%	Add .10%	Add .10%	Add .10%
	Debit Card Add .10%	Bill Pay User Add .10%

* All CDs not on special have a Maximum Loyalty Bonus of .30%. 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. 

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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.

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Loans Rates

Loan Type	Rate (APR)
New Auto Loans (snowmobiles, watercraft, motorcycles, 4-wheelers)	As low as 5.75%
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 (boats,travel trailers,motor homes)	As low as 8.75%
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 Bonus	Mortgage***	Additional Loan**	Direct Dep/Estatements	Draft Account*
	.20% off	.10% off	.10% off	.10% off

*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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APY= Annual Percentage Yield      APR = Annual Percentage Rate

Visa Platinum

Annual Percentage Rate	9.75%
Other APRs	Balance transfer APR: 9.75% Cash advance APR:  9.75% Penalty APR: See explanation below*
Grace period for repayment of balances for purchases	25 days
Method Computing the balance for purchases	MONTHLY PAYMENT - A Statement will be mailed every month showing your Previous Balances of Purchases and Cash Advances, the transactions posted to your Account since the last statement, the New Balances of Purchases and Cash Advances, the Finance Charge due to the date of the statement, the Minimum Payment required, and the remaining part of the credit limit still available. You must pay any amount greater than the Minimum Payment, including the entire New Balance on the statement without any penalty for prepayment. And you can make payments on the Account as often as you wish. The Minimum Payment will be (a) 2.50% of your New Balances or $10.00, whichever is greater, or (b) your full New Balances, if they total less than $10.00; provided however, the Minimum Payment shown on your statement will also include any unpaid portions of Minimum Payment(s). In addition, if at anytime your New Balance exceeds the credit limit, you must pay us that excess immediately. We will apply your payments in the following order: To FINANCE CHARGE, if any, included in "New Balance" of "Purchases" on your most recent monthly statement; To FINANCE CHARGE included in "New Balance" of "Cash Advances" on your most recent monthly statement; To (a) the remainder of "New Balance" of "Cash Advances" on your most recent monthly statement and (b) Cash Advances not yet billed on a monthly statement; To the remainder of the "New Balance" of "Purchases" on your most recent monthly statement; To Purchases not yet billed on a monthly statement; PROVIDED, HOWEVER, Any payment equal to or greater than the "Previous Balance" or "Purchases" on your most recent monthly statement will be applied first to that balance.
Annual Fees	None
Minimum finance charge	.25
Transaction fee for purchases	None
Transaction fee for cash advances Balance transfer fee: Late-payment fee: Over-the-credit-limit fee:	None None 25.00 25.00

* A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. The Finance charge for a billing cycle is calculated by applying the monthly periodic rate of .99% per month, which is an Annual Percentage Rate of 11.88% to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. A Finance Charge will be imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle which the Cash Advance is posted to your account, which is later, and will otherwise be calculated in the same manner as explained above for Credit Purchases.

 

Visa Variable

Variable-rate information	See explanation below **
Grace period for repayment of balances for purchases	25 days
Method of computing the balance for purchases	New balance on statement date
Annual fees	None
Transaction fee for purchases	None
Transaction fee for cash advances Balance transfer fee: Late-payment fee: Over-the-credit-limit fee:	None None 25.00 25.00

** (a) On Cash Advances - Cash Advances are always subject to Finance Charge from the date they are posted to your Account. (b) On Purchases - If the New Balance shown on the statement on which purchases first appear is paid in full by the due date, no Finance Charge will be imposed. On any unpaid balance after this, a Finance Charge will be imposed from the transaction date unless the transaction date is before the first day of the current billing cycle, in which case, a Finance Charge will be imposed from the first day of the current billing cycle. VISA PLATINUM (VARIABLE RATE) FINANCE CHARGE is determined by adding 2.50 percent points to the Prime Rate of interest as published in the Money Rates Section of the Wall Street Journal as of the 1st calendar month preceding the month in which the billing cycle begins, rounded to the nearest .25%. However, this rate shall not be lower than 8.00%. By applying the above periodic (monthly) rate to the average daily principal balance. An "Average Daily Principal Balance" is calculated separately for purchases and cash advances and is determined as follows: For each day during the statement period (billing cycle) the principal balances of purchases and cash advances from the previous day are increased by any purchases or cash advances posted to the Account that day and decreased by any payments or credits posted to the Account that day. Such daily principal balances are separately totaled and then divided by the number of days in the statement period (billing cycle), resulting in the "Average Daily Principal Balances" of purchases and cash advances shown on your statement.

APR= annual percentage rate; APY=annual percentage yield; All rates are subject to change. Contact a loan officer for the current rate and length of financing available; APR may be affected by fees, see Fee Schedule page