Your Savings Should Work as Hard as You Do

*APY means Annual Percentage Yield. Certain accounts require a minimum opening deposit ranging from $0 to more than $100,000 to earn the APY. The APY is accurate as of September 24, 2026.

**The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date. These are the variable rate accounts and the rate may change after the account is opened. Fees and other conditions could reduce earnings.

(1) The 36-Month Share Certificate Account is a fixed rate account and the rate may change after the account is opened. A penalty may be imposed for early withdrawals. For the 36 Month Share Certificate: Minimum Opening Deposit = $500.00. A minimum of $5.00 is required to earn APY. Upon maturity, the 36 Month Share Certificate will roll over into a 36-month Share Certificate.

(2) The Annual Percentage Yield (APY) reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Hero Savings, Savings, High Yield Savings, IRA Share, Smart Apple/Future Investors and Club Accounts: The dividend rate and Annual Percentage Yield (APY) may change monthly as determined by Municipal Credit Union. There are no limitations on the amount the rate can change. You must provide and maintain minimum opening deposits and/or minimum daily balances in order to earn the APYs stated above, if so indicated.

**High Yield Savings Account: The minimum deposit to open the High Yield Savings Account is $100. To be eligible to earn dividends for the High Yield Savings account at the posted High Yield Savings APY, you must first deposit a total of $5,000 of New Money into the High Yield Savings account ("New Money Requirement"). "New Money" is defined as funds that are not on deposit in any MCU account at the time the account with the New Money requirement is opened. The New Money requirement may be satisfied by: (1) making a deposit of New Money directly into an account bearing a New Money requirement; or (2) making a deposit of New Money into a savings or checking account and transferring the New Money into the account bearing the New Money requirement within seven (7) days of the date of deposit. Funds transferred into an account bearing a New Money requirement from any MCU account after seven (7) days from the date of deposit will not be eligible to satisfy the New Money requirement. Until the New Money Requirement is met, dividends on the Average Daily Balance in the High Yield Savings Account will accrue at the same dividend rate and APY as the Hero Savings Account with the corresponding Minimum Balance to earn the stated APY for the Hero Savings Account. Once the New Money Requirement is met, there is no minimum balance required to earn the posted High Yield Savings APY and, after the New Money Requirement is met, any High Yield Savings Account balance will earn dividends at the posted High Yield Savings APY. Funds that are not New Money may be transferred or deposited into the High Yield Savings Account, but those funds will not count towards the New Money Requirement. There are no Account specific fees. Standard fees applicable to MCU membership and deposit accounts apply. Fees may reduce earnings.

(3) The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date. These are variable rate accounts and the rate may change after the account is opened. Fees and other conditions could reduce earnings. For Money Market Accounts: The dividend rate and Annual Percentage Yield (APY) may change weekly as determined by Municipal Credit Union. 

(4) Minimum Opening Deposit is $0.01, funded by MCU. You must provide and maintain minimum opening deposits and/or minimum daily balances in order to earn the APYs stated above, if so indicated.

View the Truth in Savings Rates & Fees Schedule. Fees may reduce earnings.