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ALERT:
In Observance of Presidents' Day all MCU branches, and our contact center will be closed Monday, February 19.

NYMCU Digital Banking & the Mobile App will remain available.

 

 

These rates are in effect as of Sunday, March 3, 2024

Savings

Savings Accounts

Hero Savings*

Minimum Opening Deposit
Average Daily Balance Required To Earn APY
Annual Percentage Yield
Dividend Rate
$0.01
$50,000.00 - and over
0.05%
0.05%
$0.01
$4,000.00 - $49,999.99
0.05%
0.05%
$0.01
$1,000.00 - $3,999.99
0.01%
0.01%
$0.01
$500.00 - $999.99
0.01%
0.01%

*Minimum Opening Deposit is $0.01, funded by MCU.

Smart Apple Savers/Future Investors Club

Minimum Opening Deposit
Annual Percentage Yield
Dividend Rate
$0.01
0.05%
0.05%

Holiday/Vacation Club

Minimum Opening Deposit
Annual Percentage Yield
Dividend Rate
$5.00
0.05%
0.05%
View Savings Rates Disclosures

*Minimum Opening Deposit is $0.01, funded by MCU.

These are variable rate accounts and the rate may change after the account is opened.

Fees and other conditions could reduce earnings.

The disclosed Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date.

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Money Markets

Money Market Accounts

Minimum Opening Deposit
Average Daily Balance Required To Earn APY
Annual Percentage Yield
Dividend Rate
$0
$100,000.00 and over
2.02%
2.00%
$0
$50,000.00 - $99,999.99
1.76%
1.75%
$0
$25,000.00 - $49,999.99
1.51%
1.50%
$0
$10,000 - $24,999.99
0.90%
0.90%
$0
$0.00 - $9,999.99
0.65%
0.65%
View Money Market Rates Disclosures

APY = Annual Percentage Yield

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.

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Share Certificate and IRA Rates

Share Certificate Rates

Account
Minimum Opening Deposit
Minimum Balance
Term (months)
Annual Percentage Yield
Dividend Rate
6-Month Share Certificate
$500
$500
6
3.04%
3.00%
9-Month Share Certificate
$500
$500
9
4.59%
4.50%
12-Month Share Certificate
$500
$500
12
3.04%
3.00%
15-Month Share Certificate
$0
$5
15
4.85%
4.75%
24-Month Share Certificate
$500
$500
24
3.56%
3.50%
36-Month Share Certificate
$500
$500
36
3.82%
3.75%
Secured Visa Share Certificate
$300
$300
18
3.30%
3.25%
Deposit Plus Share Certificate
$250
$250
18
3.30%
3.25%

IRA Rates

Account
Minimum Opening Deposit
Minimum Balance
Term (months)
Annual Percentage Yield
Dividend Rate
IRA 6-Month Share Certificate
$500
$500
6
3.04%
3.00%
IRA 12-Month Share Certificate
$500
$500
12
3.04%
3.00%
IRA 18-Month Share Certificate
$100
$100
18
3.30%
3.25%
IRA 24-Month Share Certificate
$500
$500
24
3.56%
3.50%
IRA 36-Month Share Certificate
$500
$500
36
3.82%
3.75%
View Share Account Rates Disclosures

APY = Annual Percentage Yield

The APY is accurate as of 10/26/23.

The IRA 18-Month Share Certificate Account is a variable rate account and the rate may change after the account is opened. All other Share Certificate Accounts are fixed-rate accounts. A penalty may be imposed for early withdrawals.

For the 15 Month Share Certificate: Minimum Opening Deposit = $0.00. A minimum of $5.00 is required to earn APY. Upon maturity, the 15 Month Share Certificate will roll over into a 12 month Share Certificate.

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Loans

Auto Loan Rates

New Auto - Purchase** - Best Loan Rates Available when using MCU Car Buying Service

Vehicle Age
(Auto Model Year)
Maximum Terms (Months)
APR* as low as
Monthly Payment per $1,000 Borrowed***
Based on longest term
Current Model Year with No More than 5,000 Miles
Up to 36
5.50%
$30.20
Current Model Year with No More than 5,000 Miles
>37 to 60
6.00%
$19.34
Current Model Year with No More than 5,000 Miles
>61 to 72
6.25%
$16.70
Current Model Year with No More than 5,000 Miles
>73 to 84
6.50%
$14.86

Used Auto Purchase / Refinance

Vehicle Age
(Auto Model Year)
Maximum Terms (Months)
APR* as low as
Monthly Payment per $1,000 Borrowed***
Based on longest term
2017 or Newer
Up to 36
5.75%
$30.32
2017 or Newer
>37 to 60
6.50%
$19.57
2017 or Newer
>61 to 72
6.75%
$16.94
2017 or Newer
>73 to 84
7.00%
$15.10
View Auto Loan Rates Disclosures

*APR = The Annual Percentage Rate includes a .25% discount based on you establishing direct deposit to your MCU checking account. If your direct deposit is not established within 60 days of this loan, the Annual Percentage Rate will increase during the term of this transaction. If you discontinue direct deposit, your interest rate will increase by .25% and you will be required to make additional payments of the same amount until what you owe has been repaid. For example, if your loan was for $15,000 for 60 months at 6.25% and the rate increased to 6.50% due discontinuance of direct deposit after 24 months, you would have to make 1 additional payment. Rates may be higher based on applicant's creditworthiness, auto model year, loan term, loan amount and method of repayment. Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply.

Minimum loan amount of $20,000 for terms up to 72 months. Minimum loan amount of $30,000 for 84 month term.

Late payment fee: $25.00.

MCU membership is required.

**For Auto Purchases: APR shown reflects both the .25% direct deposit discount and the .25% APR discount for purchasing through the MCU Car Buying Service provided by TRUECar®.

***Payment Examples: Assume excellent borrower history, a maximum LTV of 125% of MSRP or JD Power Retail Value, and maximum Loan Amount of $100,000.

MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers; TRUECar® Certified Dealers, Enterprise Car Sales, Carvana®, CarMax® or Hertz Car Sales®.

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Personal Loan Rates

Personal Loan

Maximum Amount Financed
Maximum Terms (Months)
Direct Deposit APR*
Monthly Payment* per $1,000 Borrowed*
based on longest term
$1,000 - $15,000
60
8.20%
$20.37
$15,001 - $50,000
60
9.20%
$20.86
$15,001 - $50,000
72
10.00%
$18.53
View Personal Loan Rates Disclosures
*APR - Annual Percentage Rate. The Annual Percentage Rate includes a .25% discount based on you establishing direct deposit to your MCU savings or checking account. If your direct deposit is not established within 60 days of this loan, the Annual Percentage Rate will increase during the term of this transaction. If you discontinue direct deposit, your interest rate will increase by .25% and you will be required to make additional payments of the same amount until what you owe has been repaid. For example, if your loan was for $15,000 for 60 months at 6.25% and the rate increased to 6.50% after 24 months due to discontinuance of direct deposit, you would have to make 1 additional payment.

The APR of 8.20% is available for loan amounts up to $15,000 – higher rates apply for loan amounts over $15,000. Rates may be higher based on your creditworthiness. Repayment terms range from 12 months to 72 months. APRs range from 8.20% to 15.70%. Late payment fee of $25.00. Certain restrictions apply. Rates and terms are subject to change without notice. Membership is required.
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Share Secured Loan

Minimum Amount Financed
Maximum Terms (Months)
APR*
Monthly Payment per $1,000 Borrowed
$500
84 Months
2.99%
$13.21

Share Certificate Secured Loan

Minimum Amount Financed
Maximum Terms (Months)
APR*
Monthly Payment per $1,000 Borrowed
$500
60 Months **
APR is Share Certificate rate plus 3%
Not applicable
View Share Secured Loan Rates Disclosures
*APR = Annual Percentage Rate. With approved credit.

For example, if you choose a 60 month share secured loan, your payments will consist of 60 monthly payments of $17.96 on each $1,000 borrowed at 2.99% APR.

If you choose a 60 month share certificate secured loan, your payments will consist of 60 monthly payments of $18.27 on each $1,000 borrowed at 3.65% APR.

Rates may be higher based on your creditworthiness and loan term. Late payment fee of $25.00. Certain restrictions apply. Rates and terms are subject to change without notice. Membership is required.

** The term for share certificate secured loans is equal to the share certificate maturity.
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Overdraft

Overdraft Checking Line of Credit

Minimum Amount Financed
Maximum Terms (Months)
APR*
Monthly Payment per $1,000 Borrowed
Overdraft Checking Line of Credit
17.90%
Daily Balance (including new transactions)
None
View Overdraft Checking Line of Credit Disclosures
*APR = Annual Percentage Rate
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Mortgage Loans

Fixed Rate Mortgages

10 Year Term - 120 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payment
2
5.625%
6.131%
$3,056.11
1
5.750%
6.040%
$3,073.54
0
5.875%
5.946%
$3,091.03

15 Year Term - 180 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payment
2
5.750%
6.108%
$2,325.15
1
5.875%
6.080%
$2,343.93
0
6.000%
6.050%
$2,362.80

20 Year Term - 240 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payment
2
5.875%
6.160%
$1,985.87
1
6.000%
6.164%
$2,006.01
0
6.125%
6.165%
$2,026.25

30 Year Term - 360 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payment
2
6.250%
6.469%
$1,724.01
1
6.375%
6.501%
$1,746.84
0
6.500%
6.531%
$1,769.79
View Fixed Rate Mortgage Rates Disclosures
*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $280,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.
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Adjustable Rate Mortgages

5/6 ARM (30 Year Term)

Points
Initial Rate (not based on index and margin used to make later payments)
Current Rate (based on index and margin)**
APR*
Estimated Monthly Payments for the first 60/84/120 payments based on Initial Rate
Estimated Monthly Payments for remaining 300/276/240 payments based on Current Rate
0
5.875%
8.094%
8.40%
$591.54
$778.05

7/6 ARM (30 Year Term)

Points
Initial Rate (not based on index and margin used to make later payments)
Current Rate (based on index and margin)**
APR*
Estimated Monthly Payments for the first 60/84/120 payments based on Initial Rate
Estimated Monthly Payments for remaining 300/276/240 payments based on Current Rate
0
6.125%
8.094%
8.29%
$607.61
$799.54

10/6 ARM (30 Year Term)

Points
Initial Rate (not based on index and margin used to make later payments)
Current Rate (based on index and margin)**
APR*
Estimated Monthly Payments for the first 60/84/120 payments based on Initial Rate
Estimated Monthly Payments for remaining 300/276/240 payments based on Current Rate
0
6.500%
8.094%
8.19%
$632.07
$842.30
View Adjustable Rate Mortgage Rates Disclosures

*APR=ANNUAL PERCENTAGE RATE. RATES AND PAYMENTS MAY ADJUST EVERY 6 MONTHS AFTER THE INITIAL PERIOD EXPIRES BASED ON MOVEMENTS IN THE INDEX.
 
**CURRENT RATES SHOWN IN TABLE ABOVE FACTOR IN MCU'S FLOOR RATE OF 2.750%.

THE ABOVE PAYMENT EXAMPLE DOES NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE. (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.
 
Above APRs are based on loan amounts of $100,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes and loan amount. Rates may be higher based on applicant's creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.
 
The initial rate is current as of 10/26/23 and is the Credit Union's best rate. Rates and terms may vary depending on loan to value ratio, credit evaluation and underwriting requirements. After the fixed rate period, your interest rate will adjust up or down according to market rates at the time of reset. PMI=Private Mortgage Insurance. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice.
 
5/6 ARM: The payment on a 30 year $100,000, 5/6 year Adjustable Rate Loan at 5.000 and 80% loan-to-value (LTV) is $536.82 After 5 years, the interest rate cannot increase more than 2% at the first interest rate change and cannot increase more than 1% every 6 months, thereafter. The rate will not be higher than 10.000% over the term of the loan. Payments are estimates and include only principal and interest.
 
7/6 ARM: The payment on a 30 year $100,000, 7/6 year Adjustable Rate Loan at 5.250% and 80% loan-to-value (LTV) is $552.20. After 7 years, the interest rate cannot increase more than 5% at the first interest rate change and cannot increase more than 1% every 6 months, thereafter. The rate will not be higher than 10.250% over the term of the loan. Payments are estimates and include only principal and interest.
 
10/6 ARM: The payment on a 30 year $100,000, 10/6 year Adjustable Rate Loan at 5.500% and 80% loan-to-value (LTV) is $567.79. After 10 years, the interest rate cannot increase more than 5% at the first interest rate change and cannot increase more than 1% every 6 months, thereafter. The rate will not be higher than 10.500% over the term of the loan. Payments are estimates and include only principal and interest.

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High Balance Fixed Rate Mortgages

15 Year Term - 180 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payments
2
6.250%
6.587%
$4,973.05
1
6.375%
6.557%
$5,012.65
0
6.500%
6.525%
$5,052.42

30 Year Term - 360 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payments
2
6.750%
6.959%
$3,761.87
1
6.875%
6.988%
$3,810.19
0
7.000%
7.015%
$3,858.75
View High Balance Fixed Rate Mortgage Rates Disclosures
*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $580,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.
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Jumbo Fixed Rate Mortgages

15 Year Term - 180 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payments
2
5.875%
6.205%
$5,692.41
1
6.000%
6.176%
$5,738.23
0
6.125%
6.146%
$5,784.25

20 Year Term - 240 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payments
2
6.000%
6.263%
$4,871.73
1
6.125%
6.266%
$4,920.90
0
6.250%
6.267%
$4,970.31

30 Year Term - 360 Payments

Points
Rates As Low As
APR*
Estimated Monthly Payments
2
6.375%
6.577%
$4,242.32
1
6.500%
6.609%
$4,298.06
0
6.625%
6.638%
$4,354.11
View Jumbo Fixed Rate Mortgage Rates Disclosures
*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $680,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.
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Home Equity Loans

Home Equity Line Of Credit Rates

Home Equity Line Of Credit

Product Name
Current Introductory Interest Rate – APR*
Minimum Line
Maximum Line
Home Equity Line Of Credit
6.875% APR* fixed for 12 months - As low as 8.75% variable APR* thereafter
$25,000
$500,000
View Home Equity Line of Credit Rates Disclosures
* APR = Annual Percentage Rate. The introductory rate is 6.875% APR for 12 months with a maximum 80% Combined Loan-to-Value (CLTV). The initial rate will be in effect for the first year your credit line is open. If you have an introductory rate, for the 12-month period immediately following the Date of Agreement, the ANNUAL PERCENTAGE RATE that will apply to your account will be 6.875%* or 7.375% if you elect to have MCU pay your mortgage taxes. Subsequently, your account will be subject to the Variable Rate provisions described herein. The initial Annual Percentage Rate is discounted;  it is not based on the index and margin used for later adjustments.

* The current variable APRs as of September 2023 range from 8.75% - 12.75%. The floor APR is 3.00%. HELOC closing costs are waived if, at closing, you take a minimum advance of $25,000 on line amounts below $250,000 and keep your line of credit open for at least three years, otherwise you will be required to reimburse MCU for certain fees paid to third parties. These fees can be as low as $135 for a $25,000 HELOC and as high as $1,000 for a $250,000 HELOC. Loan applicant has the option to have their mortgage recording fees and mortgage taxes waived at closing for an additional .50% on their introductory rate and fully indexed rate. The 6.875% introductory rate and closing costs waiver offer is available until March 31, 2024.

THE ANNUAL PERCENTAGE RATE MAY VARY AND IS EQUAL TO THE HIGHEST PRIME RATE PUBLISHED IN THE WALL STREET JOURNAL ON OR BEFORE THE LAST DAY OF THE PRECEDING MONTHLY BILLING PERIOD PLUS A MARGIN BETWEEN 0% AND 4%.

HELOCs are secured by a mortgage on your primary residence. Co-ops and investment properties are not accepted. Property insurance is required. Flood insurance may be required if the property is in a flood zone. Certain restrictions may apply. Membership is required.

The Prime Rate as of July 26, 2023 is 8.50%. The annual percentage rate may be higher based on the applicant’s creditworthiness. The maximum Annual Percentage Rate that may be imposed is 6% above the initial interest rate at closing. Rates and terms are subject to change without notice. Other terms and conditions apply. View full disclosure  PDF.
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Home Equity Loan Rates

Fixed Home Equity (Closed End)

Product Term
Rates As Low As
APR*
Monthly Payment
10 Years
7.625%
7.625%
$1,193.55
15 Years
7.750%
7.750%
$941.28
20 Years
7.875%
7.875%
$828.68

Fixed Home Equity (1st Lien)

Product Term
Rates As Low As
APR*
Monthly Payment
10 Year Term
7.000%
7.250%
$1,161.08
15 Year Term
7.125%
7.375%
$905.83
20 Year Term
7.250%
7.500%
$790.38
View Home Equity Loan Rates Disclosures
*APR = Annual Percentage Rate.

Above APRs are based on loan amounts of $100,000. The APR is fixed for the loan term. The minimum amount that can be borrowed is $25,000 and the maximum amount is $500,000. For 10, 15, and 20 year terms advertised rate, the maximum Loan-To-Value (LTV) is 80% with 1st Lien position required. For 10, 15 and 20 year terms, the maximum Combined Loan-To-Value (CLTV) is 80% with 2nd Lien position.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES AND INSURANCE. YOUR ACTUAL MONTHLY PAYMENT OBLIGATIONS WILL BE HIGHER.

Home Equity accounts are secured by a mortgage on your primary residence. Property insurance is required. Flood insurance may be required if the property is in a flood zone. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.

MCU will waive closing costs on loans up to $250k. Closing costs are waived if you keep your loan open for at least three years, otherwise you will be required to reimburse MCU for certain fees paid to third parties. These fees can be as low as $135 for a $25,000 loan and as high as $1,000 for a $250,000 loan. Loan applicant has the option to have their mortgage recording fees and mortgage taxes waived at closing for an additional .50% on their introductory rate and fully indexed rate. The waiver of closing costs offer expires on March 31, 2024. Other rates and terms available. Membership is required.
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Heroes Home Improvement Loan

Heroes Home Improvement Loan - Low

Product Term
Rates As Low As
APR*
Monthly Payment
2 Years
5.000%
5.000%
$2,193.57
5 Years
5.000%
5.000%
$943.56
10 Years
5.000%
5.000%
$530.33

Heroes Home Improvement Loan - Moderate

Product Term
Rates As Low As
APR*
Monthly Payment
2 Years
5.250%
5.250%
$2,199.17
5 Years
5.250%
5.250%
$949.30
10 Years
5.250%
5.250%
$536.46

Heroes Home Improvement Loan - Middle

Product Term
Rates As Low As
APR*
Monthly Payment
2 Years
6.000%
6.000%
$2,216.03
5 Years
6.000%
6.000%
$966.64
10 Years
6.000%
6.000%
$555.10
View Heroes Home Improvement Loan Rates Disclosures
*APR = Annual Percentage Rate.

Above APRs are based on loan amounts of $50,000. The APR is fixed for the loan term. The minimum amount that can be borrowed is $5,000 and the maximum amount is $50,000. We are offering loans that range from 1-10 years based on your comfortability and preference. There is no maximum Loan-To-Value (LTV).

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE/ YOUR ACTUAL MONTHLY PAYMENT OBLIGATIONS MAY BE HIGHER. THERE ARE NO CLOSING COSTS FOR THIS LOAN AND ALL OUT OF POCKET EXPENSES FOR APPRAISALS WILL BE REIMBURSED AT CLOSING.

Home Equity accounts are secured by a mortgage on your primary residence. Property insurance is required. Flood insurance may be required if the property is in a flood zone. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply. Membership is required.

Qualifications - This inclusive loan is only being offered to members who meet the following pre-qualifications:

(1) Own the property as their primary residence.

(2) Said primary residence falls within a low, moderate or middle census tract zone as scaled by the FFIEC website. For directions on how to pull this information at home, please click here for directions.

(3) If your home falls within the low, moderate or middle census tract zones, you pre-qualify for the loan.

(4) If your home does not fall within the low, moderate or middle census tract zone mentioned in section 3, you can still pre-qualify by having a household income at or below the low to moderate scale. Incomes vary by County and can be found here.

(5) Must qualify for the loan through other standard eligibility such as credit score, debt to income ratio and lien position.
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Credit Cards

TRUE Rewards Cash Back VISA®

TRUE Rewards Cash Back VISA®

Annual Percentage Rate for Purchases

1.99% Introductory APR for new cardholders on purchases and balance transfers for the first 12 months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, 16.90%, 18.15%, 19.65% or 21.40% (Prime Rate + 9.15%, 10.40%, 11.90% or 13.65%). The APR may vary.*

MCU membership is required.
Grace Period for Repayment of the Balance for Purchases

Not less than 25 days

Method of Computing the Balance for Purchases

Average daily balance (including new purchases)

Annual Fees

None

Minimum Finance Charge

If you are charged interest, the charge will be no less than $.50

Balance Transfer Fee

Balance Transfers: Either $2.00 or 3% of the amount of each Balance Transfer, whichever is greater

MCU membership is required.

Platinum Card VISA®

Platinum Card VISA®

Annual Percentage Rate for Purchases

1.99% Introductory APR for new cardholders on purchases and balance transfers for the first 12 months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, 14.65%, 16.15% or 17.65% (Prime Rate + 6.90%, 8.40%, or 9.90%). The APR may vary.**

MCU membership is required.
Grace Period for Repayment of the Balance for Purchases

Not less than 25 days

Method of Computing the Balance for Purchases

Average daily balance (including new purchases)

Annual Fees

None

Minimum Finance Charge

If you are charged interest, the charge will be no less than $.50

Balanace Transfer Fee

None

MCU membership is required.

MCU² VISA®

MCU² VISA®

Annual Percentage Rate for Purchases

1.99% Introductory APR for new cardholders on purchases and balance transfers for the first twelve (12) months. After that, the APR will be 16.15% (Prime Rate + 8.40%) The APR may vary.***

MCU membership is required.
Grace Period for Repayment of the Balance for Purchases

Not less than 25 days

Method of Computing the Balance for Purchases

Average daily balance (including new purchase)

Annual Fees

None

Minimum Finance Charge

If you are charged interest, the charge will be no less than $.50

Balance Transfer Fee

None

MCU membership is required.

Secured VISA®

Secured VISA®

Annual Percentage Rate for Purchases

11.90%

MCU membership is required.
Grace Period for Repayment of the Balance for Purchases

Not less than 25 days

Method of Computing the Balance for Purchases

Average daily balance (including new purchase)

Annual Fees

None

Minimum Finance Charge

If you are charged interest, the charge will be no less than $.50

Balanace Transfer Fee

None

MCU membership is required.
View Credit Cards Disclosures

Rates and terms are subject to change without notice.

*1.99% Introductory APR for new cardholders on purchases and balance transfers for the first twelve (12) months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, a 16.90%, 18.15%, 19.65% or 21.40% variable APR.

**1.99% Introductory APR for new cardholders on purchases and balance transfers for the first twelve (12) months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, an 14.65%, 16.15%, or 17.65% variable APR.

***1.99% Introductory APR for new cardholders on purchases and balance transfers for the first twelve (12) months. A low 16.15% variable APR after introductory period expires.

The Annual Percentage Rate for Cash Advances for all MCU VISA Cards is a fixed 17.90%.

Balance Transfer Fee for TRUE Rewards Cash Back Visa Card is 3% of the amount of each Balance Transfer but not less than $2.00.

Cash Advance Fee for TRUE Rewards Cash Back VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00.
Cash Advance Fee for Platinum is, depending on your creditworthiness at account opening, either 3% of the amount advanced but not less than $2.00 or more than $30.00, or 3% of the amount advanced but not less than $1.00 or more than $30.00.
Cash Advance Fee for MCU2 VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00.
Cash Advance Fee for Secured VISA Card is 3% of the amount advanced but not less than $1.00 or more than $30.00.
Foreign Transaction Fee for all MCU VISA Cards is 1% of each foreign transaction in U.S. dollars.

Late Payment Fee for all MCU VISA Cards: up to $30.00.
Returned Payment Fee for all MCU VISA Cards: up to $20.00.

Variable APRs will vary with the market based on the Prime Rate and are based on the 7.75% Prime Rate as of 2/2/23.

APR = Annual Percentage Rate.

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