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These rates are in effect as of Tuesday, July 1, 2025
Savings
Savings Accounts
Hero Savings
Hero Savings 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.
High Yield Savings
High Yield Savings Disclosures
APY=Annual Percentage Yield. The APY is effective as of February 10, 2025. This is a variable rate account and the rate may change after the account is opened.
Eligibility for Advertised APY: To qualify for the advertised APY, you must deposit $5,000.00 “new to MCU money” directly into the High Yield Savings Account (“Account”). “New to MCU money” is defined as money not currently maintained in any MCU account. Until the minimum of $5,000.00 in “new to MCU money” is deposited, dividends on the Average Daily Balance in the High Yield Savings Account will accrue at the same APY as the Hero Savings Account with the corresponding Minimum Balance to Earn the Stated APY for the Hero Savings Account. After the required amount of “new to MCU money” is deposited into the Account, there is no minimum balance to earn the posted High Yield APY and any High Yield Savings Account balance will earn dividends at the posted High Yield Savings APY. The dividend rate and APY is subject to change. Deposits and/or transfers can be made from an existing MCU account at any time, but any deposits or transfers from an existing MCU account will not count towards the “new to MCU money” requirement.
Minimum Opening Deposit: A minimum of $100.00 opening deposit is required.
Fees: There are no Account specific fees. Standard fees applicable to MCU membership and deposit accounts apply.
Holiday/Vacation Club
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.
Money Markets
Money Market Accounts
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.
Share Certificate and IRA Rates
Share Certificates
The product was sunsetted as of June 30, 2024, and is no longer available for sign-up.
IRA Share Certificates
View Share Account Rates Disclosures
APY = Annual Percentage Yield
The APY is accurate as of 5/13/25.
*11-Month Share Certificate-$5k New Money: To be eligible, you must open an 11 Months – New Money certificate account in-person at one of our branches or through our business development teams. The 11 Months – New Money certificate accounts are not offered through our Digital Banking platform. A minimum balance of $5,000.00 of New Money is required to open a 11 Months – New Money certificate. You may deposit additional New Money into the 11 Months – New Money certificate account for up to seven (7) days from the date the account is opened. All money deposited into the account must be New Money. New Money is defined as funds that are not on deposit in any MCU account. After seven (7) days from opening the 11 Months – New Money certificate account, no additional deposits are permitted into the account until the renewal period. The account will automatically renew into the Promotional 9 Month certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 9 Month certificate in effect at the time of renewal unless you close the account during the ten (10) day renewal grace period.
**Our 12-Month Certificate of Deposit accounts offer a 0.50% increase on the current Annual Percentage Yield (APY) if you meet certain eligibility requirements. To be eligible, you must open an account or renew an existing account in-person at one of our branches or through our mail-in renewal process. The accounts are not offered through our Digital Banking platform. You must also deposit $5,000 into the Certificate of Deposit account at the time of opening or renewing from funds that are not maintained in any of your current accounts with us. Any funds that you want to deposit in addition to the $5,000 may come from your accounts you currently have with us.
You may be eligible for a 0.50% increase on the current Dividend Rate on the 12 Months Share Certificate account if you meet certain eligibility requirements. To be eligible, you must open a 12 Months – $5K New Money Share Certificate account or renew an existing 12 Months Share Certificate account in-person at one of our branches or through our mail-in renewal process. You must also deposit a minimum of $5,000 of New Money into the Share Certificate account at the time of opening or renewing. "New Money" is defined as funds that are not on deposit in any MCU account. Any funds that you want to deposit in addition to the $5,000 of New Money may come from accounts you currently have with us and those additional funds will earn the stated APY. The 12 Months – $5K New Money Share Certificate account is not offered through our Digital Banking platform and the 12 Months Share Certificate cannot be renewed into a 12 Months – $5K New Money Share Certificate through our Digital Banking platform. The account will automatically renew into the 12 Months – Share Certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 12 Months – Share Certificate in effect at the time of renewal unless the account is closed prior to maturity or during the ten (10) day renewal grace period or the eligibility requirements of the 12 Months – $5K New Money Share Certificate at satisfied during the ten (10) day renewal grace period. An early withdrawal penalty will apply if the account is closed prior to maturity.
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.
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.
Loans
Auto Loan Rates
New Auto - Purchase - Best Loan Rates Available when you have direct deposit to your MCU Everyday Hero Checking account**
(Auto Model Year)
Based on longest term
Used Auto Purchase / Refinance - Best Loan Rates Available when you have direct deposit to your MCU Everyday Hero Checking account**
(Auto Model Year)
Based on longest term
View Auto Loan Rates Disclosures - effective 6/4/2024
*APR - Annual Percentage Rate. 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.
**Additional discount available with established direct deposit to MCU Everyday Hero Checking account.
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.
***Payment Examples: Assume excellent borrower history with FICO score of 760+, 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®.
Personal Loan Rates
Personal Loan
View Personal Loan Rates Disclosures
*APR - Annual Percentage Rate. Members who currently have or will establish direct deposit to their MCU checking account will receive an additional .25% discount. 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 7.99% is available for loan term of 36 months up to $50,000 – higher rates apply for loan terms over 36 months. Rates may be higher based on your creditworthiness. Repayment terms range from 12 months to 72 months. APRs range from 7.99% to 17.99%. Late payment fee of $25.00. Certain restrictions apply. Rates and terms are subject to change without notice. Membership is required.
Share Secured Loan
Share Certificate Secured Loan
View Share Secured Loan Rates Disclosures
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.
Overdraft
Overdraft Checking Line of Credit
View Overdraft Checking Line of Credit Disclosures
Mortgage Loans
Fixed Rate Mortgages
30 Year Term - 360 Payments
View Fixed Rate Mortgage Rates Disclosures
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.
Adjustable Rate Mortgages
5/6 ARM (30 Year Term)
7/6 ARM (30 Year Term)
10/6 ARM (30 Year Term)
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.
High Balance Fixed Rate Mortgages
30 Year Term - 360 Payments
View High Balance Fixed Rate Mortgage Rates Disclosures
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.
Jumbo Fixed Rate Mortgages
30 Year Term - 360 Payments
View Jumbo Fixed Rate Mortgage Rates Disclosures
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.
Home Equity Loans
Home Equity Line Of Credit Rates
Home Equity Line Of Credit
View Home Equity Line of Credit Rates Disclosures
** APR = Annual Percentage Rate. The introductory rate is 5.99% for 2nd lien position loans and 5.49% for 1st lien position loans with APR for 12 months with a minimum loan amount of $100,000 and maximum 75% Combined Loan-to-Value (CLTV). Minimum FICO Score is 720 with a required initial draw depending on the approved loan amount. The initial draws are as follows:
1) For a $100,000 loan requires a minimum draw of $25,000.
2) Loan amount between $100,000.01 - $250,000 requires a minimum draw of $50,000.
3) Loan amount between $250,000.01 - $500,000 requires a minimum draw of $100,000.
The initial rate will be in effect for the first year your credit line is open. MCU cannot pay your mortgage taxes for this special promotion. 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. Special promotion rate is available for a limited time.
The current variable APRs range from 7.50% - 11.50%. The floor APR is 3.00%. HELOC closing costs are waived if, at closing, you take a minimum advance of $25,000 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. Closing costs paid by MCU include the initial valuation source, title report, credit report and flood zone certification. Loan applicant has the option to have their mortgage recording fees and mortgage taxes waived at closing for an additional .500% on their introductory rate and fully indexed rate for the term of the loan. The 6.875% introductory rate and closing costs waiver offer is available for a limited time.
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 Current Prime Rate is 7.50%. 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.
Home Equity Loan Rates
Fixed Home Equity (1st Lien)
View Home Equity Loan Rates Disclosures
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.
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. Closing costs paid by MCU include the initial valuation source, title report, credit report and flood zone certification. 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 for the term of the loan. Other rates and terms available. Membership is required.
Home Improvement Loan
Heroes Home Improvement Loan - Middle
View Heroes Home Improvement Loan Rates Disclosures
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 OTHER THAN THE COST OF AN APPRAISAL IF REQUIRED.
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. Please schedule an appointment with one of our Home Lending Sales Representatives to verify eligibility.
(5) Must qualify for the loan through other standard eligibility such as credit score, debt to income ratio and lien position.
Credit Cards
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, 16.65%, 17.90%, 19.40% or 21.15% (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®
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, 14.40%, 15.90% or 17.40% (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
Balance 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.
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.