Rates

Savings

These rates are in effect as of Friday, February 3, 2023.

Minimum Opening DepositAverage Daily Balance Required To Earn APYAnnual Percentage YieldDividend Rate
Hero Savings*
$0.01$50,000.00 - and over0.05%0.05%
$0.01$4,000.00 - 49,999.990.05%0.05%
$0.01$1,000.00 - 3,999.990.01%0.01%
$0.01$500.00 - 999.990.01%0.01%
Smart Apple Savers/Future Investors Club
$0.01-0.05%0.05%
Holiday/Vacation Club
$5.00-0.05%0.05%
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*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.

Minimum Opening DepositAverage Daily Balance Required To Earn APYAnnual Percentage YieldDividend Rate
Money Market Rates
$2,500$50,000.00 - and over1.00%1.00%
$2,500$25,000.00 - $49,999.990.75%0.75%
$2,500$10,000.00 - $24,999.990.50%0.50%
$2,500$2,500.00 - $9,999.990.25%0.25%
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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.

*If your money market account’s average daily balance for a calendar month is less than $2,500.00, no dividend will be earned for that month and your account will be assessed a service charge (fee) of $5.00 at the beginning of the next month.

AccountMinimum Opening DepositMinimum BalanceTerm (months)Annual Percentage YieldDividend Rate
Share Certificate and IRA Rates
6-Month Share Certificate$500$50061.51%1.50%
12-Month Share Certificate$500$500122.02%2.00%
24-Month Share Certificate$500$500242.53%2.50%
36-Month Share Certificate$500$500363.04%3.00%
Deposit Plus Share Certificate$250$250182.27%2.25%
Secured Visa Share Certificate$300$300182.27%2.25%
IRA 06-Month Share Certificate$500$50061.51%1.50%
IRA 12-Month Share Certificate$500$500122.02%2.00%
IRA 18-Month Share Certificate$100$100182.27%2.25%
IRA 24-Month Share Certificate$500$500242.53%2.50%
IRA 36-Month Share Certificate$500$500363.04%3.00%
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APY = Annual Percentage Yield

The APY is accurate as of Friday, February 3, 2023.

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.
The APY is accurate as of Friday, February 3, 2023.

These rates are in effect as of Friday, February 3, 2023.
Rates and terms are subject to change without notice.

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Routing Number: 226078036

NMLS #:184286

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.