Dividend rates are subject to change at any time without notice. Some deposit accounts may have a penalty for early withdrawal. See the Truth-in-Savings disclosure for additional details. You must maintain the disclosed minimum average daily balance in your account during the dividend period for that account to obtain the disclosed Annual Percentage Yield (APY).
Rates Effective Date: October 30, 2024
Consumer Deposit Rates
Name
|
Balance
|
Rate
|
% APY
|
Compounding/Posted
|
Savings
|
$250-$9,999
|
1.00%
|
1.00%
|
Quarterly/Quarterly
|
|
$10,000+
|
1.00%
|
1.00%
|
Quarterly/Quarterly
|
Special Savings
|
$500 & Over
|
0.75%
|
0.75%
|
Quarterly/Quarterly
|
IRA/Roth/Education Savings
|
$.01 & Over
|
0.50%
|
0.50%
|
Quarterly/Quarterly
|
Dollar Dog Kids Club
|
$.01-9,999
|
1.00%
|
1.00%
|
Quarterly/Quarterly
|
|
$10,000-24,999
|
1.00%
|
1.00%
|
Quarterly/Quarterly
|
|
$25,000+
|
1.00%
|
1.00%
|
Quarterly/Quarterly
|
Christmas Club
|
$20 & Over
|
0.50%
|
0.50%
|
Annually/Annually
|
Interest Checking
|
up to $25,000
|
0.30%
|
0.30%
|
Monthly/Monthly
|
|
$25,000+
|
0.25%
|
0.25%
|
Monthly/Monthly
|
Premier Checking
|
$1,500 & Over
|
0.30%
|
0.30%
|
Monthly/Monthly
|
Money Market
|
$0-2,499
|
0.00%
|
0.00%
|
Monthly/Monthly
|
|
$2,500-9,999
|
1.00%
|
1.00%
|
Monthly/Monthly
|
|
$10,000-24,999
|
1.00%
|
1.00%
|
Monthly/Monthly
|
|
$25,000-49,999
|
1.00%
|
1.00%
|
Monthly/Monthly
|
|
$50,000-99,999
|
1.00%
|
1.00%
|
Monthly/Monthly
|
|
$100,000+
|
1.00%
|
1.00%
|
Monthly/Monthly
|
6-month CD Rate
|
$1,000+
|
3.75%
|
3.82%
|
Monthly/Monthly
|
1-year CD Rate
|
$1,000+
|
4.00%
|
4.07%
|
Monthly/Monthly
|
18-month CD Rate
|
$1,000+
|
4.10%
|
4.18%
|
Monthly/Monthly
|
2-year CD Rate
|
$1,000+
|
4.25%
|
4.33%
|
Monthly/Monthly
|
3-year CD Rate
|
$1,000+
|
4.25%
|
4.33%
|
Monthly/Monthly
|
5-year CD Rate
|
$1,000+
|
4.25%
|
4.33%
|
Monthly/Monthly
|
Business Deposit Rates
Name
|
Balance
|
Rate
|
% APY
|
Compounding/Posted
|
Business Savings
|
$500-9,999
|
0.10%
|
0.10%
|
Quarterly/Quarterly
|
|
$10,000-24,999
|
0.10%
|
0.10%
|
Quarterly/Quarterly
|
|
$25,000+
|
0.10%
|
0.10%
|
Quarterly/Quarterly
|
Business Checking
|
$0-2,500
|
0.00%
|
0.00%
|
Monthly/Monthly
|
|
$2,501-9,999
|
0.10%
|
0.10%
|
Monthly/Monthly
|
|
$10,000-24,999
|
0.10%
|
0.10%
|
Monthly/Monthly
|
|
$25,000-49,999
|
0.10%
|
0.10%
|
Monthly/Monthly
|
|
$50,000+
|
0.10%
|
0.10%
|
Monthly/Monthly
|
Unlimited Business Checking
|
$0-2,500
|
0.00%
|
0.00%
|
Monthly/Monthly
|
|
$2,501-9,999
|
0.10%
|
0.10%
|
Monthly/Monthly
|
|
$10,000-24,999
|
0.10%
|
0.10%
|
Monthly/Monthly
|
|
$25,000-49,999
|
0.10%
|
0.10%
|
Monthly/Monthly
|
|
$50,000+
|
0.10%
|
0.10%
|
Monthly/Monthly
|
6-month CD Rate
|
$1,000+ |
1.25%
|
1.26%
|
Monthly/Monthly
|
1-year CD Rate
|
$1,000+ |
1.50%
|
1.51%
|
Monthly/Monthly
|
2-year CD Rate
|
$1,000+ |
1.75%
|
1.76%
|
Monthly/Monthly
|
Health Savings Accounts Rates
Balance
|
Rate
|
% APY
|
$25-499
|
.05%
|
.05%
|
$500-2,499
|
.05%
|
.05%
|
$2,500-4,999
|
.05%
|
.05%
|
$5,000-14,999
|
.05%
|
.05%
|
$15,000+
|
.05%.
|
.05%
|
*For CD Renewals, MCU must be contacted to obtain stated rates.
Loan Rates
Type
|
Term
|
Rate
|
mx
|
Autos
|
2 Years or Less
|
As low as 5.74%
|
|
Autos
|
3 Years or 36 Mo
|
As low as 5.99%
|
|
Autos
|
4 Years or 48 Mo
|
As low as 5.99%
|
|
Autos
|
5 Years or 60 Mo
|
As low as 5.99%
|
|
Autos
|
6 Years or 72 Mo
|
As low as 6.24%
|
|
Autos
|
75 Mo
|
As low as 6.49%
|
|
Boats, RVs, Travel Trailer
|
2 Years or Less
|
As low as 6.24%
|
|
Boats, RVs, Travel Trailer
|
3 Years or 36 Mo
|
As low as 6.49%
|
|
Boats, RVs, Travel Trailer
|
4 Years or 48 Mo
|
As low as 6.74%
|
|
Boats, RVs, Travel Trailer
|
5 Years or 60 Mo
|
As low as 6.74%
|
|
Boats, RVs, Travel Trailer
|
6 Years or 72 Mo
|
As low as 6.99%
|
|
Boats, RVs, Travel Trailer
|
75 Mo
|
As low as 7.24%
|
|
Signature Loans
|
Up to 3 Years
|
As low as 8.99%
|
Up to $25,000
|
Signature Loans
|
4 Years
|
As low as 9.99%
|
Up to $25,000
|
Miscellaneous Collateral
|
Up to 60 Months
|
As low as 8.99%
|
Up to determined value
|
Miscellaneous Collateral
|
Over 60 Months to 72 Months
|
As low as 9.99%
|
Up to determined value
|
Share Secured
|
12 Months or Less
|
2% above APY of Share Account
|
|
CD Secured
|
Term of CD
|
2% above APY of CD
|
|
Classic MasterCard®
|
Revolving
|
13.25%
|
Up to $15,000
|
Gold MasterCard®
|
Revolving
|
9.9%
|
Up to $25,000
|
Term/One Time Cash Pay
|
|
2% above appropriate APR for 60 mo term
|
6 month maximum
|
Home Equity
|
Up to 15 Years
|
Call for current rate
|
80% value minus liens
|
|
|
|
