Savings & Club Accounts
Building Your Future Together
Craft Your Financial Future
You’ve got a plan for the future, and we’ve got a plan for you. Short-term savings. Long-term goals. A nest egg for retirement. No matter what you’re saving for, MC Federal has the perfect savings plan to match your needs. All are federally insured, earn high dividends and allow for fast, easy deposit and withdrawal. So choose the plan that’s just right for you:
Regular Savings Account
The share savings account at MC Federal is the key to becoming a member. The Share Account represents a member’s ownership in MC Federal Credit Union. A share account requires a $5.00 minimum deposit upon opening and is required to maintain membership status. It is the first and most convenient way to start saving.
- Earnings are calculated from date of deposit to date of withdrawal
- Dividends are posted to your account quarterly
- Free Digital Banking, Bill Pay, and E-statements
- No monthly fees to maintain your account
- Free Audio-Banking
- Surcharge free access to thousands of ATMs at specified locations
- Insured by the NCUA
Declared Dividends APY* Dividend Rate Account Type Share (Savings) 0.10% 0.10% *APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum $25 balance required to earn the stated APY. MC Federal Credit Union membership is required.
Club Accounts
Perfect for once a year expenses such as holiday gifts and summer vacations. Take advantage of automatic transfer and direct deposit features to build a no hassle savings solution. Plus, unlike other institutions, you can access your club account at any time with no penalty!
- Open an account year-round
- Build your savings with Direct Deposit or Payroll Deductions
- Funds can be automatically transferred on a preset date.
- No penalty for early withdrawal
- Insured by the NCUA
Declared Club Account Dividends APY* Dividend Rate Account Type Club 0.01% 0.01% *APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required.
The share savings account at MC Federal is the key to becoming a member. The Share Account represents a member’s ownership in MC Federal Credit Union. A share account requires a $5.00 minimum deposit upon opening and is required to maintain membership status. It is the first and most convenient way to start saving.
Declared Dividends APY* Dividend Rate Account Type Share (Savings) 0.10% 0.10% *APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum $25 balance required to earn the stated APY. MC Federal Credit Union membership is required.
Perfect for once a year expenses such as holiday gifts and summer vacations. Take advantage of automatic transfer and direct deposit features to build a no hassle savings solution. Plus, unlike other institutions, you can access your club account at any time with no penalty!
- Open an account year-round
- Direct Deposit, Payroll Deduction
- Funds are automatically transferred on a preset date. Ask an MSR for details
- No penalty for early withdrawl
- Insured by the NCUA
Declared Club Account Dividends APY* Dividend Rate Account Type Club 0.01% 0.01% *APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required.
Questions about Savings or Club Accounts?
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