Retirement
Plan Today for Tomorrow
Build the Retirement you Deserve.
Individual Retirement Arrangement (IRA)
An IRA account offers flexibility to allow you to start saving for your retirement. You can make a one lump sum contribution or make many throughout the year. MC Federal offers three types of IRAs to fit your savings needs. A deposit can be as little as $1.00 to a variable IRA account.
| DECLARED MONTHLY DIVIDENDS | APY* | Rate |
|---|---|---|
| IRA Variable | 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. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||
IRA Certificates
Take your retirement savings to the next level with an IRA Certificate. Enjoy the security of a fixed rate and the tax advantages of an IRA, all while growing your funds steadily over a set term. With a low minimum deposit of $500, it’s a smart, reliable way to help secure the future you deserve.
MC Federal pays out higher dividends on Certificates for Special Relationships!
See which Special Relationship you may qualify for:
Members Advantage
To Qualify:
- Primary Member aged 60+
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
- 2 FREE boxes of checks each year
- FREE Cashiers Checks & Money Orders
Loyalty
To Qualify:
- Primary Member has a Checking Account with debit card & direct deposit
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
Premium
To Qualify:
- Primary Member has $50,000+ in existing deposits with MC Federal
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
| IRA Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| Traditional, Roth, & Coverdell $500-$49,999 | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.00% | 3.94% | 4.10% | 4.04% |
| 12 Months | 3.75% | 3.70% | 3.85% | 3.80% |
| 15 Months | 3.50% | 3.46% | 3.60% | 3.56% |
| 18 Months | 3.25% | 3.21% | 3.35% | 3.31% |
| 24 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 36 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 48 Months | 2.75% | 2.72% | 2.85% | 2.82% |
| 60 Months | 2.50% | 2.48% | 2.60% | 2.58% |
| *APY = Annual Percentage Yield. Rates current as of 08/22/2025. Minimum Opening Balance = $500. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
| Jumbo IRA Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| Traditional, Roth, and Coverdell $50,000 and Over | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 12 Months | 3.85% | 3.80% | 3.95% | 3.90% |
| 15 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 36 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 48 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| 60 Months | 2.60% | 2.58% | 2.70% | 2.68% |
| *APY = Annual Percentage Yield. Minimum Balance Deposit = $50,000. 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. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
Share Certificates
A Share Certificate is one of the most widely held and accepted investments today. It is a flexible, safe investment that pays a high market dividend rate. Opening a Share Certificate is absolutely free and all the dividends your Share Certificate earns is compounded quarterly! See the dividend rates in the tables below.
Features
- Minimum investment of $500
- 6 to 60 month terms available
- Dividend rate fixed for the term of the certificate
- The APY (Annual Percentage Yield) is based on the dividends remaining on the deposit until maturity is reached
- Dividends are compounded and posted quarterly
- 90 – 180 day dividend penalty for early withdrawl at the rate being paid, depending on term
- Funds are insured by the NCUA
Joint Owners: A joint owner may be added to a Certificate if you desire. The joint owner is listed as the secondary owner of the Certificate and is subject to the same terms and agreements as the primary owner.
Early Withdrawal: If you withdraw from your Certificate prior to maturity, you will pay an dividend penalty. This penalty is clearly spelled out in MC Federal Credit Union’s Certificate Disclosure form. A penalty will not be imposed for withdrawals following the death or judicially declared incompetence of the account holder.
Dividends: Dividend rates on Certificates depend on current economic conditions and the length of time you agree to leave your money on deposit at MC Federal. Once you purchase a Certificate, the dividend rate and corresponding annual percentage yield is fixed for the life of that Certificate. With our Certificates, you may elect to have your quarterly dividend credited to the Certificate balance, posted to a Share Account or have a check mailed to your home. Certificate dividends are computed daily, compounded quarterly and quoted in terms of annual percentage yield.
MC Federal is now paying out higher dividends. See which Special Relationship qualifies you!
Members Advantage
To Qualify:
- Primary Member aged 60+
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
- 2 FREE boxes of checks each year
- FREE Cashiers Checks & Money Orders
Loyalty
To Qualify:
- Primary Member has a Checking Account with debit card & direct deposit
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
Premium
To Qualify:
- Primary Member has $50,000+ in existing deposits with MC Federal
Earns:
- Additional 0.10% Annual Percentage Yield on Certificates
| Regular Share Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $500-$49,999 | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.00% | 3.94% | 4.10% | 4.04% |
| 12 Months | 3.75% | 3.70% | 3.85% | 3.80% |
| 15 Months | 3.50% | 3.46% | 3.60% | 3.56% |
| 18 months | 3.25% | 3.21% | 3.35% | 3.31% |
| 24 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 36 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 48 Months | 2.75% | 2.72% | 2.85% | 2.82% |
| 60 Months | 2.50% | 2.48% | 2.60% | 2.58% |
| *APY = Annual Percentage Yield. Minimum Opening Balance = $500. 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. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
| Jumbo Share Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $50,000 and Over | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 12 Months | 3.85% | 3.80% | 3.95% | 3.90% |
| 15 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 36 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 48 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| 60 Months | 2.60% | 2.58% | 2.70% | 2.68% |
| *APY = Annual Percentage Yield. Minimum Opening Balance = $50,000. 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. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
Individual Retirement Accounts
An IRA account offers flexibility to allow you to start saving for your retirement. You can make a one lump sum contribution or make many throughout the year. MC Federal offers three types of IRAs to fit your savings needs. A deposit can be as little as $1.00 to a variable IRA account and just $500.00 for an IRA certificate with a set term.
| DECLARED MONTHLY DIVIDENDS | APY* | Rate |
|---|---|---|
| IRA Variable | 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. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||
| Jumbo IRA Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| Traditional, Roth, and Coverdell $50,000 and Over | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 12 Months | 3.85% | 3.80% | 3.95% | 3.90% |
| 15 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 36 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 48 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| 60 Months | 2.60% | 2.58% | 2.70% | 2.68% |
| *APY = Annual Percentage Yield. Minimum Balance Deposit = $50,000. 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. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
Health Savings Accounts (HSA)
One of the major themes of HSAs is individual control. You are the primary decision-maker. You decide when to use the HSA funds to pay for medical expenses. Your employer has no control over the HSA funds. Even when you change jobs, your HSA goes with you. HSAs are designed specifically for individuals with a high deductible health plan. Members who switch to a high deductible health plan will likely enjoy lower premiums. Unlike contributions to a flexible spending account, the balance of an HSA is carried over to the next year. That means the HSA owners are not placed in a position of having to “use it or lose it” each year.
| Declared Monthly Dividends | APY* | Dividend Rate |
|---|---|---|
| Health Savings Account (HSA) | 0.10% | 0.10% |
| *APY = Annual Percentage Yield. HSA = Health Savings Account. 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. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||
| HSA Certificates | General Membership | Special Relationships | ||
|---|---|---|---|---|
| $500-$49,999 | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.00% | 3.94% | 4.10% | 4.04% |
| 12 Months | 3.75% | 3.70% | 3.85% | 3.80% |
| 15 Months | 3.50% | 3.46% | 3.60% | 3.56% |
| 18 Months | 3.25% | 3.21% | 3.35% | 3.31% |
| 24 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 36 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 48 Months | 2.75% | 2.72% | 2.85% | 2.82% |
| 60 Months | 2.50% | 2.48% | 2.60% | 2.58% |
| *APY = Annual Percentage Yield. HSA = Health Savings Account. Minimum Opening Balance = $500. 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. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
| Jumbo HSA Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $50,000 and Over | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 12 Months | 3.85% | 3.80% | 3.95% | 3.90% |
| 15 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 36 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 48 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| 60 Months | 2.60% | 2.58% | 2.70% | 2.68% |
| *APY = Annual Percentage Yield. HSA = Health Savings Account. Minimum Opening Balance = $50,000. 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. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. | ||||
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