Rates
| Vehicle Loan Rates | Types | APR* as low as |
|---|---|---|
| Vehicles and Demos | New | 4.69% |
| Used | 5.99% | |
| Motorcycles/ATVs/Campers/Boats | New | 7.49% |
| Used | 7.99% | |
| *APR = Annual Percentage Rate. APR current as of 12/01/2024. Credit restrictions apply. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term, and age of vehicle. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. | ||
Please visit our Mortgage Center for more information!
| Credit Cards | APR* as low as: |
|---|---|
| MC Federal Visa Platinum | 12.74% |
| MC Federal Premium Rewards Visa | 14.74% |
| MC Federal Architect Visa | 18.00% |
| MC Federal Cache Visa | 12.74% |
| MC Federal Visa Signature | 15.74% |
| *APR = Annual Percentage Rate. Rates current as of 10/24/2024. The rates are variable and may change. Current rates range from 13.24% APR to 18.00% APR. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. | |
| Signature Loans & Lines of Credit | APR* as low as |
|---|---|
| Signature Loan | 9.99% |
| Line of Credit | 12.99% |
| Share Secured Loan | 4.25% |
| Share Certificate Secured Loan | 2% over Certificate Rate or Share Secured Rate, whichever is highest |
| *APR = Annual Percentage Rate. The APR is current as of 12/01/2024. Signature Loan rates are fixed. Signature Line of Credit rates are variable and may change. Signature Loans and Line of Credits are available up to $25,000. Share Secured and Share Certificate Secured Loans available up to Secured Share Balance. The rate & term you qualify to receive may vary depending on individual credit history and underwriting factors. Not all applicants will qualify. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. | |
| Home Equity Loan-Principal Residence | APR* |
|---|---|
| Fixed Term | 80% Loan to Value |
| 36 months | 4.50% |
| 60 months | 5.75% |
| 84 months | 6.25% |
| 120 months | 6.50% |
| 180 months | 6.75% |
| 240 months | 7.25% |
| *APR = Annual Percentage Rate. LTV=Loan to Value. The APR is current as of 12/01/2024. Your rate on home equity loan may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. Repayment example: For a $50,000.00 loan for a term of 84 months with a 6.25% APR, the monthly payment will be $736.59. A minimum advance of $10,000.00 is required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other fees may apply. Flood and /or property hazard insurance may be required. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. | |
| FlexChoice Home Equity Line of Credit | APR* |
|---|---|
| Line of Credit rates as low as Prime | 7.75% |
| The flexibility of a line of credit and the certainty of a home equity loan. | Fixed rates “as low as” 4.50% |
| *APR = Annual Percentage Rate. The rate is based on the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous month. Prime is a variable rate; as it changes, the APR on your account will also change. The APR is current as of 12/01/2024. Your rate may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. Interest only payments during the draw period. You may lock in all or a portion of your line as a fixed term loan segment; up to two segments at one time. Locked segment payments will consist of principal plus interest. Terms available from 3 year to 15 year maximum. Fixed term APR may vary based on term chosen. During the repayment only period, all payments will be principal and interest, based on 15-year term. Other fees may apply. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. | |
Student loans are offered through our partnership with Sallie Mae. Find rates, terms, and conditions at www.salliemae.com. Some restrictions may apply.
| Declared Dividends | APY* | Dividend Rate |
|---|---|---|
| Account Type | ||
| Share (Savings) | 0.10% | 0.10% |
| *APY = Annual Percentage Yield. Rates current as of 03/01/2024. 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. | ||
| Declared Dividends | APY* | Rate |
|---|---|---|
| Account Type | ||
| Share Draft (Checking) | 0.01% | 0.01% |
| Fresh Start Checking | 0.01% | 0.01% |
| *APY = Annual Percentage Yield. Rates current as of 03/01/2024. Fresh Start Checking Minimum Opening Deposit = $25. Fresh Start Checking has a $5 monthly service fee. 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. | ||
| Declared Club Account Dividends | APY* | Dividend Rate |
|---|---|---|
| Account Type | ||
| Club | 0.01% | 0.01% |
| *APY = Annual Percentage Yield. Rates current as of 03/01/2024. 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. | ||
| Money Market Accounts | APY* | Dividend Rate |
|---|---|---|
| Dividends Posted Monthly | ||
| $1,000-$19,999 | 0.65% | 0.65% |
| $20,000-$49,999 | 2.00% | 1.98% |
| $50,000-$99,999 | 2.25% | 2.23% |
| $100,000 or more | 2.75% | 2.72% |
| *APY = Annual Percentage Yield. Rates current as of 03/01/2024. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Minimum balance required to earn the stated APY listed above. MC Federal Credit Union membership is required. | ||
| Platinum Money Market (Min. $50k) | APY* | Dividend Rate |
|---|---|---|
| Dividends Posted Monthly | 2.25% | 2.23% |
| *APY = Annual Percentage Yield. Rates current as of 03/01/2024. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Minimum $50,000 balance required to earn the stated APY. Fees may reduce earnings. MC Federal Credit Union membership is required. | ||
| Regular Share Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $500-$49,999 | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.50% | 4.43% | 4.60% | 4.53% |
| 12 Months | 4.25% | 4.18% | 4.35% | 4.28% |
| 15 Months | 4.00% | 3.94% | 4.10% | 4.04% |
| 18 months | 3.25% | 3.21% | 3.35% | 3.31% |
| 24 Months | 3.50% | 3.46% | 3.60% | 3.56% |
| 36 Months | 3.25% | 3.21% | 3.35% | 3.31% |
| 48 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 60 Months | 2.75% | 2.72% | 2.85% | 2.82% |
| *APY = Annual Percentage Yield. Minimum Opening Balance = $500. Rates current as of 08/30/2024. 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 | 4.60% | 4.53% | 4.70% | 4.63% |
| 12 Months | 4.35% | 4.28% | 4.45% | 4.38% |
| 15 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 36 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 48 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 60 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| *APY = Annual Percentage Yield. Minimum Opening Balance = $50,000. Rates current as of 08/30/2024. 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. | ||||
| DECLARED MONTHLY DIVIDENDS | APY* | Rate |
|---|---|---|
| IRA Variable | 0.10% | 0.10% |
| *APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 12/01/2023. 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 | General Membership | Special Relationship | ||
|---|---|---|---|---|
| Traditional, Roth, & Coverdell $500-$49,999 | APY* | Dividend Rate | APY* | Dividend Rate |
| 6 Months | 4.50% | 4.43% | 4.60% | 4.53% |
| 12 Months | 4.25% | 4.18% | 4.35% | 4.28% |
| 15 Months | 4.00% | 3.94% | 4.10% | 4.04% |
| 18 Months | 3.25% | 3.21% | 3.35% | 3.31% |
| 24 Months | 3.50% | 3.46% | 3.60% | 3.56% |
| 36 Months | 3.25% | 3.21% | 3.35% | 3.31% |
| 48 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 60 Months | 2.75% | 2.72% | 2.85% | 2.82% |
| *APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 08/30/2024. 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 | 4.60% | 4.53% | 4.70% | 4.63% |
| 12 Months | 4.35% | 4.28% | 4.45% | 4.38% |
| 15 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 36 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 48 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 60 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| *APY = Annual Percentage Yield. IRA = Individual Retirement Account. Minimum Balance Deposit = $50,000. Rates current as of 08/30/2024. 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. | ||||
| 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 03/01/2024. 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 | 4.50% | 4.43% | 4.60% | 4.53% |
| 12 Months | 4.25% | 4.18% | 4.35% | 4.28% |
| 15 Months | 4.00% | 3.94% | 4.10% | 4.04% |
| 18 Months | 3.25% | 3.21% | 3.35% | 3.31% |
| 24 Months | 3.50% | 3.46% | 3.60% | 3.56% |
| 36 Months | 3.25% | 3.21% | 3.35% | 3.31% |
| 48 Months | 3.00% | 2.97% | 3.10% | 3.07% |
| 60 Months | 2.75% | 2.72% | 2.85% | 2.82% |
| *APY = Annual Percentage Yield. HSA = Health Savings Account. Minimum Opening Balance = $500. Rates current as of 08/30/2024. 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 | 4.60% | 4.53% | 4.70% | 4.63% |
| 12 Months | 4.35% | 4.28% | 4.45% | 4.38% |
| 15 Months | 4.10% | 4.04% | 4.20% | 4.14% |
| 18 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 24 Months | 3.60% | 3.56% | 3.70% | 3.66% |
| 36 Months | 3.35% | 3.31% | 3.45% | 3.41% |
| 48 Months | 3.10% | 3.07% | 3.20% | 3.17% |
| 60 Months | 2.85% | 2.82% | 2.95% | 2.92% |
| *APY = Annual Percentage Yield. HSA = Health Savings Account. Minimum Opening Balance = $50,000. Rates current as of 08/30/2024. 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. | ||||
