Rates

Rates

Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew2.99%2.74%
Used3.99%3.74%
RVs/Campers/ Travel TrailersNew6.19%5.94%
Used6.69%6.44%
Motorcycles/ATVs/BoatsNew3.49%3.24%
Used4.29%4.04%
*APR = Annual Percentage Rate. APR current as of 07/01/2022. 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. AutoPay APR includes 0.25% discount for automatic payment (AutoPay) from your new or existing MC Federal deposit account. Rate subject to increase if AutoPay is discontinued. Payment Example: $7,500 loan amount for 48 months at 3.44% APR = estimated monthly payment of $167.47. 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 CardsAPR* Rates as low as:
MC Federal Visa Platinum10.24%
MC Federal Premium Rewards Visa12.24%
MC Federal Architect Visa17.24%
MC Federal Cache Visa10.24%
MC Federal Visa Signature13.24%
MC Federal Platinum Business12.24%
*APR = Annual Percentage Rate. Rates current as of 08/01/2022. The rates are variable and may change. Current rates range from 10.24% 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 CreditAPR* Rates as low as
Line of Credit8.99%
Share Certificate Secured Loan2% over Certificate Rate or Share Secured Rate,
whichever is highest
Share Secured Loan4.25%
Signature Loan7.49%
*APR = Annual Percentage Rate. The APR is current as of 10/01/2021. 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 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 ResidenceAPR*
Fixed Term80% Loan to Value
36 months2.99%
60 months3.79%
84 months4.49%
120 months4.79%
180 months5.29%
240 months5.99%
*APR = Annual Percentage Rate. LTV=Loan to Value. The APR is current as of 07/01/2022. Your rate on home equity loans 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. 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 CreditAPR*
Prime Rate5.50%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 5.00%
*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 08/01/2022. 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 DividendsAPY*Rate
Account Type
Share (Savings)0.10%0.10%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Account may be subject to transaction limitations. MC Federal Credit Union membership is required.

 

Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.01%0.01%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 DividendsAPY*Rate
Account Type
Christmas Club0.010%0.010%
All-Purpose Club0.010%0.010%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 AccountsAPY*Rate
Dividends Posted Monthly
$1,000-$19,9990.35%0..349%
$20,000-$49,9990.55%0.549%
$50,000-$99,9990.75%0.747%
$100,000 or more1.00%0.995%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Account may be subject to transaction limitations. MC Federal Credit Union membership is required.

Platinum Money Market (Min. $50k)APY*Rate
Dividends Posted Monthly0.75%0.747%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Account may be subject to transaction limitations. MC Federal Credit Union membership is required.

Regular Share CertificatesGeneral MembershipSpecial Relationship
$500-$49,999APY*RateAPY*Rate
6 Months0.20%0.200%0.30%0.300%
12 Months0.30%0.300%0.40%0.400%
15 Months1.65%1.640%1.75%1.740%
18 months1.75%1.739%1.85%1.839%
24 Months0.45%0.449%0.55%0.549%
36 Months0.65%0.648%0.75%0.748%
48 Months0.70%0.698%0.80%0.798%
60 Months0.80%0.798%0.90%0.898%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 CertificatesGeneral MembershipSpecial Relationship
$50,000 and OverAPY*RateAPY*Rate
6 Months0.30%0.300%0.40%0.400%
12 Months0.40%0.400%0.50%0.500%
15 Months1.75%1.740%1.85%1.840%
18 Months1.85%1.839%1.95%1.939%
24 Months0.55%0.549%0.65%0.649%
36 Months0.75%0.748%0.85%0.848%
48 Months0.80%0.798%0.90%0.898%
60 Months0.90%0.898%1.00%0.998%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 DIVIDENDSAPY*
IRA Variable0.10%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 09/01/2022. 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 CertificatesGeneral MembershipSpecial Relationship
Traditional, Roth, & Coverdell
$500-$49,999
APY*RateAPY*Rate
6 Months0.30%0.300%0.40%0.400%
12 Months0.40%0.399%0.50%0.499%
15 Months1.65%1.640%1.75%1.740%
18 Months1.75%1.739%1.85%1.839%
24 Months0.55%0.549%0.65%0.649%
36 Months0.75%0.748%0.85%0.848%
48 Months0.80%0.798%0.90%0.898%
60 Months0.90%0.897%1.00%0.997%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 09/01/2022. 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 CertificatesGeneral MembershipSpecial Relationship
Traditional, Roth, and Coverdell
$50,000 and Over
APY*RateAPY*Rate
6 Months0.40%0.400%0.50%0.500%
12 Months0.50%0.499%0.60%0.599%
15 Months1.75%1.740%1.85%1.840%
18 Months1.85%1.839%1.95%1.939%
24 Months0.65%0.649%0.75%0.749%
36 Months0.85%0.848%0.95%0.948%
48 Months0.90%0.898%1.00%0.998%
60 Months1.00%0.997%1.10%1.097%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 09/01/2022. 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 DividendsAPY*Rate
Health Savings Account (HSA)0.10%0.10%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 09/01/2022. 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 CertificatesGeneral MembershipSpecial Relationships
$500-$49,999APY*RateAPY*Rate
6 Months0.30%0.300%0.40%0.400%
12 Months0.40%0.399%0.50%0.499%
15 Months1.65%1.640%1.75%1.7340%
18 Months1.75%1.739%1.85%1.839%
24 Months0.55%0.549%0.65%0.649%
36 Months0.75%0.748%0.85%0.848%
48 Months0.80%0.798%0.90%0.898%
60 Months0.90%0.897%1.00%0.997%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 09/01/2022. 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 MembershipSpecial Relationship
$50,000 and OverAPY*RateAPY*Rate
6 Months0.40%0.400%0.50%0.500%
12 Months0.50%0.499%0.60%0.599%
15 Months1.75%1.740%1.85%1.840%
18 Months1.85%1.839%1.95%1.939%
24 Months0.65%0.649%0.75%0.749%
36 Months0.85%0.848%0.95%0.948%
48 Months0.90%0.898%1.00%0.998%
60 Months1.00%0.997%1.10%1.097%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 09/01/2022. 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.

Rates

Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew2.99%2.74%
Used3.99%3.74%
RVs/Campers/ Travel TrailersNew6.19%5.94%
Used6.69%6.44%
Motorcycles/ATVs/BoatsNew3.49%3.24%
Used4.29%4.04%
*APR = Annual Percentage Rate. APR current as of 07/01/2022. 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. AutoPay APR includes 0.25% discount for automatic payment (AutoPay) from your new or existing MC Federal deposit account. Rate subject to increase if AutoPay is discontinued. Payment Example: $7,500 loan amount for 48 months at 3.44% APR = estimated monthly payment of $167.47. 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.
Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew2.99%2.74%
Used3.99%3.74%
RVs/Campers/ Travel TrailersNew6.19%5.94%
Used6.69%6.44%
Motorcycles/ATVs/BoatsNew3.49%3.24%
Used4.29%4.04%
*APR = Annual Percentage Rate. APR current as of 07/01/2022. 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. AutoPay APR includes 0.25% discount for automatic payment (AutoPay) from your new or existing MC Federal deposit account. Rate subject to increase if AutoPay is discontinued. Payment Example: $7,500 loan amount for 48 months at 3.44% APR = estimated monthly payment of $167.47. 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.

*APR = Annual Percentage Rate. APR current as of [05/16/2022]. Rates are subject to change without notice. LTV=Loan to Value. Credit restrictions apply. Existing MC Federal loans are not eligible for refinance for the promotion. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. MC Federal Credit Union membership is required. AutoPay APR includes 0.25% discount for automatic payment (AutoPay) from your new or existing MC Federal deposit account. Rate subject to increase if AutoPay is discontinued. Payment Example: $7,500 loan amount for 48 months at 3.44% APR = estimated monthly payment of $167.47. Not valid with any other offer. Terms and conditions subject to change at any time.

Please visit our Mortgage Center for more information!
 

**APR = Annual Percentage Rate. LTV= loan to value. ARM= adjustable rate mortgage. Rates are subject to change without notice. Your rate on any loans may vary from the rates above and will be determined by your credit history. Certain terms, conditions, limitations, and exclusions apply. MC Federal Credit Union Membership is required.

Credit CardsAPR* Rates as low as:
MC Federal Visa Platinum10.24%
MC Federal Premium Rewards Visa12.24%
MC Federal Architect Visa17.24%
MC Federal Cache Visa10.24%
MC Federal Visa Signature13.24%
MC Federal Platinum Business12.24%
*APR = Annual Percentage Rate. Rates current as of 08/01/2022. The rates are variable and may change. Current rates range from 10.24% 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.
Credit CardsAPR* Rates as low as:
MC Federal Visa Platinum10.24%
MC Federal Premium Rewards Visa12.24%
MC Federal Architect Visa17.24%
MC Federal Cache Visa10.24%
MC Federal Visa Signature13.24%
MC Federal Platinum Business12.24%
*APR = Annual Percentage Rate. Rates current as of 08/01/2022. The rates are variable and may change. Current rates range from 10.24% 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.

*APR = Annual Percentage Rate. Current rates range from 8.74% APR to 18.00% APR. Rates are subject to change without notice. The Annual Percentage Rate can vary based on creditworthiness. Qualified credit limit will be determined by certain underwriting criteria. For current rates, fees and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Cardholder benefits are subject to change without notice. Certain terms, conditions, limitations, and exclusions apply. Please see your Guide to Benefits for complete program details.

Signature Loans & Lines of CreditAPR* Rates as low as
Line of Credit8.99%
Share Certificate Secured Loan2% over Certificate Rate or Share Secured Rate,
whichever is highest
Share Secured Loan4.25%
Signature Loan7.49%
*APR = Annual Percentage Rate. The APR is current as of 10/01/2021. 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 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.
Signature Loans & Lines of CreditAPR* Rates as low as
Line of Credit8.99%
Share Certificate Secured Loan2% over Certificate Rate or Share Secured Rate,
whichever is highest
Share Secured Loan4.25%
Signature Loan7.49%
*APR = Annual Percentage Rate. The APR is current as of 10/01/2021. 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 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.

**APR = Annual Percentage Rate. The APR is current as of [10/01/2021]. Rates are subject to change without notice. Your rate on signature loans may vary from the rates above and will be determined by your credit history. MC Federal Credit Union membership is required. Signature Loans and Line of Credits available up to $20,000. Share Secured and Share Certificate (CD) Secured Loans available up to Secured Share Balance.

Home Equity Loan-Principal ResidenceAPR*
Fixed Term80% Loan to Value
36 months2.99%
60 months3.79%
84 months4.49%
120 months4.79%
180 months5.29%
240 months5.99%
*APR = Annual Percentage Rate. LTV=Loan to Value. The APR is current as of 07/01/2022. Your rate on home equity loans 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. 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.
Home Equity Loan-Principal ResidenceAPR*
Fixed Term80% Loan to Value
36 months2.99%
60 months3.79%
84 months4.49%
120 months4.79%
180 months5.29%
240 months5.99%
*APR = Annual Percentage Rate. LTV=Loan to Value. The APR is current as of 07/01/2022. Your rate on home equity loans 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. 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 CreditAPR*
Prime Rate5.50%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 5.00%
*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 08/01/2022. 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.
FlexChoice Home Equity Line of CreditAPR*
Prime Rate5.50%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 5.00%
*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 08/01/2022. 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.

**APR = Annual Percentage Rate. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. The APR is current as of [05/16/2022]. Rates are subject to change without notice. This rate varies based on Prime Rate published in the Wall Street Journal. Your rate on home equity loans may vary from the rates above and will be determined by your credit history, term and property value. Other fees may apply. MC Federal Credit Union membership is required.

Student LoansMaximum RateMinimum Rate
Variable Interest Loan9.37%2.25%
Fixed Interest Loan11.85%5.74%
Student LoansMaximum RateMinimum Rate
Variable Interest Loan9.37%2.25%
Fixed Interest Loan11.85%5.74%

*Some restrictions may apply. Student loans are not done in house at MC Federal. Find more terms and conditions at www.salliemae.com.

Declared DividendsAPY*Rate
Account Type
Share (Savings)0.10%0.10%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Account may be subject to transaction limitations. MC Federal Credit Union membership is required.
Declared DividendsAPY*Rate
Account Type
Share (Savings)0.10%0.10%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Account may be subject to transaction limitations. MC Federal Credit Union membership is required.
Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.01%0.01%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 DividendsAPYRate
Account Type
Share Draft (Checking)0.01%0.01%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 DividendsAPY*Rate
Account Type
Christmas Club0.010%0.010%
All-Purpose Club0.010%0.010%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 DividendsAPY*Rate
Account Type
Christmas Club0.010%0.010%
All-Purpose Club0.010%0.010%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 Monthly DividendsAPY*Rate
Health Savings Account (HSA)0.10%0.10%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 09/01/2022. 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 DividendsAPY*Rate
Health Savings Account (HSA)0.10%0.10%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 09/01/2022. 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.

*APY = Annual Percentage Yield. IRA = Individual Retirement Account. HSA = Health Savings Account. 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.

Regular Share CertificatesGeneral MembershipSpecial Relationship
$500-$49,999APY*RateAPY*Rate
6 Months0.20%0.200%0.30%0.300%
12 Months0.30%0.300%0.40%0.400%
15 Months1.65%1.640%1.75%1.740%
18 months1.75%1.739%1.85%1.839%
24 Months0.45%0.449%0.55%0.549%
36 Months0.65%0.648%0.75%0.748%
48 Months0.70%0.698%0.80%0.798%
60 Months0.80%0.798%0.90%0.898%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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 CertificatesGeneral MembershipSpecial Relationship
$50,000 and OverAPY*RateAPY*Rate
6 Months0.30%0.300%0.40%0.400%
12 Months0.40%0.400%0.50%0.500%
15 Months1.75%1.740%1.85%1.840%
18 Months1.85%1.839%1.95%1.939%
24 Months0.55%0.549%0.65%0.649%
36 Months0.75%0.748%0.85%0.848%
48 Months0.80%0.798%0.90%0.898%
60 Months0.90%0.898%1.00%0.998%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. 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.
IRA CertificatesGeneral MembershipSpecial Relationship
Traditional, Roth, & Coverdell
$500-$49,999
APY*RateAPY*Rate
6 Months0.30%0.300%0.40%0.400%
12 Months0.40%0.399%0.50%0.499%
15 Months1.65%1.640%1.75%1.740%
18 Months1.75%1.739%1.85%1.839%
24 Months0.55%0.549%0.65%0.649%
36 Months0.75%0.748%0.85%0.848%
48 Months0.80%0.798%0.90%0.898%
60 Months0.90%0.897%1.00%0.997%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 09/01/2022. 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 CertificatesGeneral MembershipSpecial Relationship
Traditional, Roth, and Coverdell
$50,000 and Over
APY*RateAPY*Rate
6 Months0.40%0.400%0.50%0.500%
12 Months0.50%0.499%0.60%0.599%
15 Months1.75%1.740%1.85%1.840%
18 Months1.85%1.839%1.95%1.939%
24 Months0.65%0.649%0.75%0.749%
36 Months0.85%0.848%0.95%0.948%
48 Months0.90%0.898%1.00%0.998%
60 Months1.00%0.997%1.10%1.097%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 09/01/2022. 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.

*APY = Annual Percentage Yield. IRA = Individual Retirement Account. HSA = Health Savings Account. 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 DIVIDENDSAPY*
IRA Variable0.10%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 09/01/2022. 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.

*APY = Annual Percentage Yield. IRA = Individual Retirement Account. HSA = Health Savings Account. 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 AccountsAPY*Rate
Dividends Posted Monthly
$1,000-$19,9990.35%0..349%
$20,000-$49,9990.55%0.549%
$50,000-$99,9990.75%0.747%
$100,000 or more1.00%0.995%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Account may be subject to transaction limitations. MC Federal Credit Union membership is required.
Money Market AccountsAPY*Rate
Dividends Posted Monthly
$1,000-$19,9990.35%0..349%
$20,000-$49,9990.55%0.549%
$50,000-$99,9990.75%0.747%
$100,000 or more1.00%0.995%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Account may be subject to transaction limitations. MC Federal Credit Union membership is required.
Platinum Money Market (Min. $50k)APY*Rate
Dividends Posted Monthly0.75%0.747%
*APY = Annual Percentage Yield. Rates current as of 09/01/2022. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Account may be subject to transaction limitations. MC Federal Credit Union membership is required.

*APY = Annual Percentage Yield. IRA = Individual Retirement Account. HSA = Health Savings Account. 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.

***All loan rates provided are “as low as”.