Rates
| Vehicle Loan Rates | Types | APR* | AutoPay APR* |
|---|---|---|---|
| On the Spot Financing is Available | Rates as low as | Rates as low as | |
| Vehicles and Demos | New | 2.99% | 2.74% |
| Used | 3.99% | 3.74% | |
| RVs/Campers/ Travel Trailers | New | 6.19% | 5.94% |
| Used | 6.69% | 6.44% | |
| Motorcycles/ATVs/Boats | New | 3.49% | 3.24% |
| Used | 4.29% | 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!
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| Credit Cards | APR* Rates as low as: |
|---|---|
| MC Federal Visa Platinum | 10.24% |
| MC Federal Premium Rewards Visa | 12.24% |
| MC Federal Architect Visa | 17.24% |
| MC Federal Cache Visa | 10.24% |
| MC Federal Visa Signature | 13.24% |
| MC Federal Platinum Business | 12.24% |
| *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 Credit | APR* Rates as low as |
|---|---|
| Line of Credit | 8.99% |
| Share Certificate Secured Loan | 2% over Certificate Rate or Share Secured Rate, whichever is highest |
| Share Secured Loan | 4.25% |
| Signature Loan | 7.49% |
| *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. | |
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| Home Equity Loan-Principal Residence | APR* |
|---|---|
| Fixed Term | 80% Loan to Value |
| 36 months | 2.99% |
| 60 months | 3.79% |
| 84 months | 4.49% |
| 120 months | 4.79% |
| 180 months | 5.29% |
| 240 months | 5.99% |
| *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 Credit | APR* |
|---|---|
| Prime Rate | 5.50% |
| 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.Â
| Declared Dividends | APY* | 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. | ||
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| Declared Dividends | APY | Rate |
|---|---|---|
| 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 Dividends | APY* | Rate |
|---|---|---|
| Account Type | ||
| Christmas Club | 0.010% | 0.010% |
| All-Purpose Club | 0.010% | 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 Accounts | APY* | Rate |
|---|---|---|
| Dividends Posted Monthly | ||
| $1,000-$19,999 | 0.35% | 0..349% |
| $20,000-$49,999 | 0.55% | 0.549% |
| $50,000-$99,999 | 0.75% | 0.747% |
| $100,000 or more | 1.00% | 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 Monthly | 0.75% | 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 Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $500-$49,999 | APY* | Rate | APY* | Rate |
| 6 Months | 0.20% | 0.200% | 0.30% | 0.300% |
| 12 Months | 0.30% | 0.300% | 0.40% | 0.400% |
| 15 Months | 1.65% | 1.640% | 1.75% | 1.740% |
| 18 months | 1.75% | 1.739% | 1.85% | 1.839% |
| 24 Months | 0.45% | 0.449% | 0.55% | 0.549% |
| 36 Months | 0.65% | 0.648% | 0.75% | 0.748% |
| 48 Months | 0.70% | 0.698% | 0.80% | 0.798% |
| 60 Months | 0.80% | 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 Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $50,000 and Over | APY* | Rate | APY* | Rate |
| 6 Months | 0.30% | 0.300% | 0.40% | 0.400% |
| 12 Months | 0.40% | 0.400% | 0.50% | 0.500% |
| 15 Months | 1.75% | 1.740% | 1.85% | 1.840% |
| 18 Months | 1.85% | 1.839% | 1.95% | 1.939% |
| 24 Months | 0.55% | 0.549% | 0.65% | 0.649% |
| 36 Months | 0.75% | 0.748% | 0.85% | 0.848% |
| 48 Months | 0.80% | 0.798% | 0.90% | 0.898% |
| 60 Months | 0.90% | 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. | ||||
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| DECLARED MONTHLY DIVIDENDS | APY* |
|---|---|
| IRA Variable | 0.10% |
| *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 Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| Traditional, Roth, & Coverdell $500-$49,999 | APY* | Rate | APY* | Rate |
| 6 Months | 0.30% | 0.300% | 0.40% | 0.400% |
| 12 Months | 0.40% | 0.399% | 0.50% | 0.499% |
| 15 Months | 1.65% | 1.640% | 1.75% | 1.740% |
| 18 Months | 1.75% | 1.739% | 1.85% | 1.839% |
| 24 Months | 0.55% | 0.549% | 0.65% | 0.649% |
| 36 Months | 0.75% | 0.748% | 0.85% | 0.848% |
| 48 Months | 0.80% | 0.798% | 0.90% | 0.898% |
| 60 Months | 0.90% | 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 Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| Traditional, Roth, and Coverdell $50,000 and Over | APY* | Rate | APY* | Rate |
| 6 Months | 0.40% | 0.400% | 0.50% | 0.500% |
| 12 Months | 0.50% | 0.499% | 0.60% | 0.599% |
| 15 Months | 1.75% | 1.740% | 1.85% | 1.840% |
| 18 Months | 1.85% | 1.839% | 1.95% | 1.939% |
| 24 Months | 0.65% | 0.649% | 0.75% | 0.749% |
| 36 Months | 0.85% | 0.848% | 0.95% | 0.948% |
| 48 Months | 0.90% | 0.898% | 1.00% | 0.998% |
| 60 Months | 1.00% | 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. | ||||
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| Declared Monthly Dividends | APY* | 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 Certificates | General Membership | Special Relationships | ||
|---|---|---|---|---|
| $500-$49,999 | APY* | Rate | APY* | Rate |
| 6 Months | 0.30% | 0.300% | 0.40% | 0.400% |
| 12 Months | 0.40% | 0.399% | 0.50% | 0.499% |
| 15 Months | 1.65% | 1.640% | 1.75% | 1.7340% |
| 18 Months | 1.75% | 1.739% | 1.85% | 1.839% |
| 24 Months | 0.55% | 0.549% | 0.65% | 0.649% |
| 36 Months | 0.75% | 0.748% | 0.85% | 0.848% |
| 48 Months | 0.80% | 0.798% | 0.90% | 0.898% |
| 60 Months | 0.90% | 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 Membership | Special Relationship | ||
|---|---|---|---|---|
| $50,000 and Over | APY* | Rate | APY* | Rate |
| 6 Months | 0.40% | 0.400% | 0.50% | 0.500% |
| 12 Months | 0.50% | 0.499% | 0.60% | 0.599% |
| 15 Months | 1.75% | 1.740% | 1.85% | 1.840% |
| 18 Months | 1.85% | 1.839% | 1.95% | 1.939% |
| 24 Months | 0.65% | 0.649% | 0.75% | 0.749% |
| 36 Months | 0.85% | 0.848% | 0.95% | 0.948% |
| 48 Months | 0.90% | 0.898% | 1.00% | 0.998% |
| 60 Months | 1.00% | 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 Rates | Types | APR* | AutoPay APR* |
|---|---|---|---|
| On the Spot Financing is Available | Rates as low as | Rates as low as | |
| Vehicles and Demos | New | 2.99% | 2.74% |
| Used | 3.99% | 3.74% | |
| RVs/Campers/ Travel Trailers | New | 6.19% | 5.94% |
| Used | 6.69% | 6.44% | |
| Motorcycles/ATVs/Boats | New | 3.49% | 3.24% |
| Used | 4.29% | 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 Rates | Types | APR* | AutoPay APR* |
|---|---|---|---|
| On the Spot Financing is Available | Rates as low as | Rates as low as | |
| Vehicles and Demos | New | 2.99% | 2.74% |
| Used | 3.99% | 3.74% | |
| RVs/Campers/ Travel Trailers | New | 6.19% | 5.94% |
| Used | 6.69% | 6.44% | |
| Motorcycles/ATVs/Boats | New | 3.49% | 3.24% |
| Used | 4.29% | 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!
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**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 Cards | APR* Rates as low as: |
|---|---|
| MC Federal Visa Platinum | 10.24% |
| MC Federal Premium Rewards Visa | 12.24% |
| MC Federal Architect Visa | 17.24% |
| MC Federal Cache Visa | 10.24% |
| MC Federal Visa Signature | 13.24% |
| MC Federal Platinum Business | 12.24% |
| *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 Cards | APR* Rates as low as: |
|---|---|
| MC Federal Visa Platinum | 10.24% |
| MC Federal Premium Rewards Visa | 12.24% |
| MC Federal Architect Visa | 17.24% |
| MC Federal Cache Visa | 10.24% |
| MC Federal Visa Signature | 13.24% |
| MC Federal Platinum Business | 12.24% |
| *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 Credit | APR* Rates as low as |
|---|---|
| Line of Credit | 8.99% |
| Share Certificate Secured Loan | 2% over Certificate Rate or Share Secured Rate, whichever is highest |
| Share Secured Loan | 4.25% |
| Signature Loan | 7.49% |
| *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 Credit | APR* Rates as low as |
|---|---|
| Line of Credit | 8.99% |
| Share Certificate Secured Loan | 2% over Certificate Rate or Share Secured Rate, whichever is highest |
| Share Secured Loan | 4.25% |
| Signature Loan | 7.49% |
| *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 Residence | APR* |
|---|---|
| Fixed Term | 80% Loan to Value |
| 36 months | 2.99% |
| 60 months | 3.79% |
| 84 months | 4.49% |
| 120 months | 4.79% |
| 180 months | 5.29% |
| 240 months | 5.99% |
| *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 Residence | APR* |
|---|---|
| Fixed Term | 80% Loan to Value |
| 36 months | 2.99% |
| 60 months | 3.79% |
| 84 months | 4.49% |
| 120 months | 4.79% |
| 180 months | 5.29% |
| 240 months | 5.99% |
| *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 Credit | APR* |
|---|---|
| Prime Rate | 5.50% |
| 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 Credit | APR* |
|---|---|
| Prime Rate | 5.50% |
| 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 Loans | Maximum Rate | Minimum Rate |
|---|---|---|
| Variable Interest Loan | 9.37% | 2.25% |
| Fixed Interest Loan | 11.85% | 5.74% |
| Student Loans | Maximum Rate | Minimum Rate |
|---|---|---|
| Variable Interest Loan | 9.37% | 2.25% |
| Fixed Interest Loan | 11.85% | 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 Dividends | APY* | 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 Dividends | APY* | 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 Dividends | APY | Rate |
|---|---|---|
| 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 Dividends | APY | Rate |
|---|---|---|
| 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 Dividends | APY* | Rate |
|---|---|---|
| Account Type | ||
| Christmas Club | 0.010% | 0.010% |
| All-Purpose Club | 0.010% | 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 Dividends | APY* | Rate |
|---|---|---|
| Account Type | ||
| Christmas Club | 0.010% | 0.010% |
| All-Purpose Club | 0.010% | 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 Dividends | APY* | 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 Dividends | APY* | 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 Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $500-$49,999 | APY* | Rate | APY* | Rate |
| 6 Months | 0.20% | 0.200% | 0.30% | 0.300% |
| 12 Months | 0.30% | 0.300% | 0.40% | 0.400% |
| 15 Months | 1.65% | 1.640% | 1.75% | 1.740% |
| 18 months | 1.75% | 1.739% | 1.85% | 1.839% |
| 24 Months | 0.45% | 0.449% | 0.55% | 0.549% |
| 36 Months | 0.65% | 0.648% | 0.75% | 0.748% |
| 48 Months | 0.70% | 0.698% | 0.80% | 0.798% |
| 60 Months | 0.80% | 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 Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| $50,000 and Over | APY* | Rate | APY* | Rate |
| 6 Months | 0.30% | 0.300% | 0.40% | 0.400% |
| 12 Months | 0.40% | 0.400% | 0.50% | 0.500% |
| 15 Months | 1.75% | 1.740% | 1.85% | 1.840% |
| 18 Months | 1.85% | 1.839% | 1.95% | 1.939% |
| 24 Months | 0.55% | 0.549% | 0.65% | 0.649% |
| 36 Months | 0.75% | 0.748% | 0.85% | 0.848% |
| 48 Months | 0.80% | 0.798% | 0.90% | 0.898% |
| 60 Months | 0.90% | 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 Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| Traditional, Roth, & Coverdell $500-$49,999 | APY* | Rate | APY* | Rate |
| 6 Months | 0.30% | 0.300% | 0.40% | 0.400% |
| 12 Months | 0.40% | 0.399% | 0.50% | 0.499% |
| 15 Months | 1.65% | 1.640% | 1.75% | 1.740% |
| 18 Months | 1.75% | 1.739% | 1.85% | 1.839% |
| 24 Months | 0.55% | 0.549% | 0.65% | 0.649% |
| 36 Months | 0.75% | 0.748% | 0.85% | 0.848% |
| 48 Months | 0.80% | 0.798% | 0.90% | 0.898% |
| 60 Months | 0.90% | 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 Certificates | General Membership | Special Relationship | ||
|---|---|---|---|---|
| Traditional, Roth, and Coverdell $50,000 and Over | APY* | Rate | APY* | Rate |
| 6 Months | 0.40% | 0.400% | 0.50% | 0.500% |
| 12 Months | 0.50% | 0.499% | 0.60% | 0.599% |
| 15 Months | 1.75% | 1.740% | 1.85% | 1.840% |
| 18 Months | 1.85% | 1.839% | 1.95% | 1.939% |
| 24 Months | 0.65% | 0.649% | 0.75% | 0.749% |
| 36 Months | 0.85% | 0.848% | 0.95% | 0.948% |
| 48 Months | 0.90% | 0.898% | 1.00% | 0.998% |
| 60 Months | 1.00% | 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 DIVIDENDS | APY* |
|---|---|
| IRA Variable | 0.10% |
| *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 Accounts | APY* | Rate |
|---|---|---|
| Dividends Posted Monthly | ||
| $1,000-$19,999 | 0.35% | 0..349% |
| $20,000-$49,999 | 0.55% | 0.549% |
| $50,000-$99,999 | 0.75% | 0.747% |
| $100,000 or more | 1.00% | 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 Accounts | APY* | Rate |
|---|---|---|
| Dividends Posted Monthly | ||
| $1,000-$19,999 | 0.35% | 0..349% |
| $20,000-$49,999 | 0.55% | 0.549% |
| $50,000-$99,999 | 0.75% | 0.747% |
| $100,000 or more | 1.00% | 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 Monthly | 0.75% | 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”.
