Rates

Rates

Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew1.99%1.74%
Used2.99%2.74%
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 [10/01/2021]. 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:
Visa Platinum7.99%
Visa Premium9.99%
Visa Architect14.99%
Visa Cache7.99%
Visa Signature10.99%
Visa Business9.99%

*APR = Annual Percentage Rate. Current rates range from 7.99% 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.

Personal and Secured LoansAnnual Percentage Rate
Rates as low as
Signature Loan7.49%
Line of Credit8.99%
Share Secured4.25%
Share Certificate (CD) Secured2% over Certificate Rate or Share Secured Rate–whichever is highest

**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 ResidenceAnnual Percentage Rate*
Fixed Term80% Loan to Value
36 months2.89%
60 months3.19%
84 months3.39%
120 months3.49%
180 months3.79%
240 months3.89%

FlexChoiceAPR*
WSJ Prime Rate3.25%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 2.89%

**APR = Annual Percentage Rate. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. The APR is current as of [10/01/2021]. 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%

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

Declared DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.10%0.10%

Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.01%0.01%

Declared Club Account DividendsA.P.Y***Rate
Account Type
Christmas Club0.010%0.010%
All-Purpose Club0.010%0.010%

Declared Monthly DividendsA.P.Y.*Rate
Health Savings Account (HSA)0.10%0.10%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Rates are subject to change at any time. Dividends are posted quarterly. Rates on share accounts are not guaranteed but are based on the earnings of the credit union and declared quarterly. Fees could reduce earnings. MC Federal Credit Union membership is required. 

Regular Share CertificatesA.P.Y*Rate
$500-$49,999
6 Months0.20%0.200%
12 Months0.30%0.300%
15 Months0.80%0.797%
18 months0.35%0.350%
24 Months0.45%0.449%
36 Months0.65%0.648%
48 Months0.70%0.698%
60 Months0.80%0.797%

Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
6 Months0.30%0.300%
12 Months0.40%0.399%
15 Months0.90%0.897%
18 Months0.45%0.449%
24 Months0.55%0.549%
36 Months0.75%0.748%
48 Months0.80%0.797%
60 Months0.90%0.897%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Minimum deposit $500.00. A penalty may be imposed if you withdraw from your account before the maturity day. The penalty schedule is as follows: Terms of 1 year or less 90 days dividends; Terms of greater than 1 year 180 days dividends. Dividends are posted monthly. MC Federal Credit Union membership is required. 

 A.P.Y*
IRA Variable0.10%

IRA CertificatesA.P.Y*RateMembers Advantage (A.P.Y*)Members Advantage (Rate)
$500-$49,999
Traditional, Roth, and Coverdell
6 Months0.30%0.300%0.40%0.399%
12 Months0.40%0.399%0.50%0.499%
15 Months0.90%0.897%1.00%0.996%
18 Months0.45%0.449%0.55%0.549%
24 Months0.55%0.549%0.65%0.648%
36 Months0.75%0.748%0.85%0.847%
48 Months0.80%0.797%0.90%0.897%
60 Months0.90%0.897%1.00%0.996%

Jumbo IRA CertificatesA.P.Y*Rate
$50,000 and Over
Traditional, Roth, and Coverdell
6 Months0.40%0.399%
12 Months0.50%0.499%
15 Months1.00%0.996%
18 Months0.55%0.549%
24 Months0.65%0.648%
36 Months0.85%0.847%
48 Months0.90%0.897%
60 Months1.00%0.996%

*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Minimum deposit $500.00. Variable IRA dividends posted monthly. Certificate IRA dividend posted quarterly. A penalty may be imposed if you withdraw from your account before the maturity day. The penalty schedule is as follows: Terms of 1 year or less 90 days dividends; Terms of greater than 1 year 180 days dividends. MC Federal Credit Union membership is required. 

Money Market AccountsA.P.Y*Rate
Dividends Posted Monthly
$1,000-$19,9990.25%0.250%
$20,000-$49,9990.25%0.250%
$50,000-$99,9990.35%0.350%
$100,000 or more0.40%0.399%

Platinum Money Market (Min. $50k)A.P.Y.*Rate
Dividends Posted Monthly0.75%0.748%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Minimum deposit $1,000.00. Rates are subject to change at any time. Dividends are posted monthly. Rates on share accounts are not guaranteed but are based on the earnings of the credit union and declared quarterly. 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 DemosNew1.99%1.74%
Used2.99%2.74%
RVs/Campers/ Travel TrailersNew6.19%5.94%
Used6.69%6.44%
Motorcycles/ATVs/BoatsNew3.49%3.24%
Used4.29%4.04%
Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew1.99%1.74%
Used2.99%2.74%
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 [10/01/2021]. 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:
Visa Platinum7.99%
Visa Premium9.99%
Visa Architect14.99%
Visa Cache7.99%
Visa Signature10.99%
Visa Business9.99%
Credit CardsAPR* Rates as low as:
Visa Platinum7.99%
Visa Premium9.99%
Visa Architect14.99%
Visa Cache7.99%
Visa Signature10.99%
Visa Business9.99%

*APR = Annual Percentage Rate. Current rates range from 7.99% 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.

Personal and Secured LoansAnnual Percentage Rate
Rates as low as
Signature Loan7.49%
Line of Credit8.99%
Share Secured4.25%
Share Certificate (CD) Secured2% over Certificate Rate or Share Secured Rate–whichever is highest
Personal and Secured LoansAnnual Percentage Rate
Rates as low as
Signature Loan7.49%
Line of Credit8.99%
Share Secured4.25%
Share Certificate (CD) Secured2% over Certificate Rate or Share Secured Rate–whichever is highest

**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 ResidenceAnnual Percentage Rate*
Fixed Term80% Loan to Value
36 months2.89%
60 months3.19%
84 months3.39%
120 months3.49%
180 months3.79%
240 months3.89%
Home Equity Loan-Principal ResidenceAnnual Percentage Rate*
Fixed Term80% Loan to Value
36 months2.89%
60 months3.19%
84 months3.39%
120 months3.49%
180 months3.79%
240 months3.89%
FlexChoiceAPR*
WSJ Prime Rate3.25%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 2.89%
FlexChoiceAPR*
WSJ Prime Rate3.25%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 2.89%

**APR = Annual Percentage Rate. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. The APR is current as of [10/01/2021]. 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 DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.10%0.10%
Declared DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.10%0.10%
Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.01%0.01%
Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.01%0.01%
Declared Club Account DividendsA.P.Y***Rate
Account Type
Christmas Club0.010%0.010%
All-Purpose Club0.010%0.010%
Declared Club Account DividendsA.P.Y***Rate
Account Type
Christmas Club0.010%0.010%
All-Purpose Club0.010%0.010%
Declared Monthly DividendsA.P.Y.*Rate
Health Savings Account (HSA)0.10%0.10%
Declared Monthly DividendsA.P.Y.*Rate
Health Savings Account (HSA)0.10%0.10%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Rates are subject to change at any time. Dividends are posted quarterly. Rates on share accounts are not guaranteed but are based on the earnings of the credit union and declared quarterly. Fees could reduce earnings. MC Federal Credit Union membership is required. 

Regular Share CertificatesA.P.Y*Rate
$500-$49,999
6 Months0.20%0.200%
12 Months0.30%0.300%
15 Months0.80%0.797%
18 months0.35%0.350%
24 Months0.45%0.449%
36 Months0.65%0.648%
48 Months0.70%0.698%
60 Months0.80%0.797%
Regular Share CertificatesA.P.Y*Rate
$500-$49,999
6 Months0.20%0.200%
12 Months0.30%0.300%
15 Months0.80%0.797%
18 months0.35%0.350%
24 Months0.45%0.449%
36 Months0.65%0.648%
48 Months0.70%0.698%
60 Months0.80%0.797%
Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
6 Months0.30%0.300%
12 Months0.40%0.399%
15 Months0.90%0.897%
18 Months0.45%0.449%
24 Months0.55%0.549%
36 Months0.75%0.748%
48 Months0.80%0.797%
60 Months0.90%0.897%
Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
6 Months0.30%0.300%
12 Months0.40%0.399%
15 Months0.90%0.897%
18 Months0.45%0.449%
24 Months0.55%0.549%
36 Months0.75%0.748%
48 Months0.80%0.797%
60 Months0.90%0.897%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Minimum deposit $500.00. A penalty may be imposed if you withdraw from your account before the maturity day. The penalty schedule is as follows: Terms of 1 year or less 90 days dividends; Terms of greater than 1 year 180 days dividends. Dividends are posted monthly. MC Federal Credit Union membership is required. 

 A.P.Y*
IRA Variable0.10%
IRA CertificatesA.P.Y*RateMembers Advantage (A.P.Y*)Members Advantage (Rate)
$500-$49,999
Traditional, Roth, and Coverdell
6 Months0.30%0.300%0.40%0.399%
12 Months0.40%0.399%0.50%0.499%
15 Months0.90%0.897%1.00%0.996%
18 Months0.45%0.449%0.55%0.549%
24 Months0.55%0.549%0.65%0.648%
36 Months0.75%0.748%0.85%0.847%
48 Months0.80%0.797%0.90%0.897%
60 Months0.90%0.897%1.00%0.996%
IRA CertificatesA.P.Y*RateMembers Advantage (A.P.Y*)Members Advantage (Rate)
$500-$49,999
Traditional, Roth, and Coverdell
6 Months0.30%0.300%0.40%0.399%
12 Months0.40%0.399%0.50%0.499%
15 Months0.90%0.897%1.00%0.996%
18 Months0.45%0.449%0.55%0.549%
24 Months0.55%0.549%0.65%0.648%
36 Months0.75%0.748%0.85%0.847%
48 Months0.80%0.797%0.90%0.897%
60 Months0.90%0.897%1.00%0.996%
Jumbo IRA CertificatesA.P.Y*Rate
$50,000 and Over
Traditional, Roth, and Coverdell
6 Months0.40%0.399%
12 Months0.50%0.499%
15 Months1.00%0.996%
18 Months0.55%0.549%
24 Months0.65%0.648%
36 Months0.85%0.847%
48 Months0.90%0.897%
60 Months1.00%0.996%
Jumbo IRA CertificatesA.P.Y*Rate
$50,000 and Over
Traditional, Roth, and Coverdell
6 Months0.40%0.399%
12 Months0.50%0.499%
15 Months1.00%0.996%
18 Months0.55%0.549%
24 Months0.65%0.648%
36 Months0.85%0.847%
48 Months0.90%0.897%
60 Months1.00%0.996%

*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Minimum deposit $500.00. Variable IRA dividends posted monthly. Certificate IRA dividend posted quarterly. A penalty may be imposed if you withdraw from your account before the maturity day. The penalty schedule is as follows: Terms of 1 year or less 90 days dividends; Terms of greater than 1 year 180 days dividends. MC Federal Credit Union membership is required. 

Money Market AccountsA.P.Y*Rate
Dividends Posted Monthly
$1,000-$19,9990.25%0.250%
$20,000-$49,9990.25%0.250%
$50,000-$99,9990.35%0.350%
$100,000 or more0.40%0.399%
Money Market AccountsA.P.Y*Rate
Dividends Posted Monthly
$1,000-$19,9990.25%0.250%
$20,000-$49,9990.25%0.250%
$50,000-$99,9990.35%0.350%
$100,000 or more0.40%0.399%
Platinum Money Market (Min. $50k)A.P.Y.*Rate
Dividends Posted Monthly0.75%0.748%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Minimum deposit $1,000.00. Rates are subject to change at any time. Dividends are posted monthly. Rates on share accounts are not guaranteed but are based on the earnings of the credit union and declared quarterly. MC Federal Credit Union membership is required. 

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