Rates

Rates

Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew5.69%5.44%
Used6.49%6.24%
RVs/Campers/ Travel TrailersNew7.39%7.14%
Used7.89%7.64%
Motorcycles/ATVs/BoatsNew5.99%5.74%
Used6.89%6.64%
*APR = Annual Percentage Rate. APR current as of 02/01/2023. 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 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* as low as:
MC Federal Visa Platinum12.24%
MC Federal Premium Rewards Visa14.24%
MC Federal Architect Visa18.00%
MC Federal Cache Visa12.24%
MC Federal Visa Signature15.24%
*APR = Annual Percentage Rate. Rates current as of 02/01/2023. The rates are variable and may change. Current rates range from 11.74% 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* as low as
Line of Credit12.99%
Share Certificate Secured Loan2% over Certificate Rate or Share Secured Rate,
whichever is highest
Share Secured Loan4.25%
Signature Loan9.99%
*APR = Annual Percentage Rate. The APR is current as of 02/01/2023. 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 months5.79%
60 months5.99%
84 months6.29%
120 months6.59%
180 months7.09%
240 months7.69%
*APR = Annual Percentage Rate. LTV=Loan to Value. The APR is current as of 02/01/2023. 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*
Line of Credit rates as low as Prime7.50%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 7.00%
*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 02/01/2023. 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 12/21/2022. 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 12/21/2022. 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
Club0.010%0.010%
*APY = Annual Percentage Yield. Rates current as of 12/21/2022. 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 12/21/2022. 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 12/21/2022. 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 Months0.55%0.549%0.65%0.649%
12 Months0.65%0.648%0.75%0.748%
15 Months3.75%3.698%3.85%3.798%
18 months3.50%3.455%3.60%3.555%
24 Months3.50%3.455%3.60%3.555%
36 Months3.75%3.698%3.85%3.798%
48 Months2.25%2.231%2.35%2.331%
60 Months1.15%1.145%1.25%1.245%
*APY = Annual Percentage Yield. Rates current as of 12/21/2022. 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 Months0.65%0.649%0.75%0.749%
12 Months0.75%0.748%0.85%0.848%
15 Months3.85%3.798%3.95%3.898%
18 Months3.60%3.555%3.70%3.655%
24 Months3.60%3.555%3.70%3.655%
36 Months3.85%3.798%3.95%3.898%
48 Months2.35%2.331%2.45%2.431%
60 Months1.25%1.245%1.35%1.345%
*APY = Annual Percentage Yield. Rates current as of 12/21/2022. 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 12/21/2022. 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 Months0.65%0.648%0.75%0.748%
12 Months0.75%0.748%0.85%0.848%
15 Months3.75%3.698%3.85%3.798%
18 Months3.50%3.455%3.60%3.555%
24 Months3.50%3.455%3.60%3.555%
36 Months3.75%3.698%3.85%3.798%
48 Months2.25%2.231%2.35%2.331%
60 Months1.15%1.145%1.25%1.245%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 12/21/2022. 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 Months0.75%0.748%0.85%0.848%
12 Months0.85%0.848%0.95%0.948%
15 Months3.85%3.798%3.95%3.898%
18 Months3.60%3.555%3.70%3.655%
24 Months3.60%3.555%3.70%3.655%
36 Months3.85%3.798%3.95%3.898%
48 Months2.35%2.331%2.45%2.431%
60 Months1.25%1.245%1.35%1.345%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 12/21/2022. 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 12/21/2022. 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 Months0.65%0.648%0.75%0.748%
12 Months0.75%0.748%0.85%0.848%
15 Months3.75%3.698%3.85%3.798%
18 Months3.50%3.455%3.60%3.555%
24 Months3.50%3.455%3.60%3.555%
36 Months3.75%3.698%3.85%3.798%
48 Months2.25%2.231%2.35%2.331%
60 Months1.15%1.145%1.25%1.245%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 12/21/2022. 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 Months0.75%0.748%0.85%0.848%
12 Months0.85%0.848%0.95%0.948%
15 Months3.85%3.798%3.95%3.898%
18 Months3.60%3.555%3.70%3.655%
24 Months3.60%3.555%3.70%3.655%
36 Months3.85%3.798%3.95%3.898%
48 Months2.35%2.331%2.45%2.431%
60 Months1.25%1.245%1.35%1.345%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 12/21/2022. 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 DemosNew5.69%5.44%
Used6.49%6.24%
RVs/Campers/ Travel TrailersNew7.39%7.14%
Used7.89%7.64%
Motorcycles/ATVs/BoatsNew5.99%5.74%
Used6.89%6.64%
*APR = Annual Percentage Rate. APR current as of 02/01/2023. 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 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 DemosNew5.69%5.44%
Used6.49%6.24%
RVs/Campers/ Travel TrailersNew7.39%7.14%
Used7.89%7.64%
Motorcycles/ATVs/BoatsNew5.99%5.74%
Used6.89%6.64%
*APR = Annual Percentage Rate. APR current as of 02/01/2023. 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 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* as low as:
MC Federal Visa Platinum12.24%
MC Federal Premium Rewards Visa14.24%
MC Federal Architect Visa18.00%
MC Federal Cache Visa12.24%
MC Federal Visa Signature15.24%
*APR = Annual Percentage Rate. Rates current as of 02/01/2023. The rates are variable and may change. Current rates range from 11.74% 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* as low as:
MC Federal Visa Platinum12.24%
MC Federal Premium Rewards Visa14.24%
MC Federal Architect Visa18.00%
MC Federal Cache Visa12.24%
MC Federal Visa Signature15.24%
*APR = Annual Percentage Rate. Rates current as of 02/01/2023. The rates are variable and may change. Current rates range from 11.74% 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* as low as
Line of Credit12.99%
Share Certificate Secured Loan2% over Certificate Rate or Share Secured Rate,
whichever is highest
Share Secured Loan4.25%
Signature Loan9.99%
*APR = Annual Percentage Rate. The APR is current as of 02/01/2023. 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* as low as
Line of Credit12.99%
Share Certificate Secured Loan2% over Certificate Rate or Share Secured Rate,
whichever is highest
Share Secured Loan4.25%
Signature Loan9.99%
*APR = Annual Percentage Rate. The APR is current as of 02/01/2023. 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 months5.79%
60 months5.99%
84 months6.29%
120 months6.59%
180 months7.09%
240 months7.69%
*APR = Annual Percentage Rate. LTV=Loan to Value. The APR is current as of 02/01/2023. 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 months5.79%
60 months5.99%
84 months6.29%
120 months6.59%
180 months7.09%
240 months7.69%
*APR = Annual Percentage Rate. LTV=Loan to Value. The APR is current as of 02/01/2023. 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*
Line of Credit rates as low as Prime7.50%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 7.00%
*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 02/01/2023. 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*
Line of Credit rates as low as Prime7.50%
The flexibility of a line of credit and the certainty of a home equity loan.Fixed rates “as low as” 7.00%
*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 02/01/2023. 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 12/21/2022. 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 12/21/2022. 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 12/21/2022. 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
Club0.010%0.010%
*APY = Annual Percentage Yield. Rates current as of 12/21/2022. 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
Club0.010%0.010%
*APY = Annual Percentage Yield. Rates current as of 12/21/2022. 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 12/21/2022. 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 12/21/2022. 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 12/21/2022. 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 Months0.55%0.549%0.65%0.649%
12 Months0.65%0.648%0.75%0.748%
15 Months3.75%3.698%3.85%3.798%
18 months3.50%3.455%3.60%3.555%
24 Months3.50%3.455%3.60%3.555%
36 Months3.75%3.698%3.85%3.798%
48 Months2.25%2.231%2.35%2.331%
60 Months1.15%1.145%1.25%1.245%
*APY = Annual Percentage Yield. Rates current as of 12/21/2022. 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 Months0.65%0.649%0.75%0.749%
12 Months0.75%0.748%0.85%0.848%
15 Months3.85%3.798%3.95%3.898%
18 Months3.60%3.555%3.70%3.655%
24 Months3.60%3.555%3.70%3.655%
36 Months3.85%3.798%3.95%3.898%
48 Months2.35%2.331%2.45%2.431%
60 Months1.25%1.245%1.35%1.345%
*APY = Annual Percentage Yield. Rates current as of 12/21/2022. 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 12/21/2022. 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 Months0.65%0.648%0.75%0.748%
12 Months0.75%0.748%0.85%0.848%
15 Months3.75%3.698%3.85%3.798%
18 Months3.50%3.455%3.60%3.555%
24 Months3.50%3.455%3.60%3.555%
36 Months3.75%3.698%3.85%3.798%
48 Months2.25%2.231%2.35%2.331%
60 Months1.15%1.145%1.25%1.245%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 12/21/2022. 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 Months0.75%0.748%0.85%0.848%
12 Months0.85%0.848%0.95%0.948%
15 Months3.85%3.798%3.95%3.898%
18 Months3.60%3.555%3.70%3.655%
24 Months3.60%3.555%3.70%3.655%
36 Months3.85%3.798%3.95%3.898%
48 Months2.35%2.331%2.45%2.431%
60 Months1.25%1.245%1.35%1.345%
*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Rates current as of 12/21/2022. 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 12/21/2022. 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 Months0.65%0.648%0.75%0.748%
12 Months0.75%0.748%0.85%0.848%
15 Months3.75%3.698%3.85%3.798%
18 Months3.50%3.455%3.60%3.555%
24 Months3.50%3.455%3.60%3.555%
36 Months3.75%3.698%3.85%3.798%
48 Months2.25%2.231%2.35%2.331%
60 Months1.15%1.145%1.25%1.245%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 12/21/2022. 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 Months0.75%0.748%0.85%0.848%
12 Months0.85%0.848%0.95%0.948%
15 Months3.85%3.798%3.95%3.898%
18 Months3.60%3.555%3.70%3.655%
24 Months3.60%3.555%3.70%3.655%
36 Months3.85%3.798%3.95%3.898%
48 Months2.35%2.331%2.45%2.431%
60 Months1.25%1.245%1.35%1.345%
*APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 12/21/2022. 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.