Deposit Rates
Effective Date: Thursday, February 9th, 2023
Account TypeAPYMinimum DepositMinimum Balance
REGULAR SHARES 0.050% $5.00 $500.00
HIGH YIELD SHARES 1.00% $2,500.00 $2,500.00
HIGH YIELD SHARES 1.35% N/A $20,000.00
HIGH YIELD SHARES 1.55% N/A $50,000.00
HIGH YIELD SHARES 1.85% N/A $75,000.00
CHRISTMAS CLUB 0.150% $1.00 $0.00
VACATION CLUB 0.050% $0.00 $0.00
IRA SHARES 0.100% $0.00 $0.00
ROTH IRA SHARE 0.100% $0.00 $0.00
CHECKING 0.000% $0.00 $0.00
High Interest Checking* 4% $0.00 $0.00
YOUTH SAVINGS ACCT 0.050% $0.00 $0.00
Fees may reduce earnings. Rate may change after the account is opened.

Certificate Rates
Effective Date: Thursday, February 9th, 2023
Certificate TermAPYMinimum Deposit
6 MONTH GOLDEN ACCT 3.75% $500.00
12 MONTH GOLDEN ACCT 3.90% $500.00
13 MONTH GOLDEN ACC 4.95% $500.00
18 MONTH GOLDEN CERT 4.75% $500.00
24 MONTH GOLDEN ACCT 3.95% $500.00
36 MO GOLDEN CD 2.95% $500.00
48 MO GOLDEN CD 3.00% $500.00
60 MO GOLDEN CD 3.50% $500.00
12 IRA CERTIFICATE 0.90% $500.00
36M IRA CERTIFICATE 1.20% $2,000.00
60 MONTH $25,000.00 3.50% $25,000.00
60 MONTH IRA CERT 3.50% $25,000.00
Penalty for early withdrawals.

Loan Rates
Effective Date: Thursday, February 9th, 2023
Loan TypeRates as low as-Stated in APRTerms/Information
New Vehicle/Motorcycle as low as 5.00% Check out our low rates!!
Used Vehicle/Motorcycle as low as 6.00% Refinance with MCCU today!
2015 or newer BOAT/RV as low as 6.25%  
Used Boat/RV as low as 7.25%  
Visa Card 8.490% as low as 8.49% - No Annual Fee
Revolving Loan as low as 7.49% Pay only $20 for every $1,000.00 you borrow!
Signature Loan as low as 9.00%  
Consumer Secured Loans as low as 6.00% ATV/Snow Mobile/etc..
Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, loan amount, term of loan and applicable prepaid items.

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