Click on the product category below to see the rates. Please note that our rates are subject to change without notice. Please call the Credit Union at 800.940.9466 for current rates.
Savings
Learn about our deposit insurance.
Savings Rates*
| Type | APY | Dividend Rate |
|---|---|---|
| Kasasa Saver (up to $50,000) | 1.26% | 1.25% |
| Basic Savings Account | 0.20% | 0.20% |
| Generation Now Account (first $1,000 in Share Account) | 0.30% | 0.30% |
| IRA Share Account | 0.30% | 0.30% |
| Holiday Club Account | 0.20% | 0.20% |
| Vacation Club Account | 0.20% | 0.20% |
| Home Heating Club Account** | 0.25% | 0.25% |
Please note: In order to earn the Generation Now Account rate, you must complete and turn in the Generation Now Account Opt-In Form. Learn more about the benefits of our Generation Now Accounts.
*APY = Annual Percentage Yield. $5 minimum deposit to open. $25 minimum deposit to earn stated dividend rate/yield. Rates are subject to change at any time. Fees or penalties (if any) could reduce earnings.
**Maximum balance for stated rate is $3,000. If account balance becomes higher than $3,000, the stated rate will only be paid on balances up to $3,000. Disbursement must be in person or in writing.
Money Market Plus Account Rates*
| Tier | APY | Dividend Rate |
|---|---|---|
| Money Market Plus Tier 1 (Min. Balance $2,000) | 2.43% | 2.40% |
| Money Market Plus Tier 2 (Min. Balance $25,000) | 2.69% | 2.65% |
| Money Market Plus Tier 3 (Min. Balance $75,000) | 2.94% | 2.90% |
| Money Market Plus Tier 4 (Min. Balance $125,000) | 3.30% | 3.25% |
*APY = Annual Percentage Yield. $100 minimum deposit to open. Minimum deposit as stated above to earn stated dividend rate/yield. Rates are subject to change at any time. Fees or penalties (if any) could reduce earnings. You earn the stated dividend rate on your entire balance. For example, if you deposit $50,000, you will earn the Tier 2 Dividend Rate on the entire balance.
Share/Checking Rates Effective 11/08/2023
Share Certificates
| Type | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.56% | 3.50% |
| 6 Month | 3.82% | 3.75% |
| 12 Month | 4.08% | 4.00% |
| 18 Month | 4.18% | 4.10% |
| 24 Month | 4.34% | 4.25% |
| 36 Month | 4.50% | 4.40% |
| 48 Month | 4.55% | 4.45% |
| 60+ Month | 4.71% | 4.60% |
*APY = Annual Percentage Yield. $500 minimum deposit to open and to earn stated dividend rate/yield. Rates are subject to change at any time. Fees or penalties (if any) could reduce earnings. An early withdrawal penalty may apply if you close the Share Certificate prior to the maturity date.
Jumbo Share Certificate Rates*
| Type | APY | Dividend Rate |
|---|---|---|
| 24 Month (jumbo) | 4.45% | 4.35% |
| 36 Month (jumbo) | 4.60% | 4.50% |
| 48 Month (jumbo) | 4.65% | 4.55% |
| 60+ Month (jumbo) | 4.81% | 4.70% |
*APY = Annual Percentage Yield. $50,000 minimum deposit to open and to earn stated dividend rate/yield. Rates are subject to change at any time. Fees or penalties (if any) could reduce earnings. An early withdrawal penalty may apply if you close the Share Certificate prior to the maturity date.
Share/Checking Rates Effective 11/08/2023
Checking
Checking Rates*
| Type | APY | Dividend Rate |
|---|---|---|
| Basic Checking* | 0.00% | 0.00% |
| Kasasa Cash (up to $10,000) | 2.52% | 2.50% |
*APY = Annual Percentage Yield. No minimum deposit to open. $500 minimum deposit to earn stated dividend rate/yield. Rates are subject to change at any time. All of our checking accounts are free. There are no monthly maintenance fees, per-check charges.
Premium Checking Rates*
| Tier | APY | Dividend Rate |
|---|---|---|
| $0 - $4,999.99 (Tier 1) | 0.00% | 0.00% |
| $5,000.00 - $24,999.99 (Tier 2) | 1.46% | 1.45% |
| $25,000 - $74,999.99 (Tier 3) | 1.71% | 1.70% |
| $75,000 + (Tier 4) | 2.02% | 2.00% |
*APY = Annual Percentage Yield. No minimum deposit to open. $5,000 average daily balance required to avoid service fees and to earn stated dividend rate/yield. Rates are subject to change at any time. Fees or penalties (if any) could reduce earnings. You earn the stated dividend rate on your entire balance. For example, if you deposit $50,000, you will earn the Tier 3 Dividend Rate on the entire balance.
Share/Checking Rates Effective 04/10/2023
Home Loans
Mortgage Loan Rates
Updated rates can be found here
Fast Track
| Term | Nominal Rate | APR | Payment per $1000 borrowed |
|---|---|---|---|
| 12 Years | 6.625% | 7.566% | $10.08 |
| 11 Years | 6.500% | 6.603% | $10.62 |
| 10 Years | 6.375% | 6.487% | $11.29 |
| 9 Years | 6.125% | 6.247% | $12.07 |
| 8 Years | 6.000% | 6.135% | $13.14 |
| 7 Years | 5.875% | 6.028% | $14.55 |
| 6 Years | 5.750% | 5.926% | $16.46 |
| 5 Years | 5.625% | 5.833% | $19.16 |
Home Equity Loan Rates*
| Nominal Rate | APR | Payment per $1000 borrowed |
|---|---|---|
| Fixed Rate - closed end | ||
| 0-5 Years (up to 80% loan to value) | 6.75% | $19.69 (5 yrs) |
| 6-10 Years (up to 80% loan to value) | 7.00% | $11.62 (10 yrs) |
| 11-15 Years (up to 80% loan to value) | 7.25% | $9.14 (15 yrs) |
| 16-20 years (up to 80% loan to value) | 7.50% | $8.06 (20 yrs) |
| Home Improvement Loan Rates | ||
| Up to 10 years* | 9.99% | $13.22 (10 yrs) |
*APR = Annual Percentage Rate. Payment example given is based upon the term specified. Payment amounts specified do not include amounts for taxes and insurance premiums.
Line of Credit (HELOC)*
| Term | APR | Payment per $1000 borrowed |
|---|---|---|
| Up to 80% Loan to Value | 8.25%** | Revolving |
*There are no fees to use your HELOC. Late fees may be imposed if you do not make at least one payment each calendar month. Rate displayed is variable, but will not exceed 18% APR. Rate is based upon the Prime Lending Rate as displayed in the Wall Street Journal on the last business day of the month.
**The interest rate is based on borrowing up to 80% of the value of your home. Your rate is the Prime Rate, as published in the Wall Street Journal on the last business day of the month, minus 0.25%. This is a variable rate loan.
Loan Rates Updated Daily
Vehicle Loans
Learn more about our vehicle loan options and the benefits of borrowing from MMFCU.
New and Used Auto Loan Rates
| Term | APR as low as* | Payment per $1000 borrowed |
|---|---|---|
| 2 Year Term* | 6.00% | $44.32 |
| 3 Year Term* | 6.20% | $30.51 |
| 4 Year Term* | 6.75% | $23.83 |
| 5 Year Term* | 7.00% | $19.80 |
| 6 Year Term* | 7.25% | $17.17 |
Click here for complete list of rates
Motorcycle/RV Loan Rates
| Term | APR as low as* | Payment per $1000 borrowed |
|---|---|---|
| 2 years* | 9.00% | $45.68 |
| 3 years* | 9.20% | $31.89 |
| 4 years* | 9.75% | $25.24 |
| 5 years* | 10.00% | $21.25 |
| 6 years* | 10.25% | $18.65 |
Click here for complete list of rates
*APR = Annual Percentage Rate. Rates displayed are our best rates; your rate may be higher. Rates displayed include a 0.25% discount for automatic payment from your MMFCU account. If you do not elect automatic payment, the APR will increase by 0.25%. We figure payment amounts off of the higher rate. Payment example given is based upon the term specified. Down payment may be required based upon your personal credit history. Payment amounts specified do not include amounts for taxes and insurance premiums.
*APY = Annual Percentage Yield. $5 minimum deposit to open. $25 minimum deposit to earn stated dividend rate/yield for savings. $100 minimum deposit to open, $2,000 to earn stated dividend rate/yield for Money Market. Rates are subject to change at any time and may change after account opening. Offer rate may be withdrawn at any time. Fees or penalties (if any) could reduce earnings.
Loan Rates Effective 01/05/2024
Personal Loans
Personal Loan Rates*
| Term | APR as low as* | Payment per $1000 borrowed |
|---|---|---|
| Up to 5 years* | 9.75% | $21.14 ($5,000 loan for five years.) |
*Rate displayed is our best rate and assumes automatic payment from your MMFCU account. If you elect to manually pay your personal loan, please add 0.25% to the displayed rate. Your rate may be different based upon your personal credit hitory.
Personal Line of Credit (PLOC) Rates*
| Term | Current APR | Payment per $1000 borrowed |
|---|---|---|
| No fixed term | as low as 9.00% | Variable - Payment is 3% of your balance |
*Rate displayed is our best rate and assumes automatic payment from your MMFCU account. If you elect to manually pay your PLOC, please add 1% to the displayed rate. Your rate may be different based upon your personal credit history. There are no fees to use your PLOC. Late fees may be imposed if you do not make at least one payment each calendar month. Rate displayed assumes automatic payment from your MMFCU account.
*APY = Annual Percentage Yield. $5 minimum deposit to open. $25 minimum deposit to earn stated dividend rate/yield for savings. $100 minimum deposit to open, $2,000 to earn stated dividend rate/yield for Money Market. Rates are subject to change at any time and may change after account opening. Offer rate may be withdrawn at any time. Fees or penalties (if any) could reduce earnings.
Share Secured Loan Rates
| 2.5 % above pledged share rate |
Loan Rates Effective 10/03/2022
Visa Credit Cards
Learn about our low rate Visa® Balance Transfer Special
Visa® Credit Card Rates
| Card Type | APR | Current APR |
|---|---|---|
| Platinum | as low as Prime +5.5% | 14.00% |
| as high as Prime +11% | 18.00% | |
| Rewards | as low as Prime +7.5% | 16.00% |
| as high as Prime +13% | 18.00% |
*There are no fees to use your Platinum Visa Card, including Balance Transfers. While Balance Transfers are allowed to a Visa Reward Card, reward points are not earned on Balance Transfers. Late fees may be imposed if you do not make your payment on time. Rate displayed is variable, but will not exceed 18% APR. Rate is based upon the Prime Lending Rate as displayed in the Wall Street Journal on the last business day of the month.
*APY = Annual Percentage Yield. $5 minimum deposit to open. $25 minimum deposit to earn stated dividend rate/yield for savings. $100 minimum deposit to open, $2,000 to earn stated dividend rate/yield for Money Market. Rates are subject to change at any time and may change after account opening. Offer rate may be withdrawn at any time. Fees or penalties (if any) could reduce earnings.
Loan Rates Effective 08/01/2023
Education Loans
Student Loan Rates
| Type | APR | Current APR |
|---|---|---|
| Tuition Aid | 8.74% | 8.74% |
| Private Student Loan | Prime +3.00% (7.00% floor; 18.00% ceiling) | 10.50% |
*APY = Annual Percentage Yield. $5 minimum deposit to open. $25 minimum deposit to earn stated dividend rate/yield for savings. $100 minimum deposit to open, $2,000 to earn stated dividend rate/yield for Money Market. Rates are subject to change at any time and may change after account opening. Offer rate may be withdrawn at any time. Fees or penalties (if any) could reduce earnings.
Loan Rates Effective 12/15/2022
