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*

TypeAPYDividend Rate
Kasasa Saver (up to $50,000)0.75%0.75%
Basic Savings Account0.15%0.15%
Generation Now Account (first $500 in Share Account)0.25%0.25%
IRA Share Account0.25%0.25%
Holiday Club Account0.20%0.20%
Vacation Club Account0.15%0.15%
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*

TierAPYDividend Rate
Money Market Plus Tier 1 (Min. Balance $2,000)0.30%0.30%
Money Market Plus Tier 2 (Min. Balance $25,000)0.35%0.35%
Money Market Plus Tier 3 (Min. Balance $75,000)0.45%0.45%
Money Market Plus Tier 4 (Min. Balance $125,000)0.55%0.55%

*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 Certificates

TypeAPYDividend Rate
3 Month0.45%0.45%
6 Month0.55%0.55%
12 Month0.60%0.60%
18 Month0.70%0.70%
24 Month0.90%0.90%
36 Month1.01%1.00%
48 Month1.11%1.10%
60+ Month1.31%1.30%

*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*

TypeAPYDividend Rate
24 Month (jumbo)1.01%1.00%
36 Month (jumbo)1.11%1.10%
48 Month (jumbo)1.21%1.20%
60+ Month (jumbo)1.41%1.40%

*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.

Checking

Checking Rates*

TypeAPYDividend Rate
Basic Checking*0.00%0.00%
Kasasa Cash (up to $10,000)1.50%1.50%

*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 spending accounts are free. There are no monthly maintenance fees, per-check charges.

Premium Checking Rates*

TierAPYDividend Rate
$0 - $4,999.99 (Tier 1)0.00%0.00%
$5,000.00 - $24,999.99 (Tier 2)0.25%0.25%
$25,000 - $74,999.99 (Tier 3)0.30%0.30%
$75,000 + (Tier 4)0.40%0.40%

*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 10/23/2020 

Home Loans

For details on our mortgages call 800.940.9466Phone Icon and ask for the Mortgage Department or email us.

Mortgage Loan Rates

The rates posted below are our best rates.

TermNominal RateAPRPayment per $1000 borrowed
Jumbo Mortgage Loan Rates
30 Year Fixed - Jumbo4.125%4.177%$4.85
15 Year Fixed - Jumbo3.500%3.560%$7.14
Fixed Rate Mortgages
30 Year Fixed - 0 Points3.375%3.423%$4.42
30 Year Fixed - 1 Point3.125%3.258%$4.28
30 Year Fixed - 2 Points2.875%3.208%$4.21
30 Year Fixed - High Balance3.625%3.672%$4.56
Flex 97 - 30 Year3.625%3.672%$4.56
20 Year Fixed - 0 Points3.125%3.193%$5.61
15 Year Fixed - 0 Points2.750%2.815%$6.78
15 Year Fixed - 1 Point2.500%2.708%$6.66
15 Year Fixed - 2 Points2.125%2.475%$6.49
15 Year Fixed - High Balance3.375%3.436%$7.08
Fast Track Mortgage Refinance
12 Years3.000%3.089%$8.28
11 Years2.875%2.970%$8.85
10 Years2.750%2.854%$9.55
9 Years2.625%2.740%$10.41
8 Years2.500%2.628%$11.51
7 Years2.375%2.520%$12.94
6 Years2.125%2.293%$14.81
5 Years2.000%2.200%$17.53
Adjustable Rate Mortgages
5/1 ARM - 1 Point3.125%3.173%$4.28
5/1 ARM - 2 Points2.750%3.128%$4.21
7/1 ARM - 1 Point3.250%3.128%$4.21
7/1 ARM - 2 Points2.875%3.128%$4.21
10/1 ARM - 1 Point3.500%3.547%$4.49
10/2 ARM - 2 Points3.125%3.258%$4.28

APR = Annual Percentage Rate

Fixed Rate First Mortgages: Payment example given is based upon the term specified. Minimum 5% down payment required. (3% down payment available, but income restrictions apply.) Payment amounts specified do not include amounts for taxes and insurance premiums.

Adjustable Rate Mortgages: APR and payment amount will change over the life of the loan. See the Credit Union for more details. Adjustable Rate Mortgages require the purchase of points. Payment example given is based upon a 30 year repayment. Minimum 5% down payment required. Payment amounts specified do not include amounts for taxes and insurance premiums.

Home Equity Loan Rates*

Nominal RateAPRPayment per $1000 borrowed
Fixed Rate - closed end
0-5 Years (up to 80% loan to value)3.50%$18.20 (5 yrs)
6-10 Years (up to 80% loan to value)3.75%$10.01 (10 yrs)
11-15 Years (up to 80% loan to value)4.00%$7.40 (15 yrs)
16-20 years (up to 80% loan to value)4.25%$6.20 (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)*

TermAPRPayment per $1000 borrowed
Up to 80% Loan to Value**3.000% (Prime - 1/4%, currently 3.250%)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.

Vehicle Loans

Learn more about our vehicle loan options and the benefits of borrowing from MMFCU.

New and Used Auto Loan Rates

TermAPR as low as*Payment per $1000 borrowed
2 Year Term*1.74%$42.43
3 Year Term*1.95%$28.62
4 Year Term*1.95%$21.67
5 Year Term*2.00%$17.53
6 Year Term*2.25%$14.86

Click Here To See All of Our New/Used Auto Loan Rates

Motorcycle/RV Loan Rates

TermAPR as low as*Payment per $1000 borrowed
2 years*4.74%$43.76
3 years*4.95%$29.95
4 years*4.95%$23.01
5 years*5.00%$18.87
6 years*5.69%$16.43

Click Here To See All of Our Motorcyle/RV Loan 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.

Personal Loans

Personal Loan Rates*

TermAPR 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*

TermCurrent APRPayment per $1000 borrowed
No fixed termas 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.

Share Secured Loan Rates

2.5 % above pledged share rate

Visa Credit Cards

Learn about our low rate Visa® Balance Transfer Special

Visa® Credit Card Rates

Card TypeAPRCurrent APR
Platinumas low as Prime +5.5%8.75%
as high as Prime +11%14.25%
Rewardsas low as Prime +7.5%10.75%
as high as Prime +13%16.25%

*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.

Education Loans

Student Loan Rates

TypeAPRCurrent APR
Tuition Aid8.74%8.74%
Private Student LoanPrime +3.00% (7.00% floor; 18.00% ceiling)7.00%

Loan Rates Effective 04/01/2020

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