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Rates

We have a low minimum deposit on all our CDs and IRAs. Competitive rates on all of our Loans. Tiered Interest paid on all Shares.

Please check our rates below to compare.  Apply for a loan here!

Account Type
Min. Balance
APR*
Regular Share Savings 4
$5 minimum
.05 - .15%
Special Share Savings 4
No minimum
.05 - .15%
Christmas Club 4
 
No minimum
.05 - .15%
Money Market
$1,000
0.20% APY
Accumulative IRA
No minimum
0.25% APY
Share Draft/Checking
No minimum
.05%
Certificates - Share Term and IRA
APR
APY3
6 Months - Minimum deposit $1000
0.30%
0.30%
12 Months - Minimum deposit $1000
0.35%
0.35%
24 Months - Minimum deposit $1000
0.45%
0.45%
30 Months - Minimum deposit $1000
0.50%
0.50%
36 Months -Minimum deposit $1000
0.55%
0.55%
42 Months - Minimum deposit $1000
0.60%
0.60%
Loan Type
APR1
New Auto
1.99%
Used Auto
1.99%
Signature
Debt Consolidation Loan
7.00%
7.00%
Share-Secured
2% over dividend rate earned on shares
(variable)
Mastercard® Platinum Rewards Credit Card
7.9% - 16.9% determined by credit worthiness 
Motor Home NEW
3.29%
Motor Home USED
3.29%
Travel Trailer NEW
3.29%
Travel Trailer USED
3.29%
Airplane New
4.29%
Airplane Used
4.29%
Motorcycle NEW
2.79%
Motorcycle USED
2.79%
Boat NEW
3.29%
Boat USED
3.29%
Farm Equipment
Call credit union for rates
Share Term Certificate Secured
2.00%  Over dividend rate earned on certificate
Real Estate Loans
APR2
Home Equity (LOC-15yrs) 80%
4.00%
Home Equity (LOC-15yrs) 90%
5.00%
1st Mortgage 15 year balloon (30 year term)
2.500%
1st Mortgage 10 year balloon (30 year term)
2.250%
1st Mortgage (15yrs)
2.500%
1st Mortgage (20yrs)
2.990%
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Apply for a Car Loan

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Love to Ride?
Now thru June 30, 2021, we have loan rates as low as 2.79% APR* for 60 months, 3.49% APR for 72 months and 3.99% APR for 84 months.

Our motorcycle loans make it easy to get the bike you’ve always wanted. Finance with us and put your helmet on and get ready to hit the open road.

*Annual Percentage Rate. Loan rates vary – depending upon individual’s credit score and term. All loans are subject to credit approval. MCECU refinances do not apply. Restrictions may apply.  

 

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Planning for retirement has never been easier.