Rates & Fees
Deposits
| Regular Shares, Vacation and Holiday Accounts | |||
|---|---|---|---|
| Minimum Balance | Minimum Deposit | Dividend Rate | APY |
| $5.00 | $5.00 | 0.04% | 0.04% |
| $5,000.00 | $5,000.00 | 0.08% | 0.08% |
| $50,000.00 | $50,000.00 | 0.12% | 0.12% |
| Checking Accounts | |||
|---|---|---|---|
| Minimum Balance | Minimum Deposit | Dividend Rate | APY |
| $0.00 | $0.00 | 0.00% | 0.00% |
| Matty's Money Club and Coogan Accounts | |||
|---|---|---|---|
| Minimum Balance | Minimum Deposit | Dividend Rate | APY |
| $5.00 | $5.00 | 0.04% | 0.04% |
| $500.00 | $500.00 | 0.08% | 0.08% |
| $5,000.00 | $5,000.00 | 0.12% | 0.12% |
| Money Market Accounts | |||
|---|---|---|---|
| Minimum Deposit | Minimum Balance | Dividend Rate | APY |
| $3,000.00 | $2,500.00 | 0.08% | 0.08% |
| $5,000.00 | $5,000.00 | 0.16% | 0.16% |
| $50,000.00 | $50,000.00 | 0.24% | 0.24% |
| Individual Retirement Accounts (Traditional and Roth) | |||
|---|---|---|---|
| Minimum Balance | Minimum Deposit | Dividend Rate | APY |
| $50.00 | $50.00 | 0.16% | 0.16% |
| $5,000.00 | $5,000.00 | 0.32% | 0.32% |
| $50,000.00 | $50,000.00 | 0.54% | 0.54% |
| Term Share Certificate Accounts | ||
|---|---|---|
| Minimum Balance $2,500.00 | Dividend Rate | APY |
| 6 Months | 1.00% | 1.00% |
| 12 Months | 1.25% | 1.26% |
| 24 Months | 1.50% | 1.51% |
| 36 Months | 1.75% | 1.76% |
| Minimum Balance $50,000.00 | Dividend Rate | APY |
| 6 Months | 1.25% | 1.26% |
| 12 Months | 1.50% | 1.51% |
| 24 Months | 1.75% | 1.76% |
| 36 Months | 2.00% | 2.02% |
| Minimum Balance $100,000.00 | Dividend Rate | APY |
| 6 Months | 1.50% | 1.51% |
| 12 Months | 1.75% | 1.76% |
| 24 Months | 2.00% | 2.02% |
| 36 Months | 2.25% | 2.27% |
| Jumbo Term Share Certificate Accounts | ||
|---|---|---|
| Minimum Balance $250,000.00 | Dividend Rate | APY |
| 6 Months | 2.00% | 2.02% |
| 12 Months | 2.25% | 2.27% |
| 24 Months | 2.50% | 2.53% |
| 36 Months | 2.75% | 2.78% |
| Flex Term Share Certificate Accounts | ||
|---|---|---|
| Minimum Balance $100,000.00 | Dividend Rate | APY |
| 12 Months with 2 Withdrawals | 1.25% | 1.26% |
| Minimum Balance $250,000.00 | Dividend Rate | APY |
| 12 Months with 2 Withdrawals | 1.75% | 1.76% |
| Share Certificate - Member Loyalty Rate Rewards | Add to APR |
|---|---|
| MFCU ATM/Debit Card | 0.05% |
| Payroll Deduction or Direct Deposit | 0.05% |
| Checking Account | 0.05% |
| Bill Pay | 0.05% |
| Mobile Banking & Mobile Check Deposit | 0.05% |
| Cumulative Loan Balance(s) >$10,000 | 0.05% |
| Cumulative Loan Balance(s) >$50,000 | 0.10% |
| Cumulative Share Account(s) Daily Average Balance for 90 days = >$100,000 | 0.10% |
| Cumulative Share Account(s) Daily Average Balance for 90 days = >$250,000 | 0.20% |
| Cumulative Share Account(s) Daily Average Balance for 90 days = >$500,000 | 0.30% |
Rates effective as of and subject to change.
NOTES: All rates are subject to change without prior notice. All rates are based on account balance. Accounts are insured at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. See "Your Insured Funds" booklet by the NCUA for additional coverage for multiple accounts. Primary Shares, Matty's Money, Coogan Accounts and Money Market Accounts are variable rate accounts and rates may change after the accounts are opened. Fees could reduce earnings on these accounts. A substantial penalty will or may be imposed for early withdrawal with a minimum of $100. Please contact the credit union for further details @ 310.252.4545.
