All of our branch locations, including the corporate office and call center, will be closed on Monday, January 21st to observe Martin Luther King, Jr. Day.
If you need to report a lost or stolen VISA Card when MCU is closed please call 1-866-333-4740.
Download our new mobile app, MEMCU Mobile for Android and MEMCU Mobile for iPhone. Login from your desktop here.

Rates

 

Accounts1 Dividend
Rate
Annual
Percentage Yield 2,3
Regular Savings Account Avg. Daily Balance $25 and up 0.15% 0.15% 1-800-951-8000
Regular/MyFi Checkig Avg. Daily Balance $25 and up 0.05% 0.05% 1-800-951-8000
Christmas/Vacation Club Avg. Daily Balance $25 and up 0.05% 0.05% 1-800-951-8000
Super 60 Savings Avg. Daily Balance $600.00 – $49,999 0.35% 0.35% 1-800-951-8000
Avg. Daily Balance $50,000 – $99,999 0.50% 0.50% 1-800-951-8000
Avg. Daily Balance $100,000 – $249,999 0.75% 0.75% 1-800-951-8000
Avg. Daily Balance $250,000 or more 0.95% 0.95% 1-800-951-8000
Money Market Account Avg. Daily Balance $500-$499.99 0.25% 0.25% 1-800-951-8000
Avg. Daily Balance $50,000 – $99,999 0.40% 0.40% 1-800-951-8000
Avg. Daily Balance $100,000 – $249,999 0.65% 0.65% 1-800-951-8000
Avg. Daily Balance $250,000 or more 0.85% 0.85% 1-800-951-8000
Trust/Custodian Accounts Avg. Daily Balance $25 and up 0.15% 0.15% 1-800-951-8000
Individual Retirement Account (Shares) Avg. Daily Balance $25 0.30% 0.30% 1-800-951-8000
1 Savings/Checking accounts require $25.00 to open.2 All share accounts earn 0.00% APY when average daily balance is below $25.00.3 Fees may reduce earnings.Adobe .pdf Version – Click Here
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Share Certificates Dividend
Rate
Annual
Percentage Yield 1
Minimum
Opening Deposit
6-Month Jumbo 1.05% 1.05% $50,000
6-Month 0.95% 0.95% $500
12-Month 1.35% 1.36% $2,000
18-Month 1.55% 1.56% $2,000
24-Month 1.80% 1.81% $2,000
36-Month 2.10% 2.12% $2,000
60-Month 2.60% 2.63% $2,000
1 Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days’ dividends earned. Adobe .pdf Version – Click Here
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IRA Certificates Dividend
Rate
Annual
Percentage
Yield
1
Minimum
Opening
Deposit
12-Month 1.35% 1.36% $2,000
24-Month 1.80% 1.81% $2,000
36-Month 2.10% 2.12% $2,000
60-Month 2.60% 2.63% $2,000
1 Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned.
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Fixed-Rate Loans1 Annual
Percentage
Rate
New/Used Automobile2 As low as 3.00% Apply Online
Debt Consolidation 10.95% Apply Online
Other or Stock Secured 4.50% 1-800-951-LOAN
1 Rate is fixed for term of loan.
2 Subject to qualifications.Adobe .pdf Version – Click HereGet Adobe Reader

Variable-Rate Loans
1

Annual
Percentage
Rate

Personal Line of Credit 12.75% Apply Online
Visa Credit Card 12.75% Apply Online
Savings or Certificate Secured 4.50% 1-800-951-LOAN
Equity Access Line of Credit (E2) 7.75% Apply Online
Visa Debit LOC (full) 12.75% 1-800-951-LOAN
1 Variable rate loans are subject to change and can increase or decrease after closing.
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Need Assistance?

Call 1 (800) 951-8000

Auto Loan
APR As Low As
3.00%

24-Month CD
Current APY
1.81%

36-Month CD
Current APY
2.12%

Super 60
Current APY Up To
0.95%