Rates

Share/Savings Rates

Rates Effective: February 01, 2024

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Checking Rates

Rates Effective: February 01, 2024

**Special Note About MSCU Checking Account Holiday Special: MSCU's checking account Holiday Special is a Tiered Rate account. If you meet all of the basic service requirements during the calendar month, the applicable Dividend Rates and Annual Percentage Yields listed above will apply. The basic service requirements include: i)you make twenty (20) non-pin-based debit card transactions that post to and clear your MSCU checking account during the calendar month; ii) you receive eStatements and eNotices (must have enrolled and accepted the disclosure); iii) you have ACH deposits totaling at least $500.00 post and clear your MSCU checking account each month. Speak with a representative for more details.

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Money Market Rates

Rates Effective: February 01, 2024

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

HSA Rates

Rates Effective: February 01, 2024

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

IRA Rates

Rates Effective: February 01, 2024

*APY = Annual Percentage Yield. Rates are variable and subject to change without notice after account is opened. Fees can reduce earnings. Federally insured by NCUA.

Save to Win Share Certificates

Rates Effective: February 01, 2024

Official Rules | Disclosure | *APY = Annual Percentage Yield. Certificate rates are subject to change without notice. Penalty for early withdrawal.

Share Certificate Rates

Rates Effective: February 01, 2024

11 Month Special .
Dividend Rate* 4.90%
APY* 5.01%
Min. Deposit to Open $1000.00

*APY = Annual Percentage Yield. Certificates rates are subject to change without notice. Penalty for early withdrawal. Federally insured by NCUA.

IRA Certificate Rates

Rates Effective: February 01, 2024

15 Month Special .
Dividend Rate* 5.15%
APY* 5.27%
Min. Deposit to Open $1000.00

*APY = Annual Percentage Yield. Certificates rates are subject to change without notice. Penalty for early withdrawal. Federally insured by NCUA.

Auto Rates 2017 & Newer

Rates Effective: February 01, 2024

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Auto Rates 2016 & Older

Rates Effective: February 01, 2024

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Boat/Motorcycle/RV Rates 2017 & Newer

Rates Effective: February 01, 2024

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Boat/Motorcycle/RV Rates 2016 & Older

Rates Effective: February 01, 2024

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

Personal Loan Rates

Rates Effective: February 01, 2024

Amount APR as low as*
Minimum $300 - Maximum $7,500 11.75%

*Actual Annual Percentage Rate (APR) determined by borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or autopay and .25% for eStatements.

50% Share Secured Loan Rates

Rates Effective: February 01, 2024

Term APR as low as*
Contact Credit Union 4.75%

*Actual Annual Percentage Rate (APR) determined by borrower’s credit score. Credit criteria must be met to qualify.

100% Share Secured Loan Rates

Rates Effective: February 01, 2024

Term APR as low as*
Contact Credit Union 4.00%

*Actual Annual Percentage Rate (APR) determined by borrower’s credit score. Credit criteria must be met to qualify.

VISA/Variable Rate-Adjusted Semi-Annually (January & July)

Tier Max Limit APR
A $7,500 As Low As 14.50%

IMPORTANT CREDIT CARD DISCLOSURES. *Annual Percentage Rate (APR) based on prime rate as of 1/1/2024. Actual APR and credit limit is determined by qualified borrower's credit score at the time of application. Speak with a representative for more details.

Rate information is posted and provided as information. Rates are current as of 12/01/2023 and are subject to change without notice as stated in our Account Disclosure Rate Supplement and Schedule of Fees and Charges.

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