Call Center: 800-260-5183

0% APR Holiday Credit Card

Pay 0% APR* for 6 months on all balance transfers and purchases made with an MSCU credit card between December 1, 2021 and January 31, 2022!

*0% Promotional Annual Percentage Rate (APR) on retail purchases and/or balance transfers made during the qualification period of 12/01/2021 to 01/31/2022. Promotional APR will end 180 days from the first qualifying purchase or balance transfer. After the 180-day promotional period ends, any remaining promotional balance will convert to the approved borrower’s contracted APR. Limit one MSCU credit card promotion per MSCU cardholder per year. For more information, please speak with a representative by calling 800-260-5183.

HOLIDAY LOAN - APR as low as 6.00%

*Actual APR (Annual Percentage Rate) determined by qualified borrower's credit score. Credit criteria must be met to qualify. APR listed includes discount of .25% for direct deposit and/or auotpay and .25% for eStatements. Maximum loan amount is $3,000 and maximum term is 12 months. Approximate payment $86.06 per $1,000 financed at 6.00% for 12 months. Speak with a representative by calling 800-260-5183.

Share/Savings Rates

Rates Effective: January 01, 2022

Savings .
Dividend Rate* 0.05%
APY* 0.05%
Min. Deposit to Open $10.00
Min. Deposit to Earn APY* $10.00
Savings Clubs .
Dividend Rate* 0.05%
APY* 0.05%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY*

*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: January 01, 2022

Checking .
Dividend Rate* 0.01%
APY* 0.01%
Minimum Deposit to Open $100.00
Minimum Deposit to Earn APY*

*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: January 01, 2022

Money Market .
Dividend Rate* 0.05%
APY* 0.05%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $2500.00
Money Market .
Dividend Rate* 0.10%
APY* 0.10%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $5000.00
Money Market .
Dividend Rate* 0.20%
APY* 0.20%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $25000.00
Money Market .
Dividend Rate* 0.35%
APY* 0.35%
Min. Deposit to Open $0.00
Min. Deposit to Earn APY* $50000.00

*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: January 01, 2022

HSA Rates .
Dividend Rate* 0.05%
APY* 0.05%
Minimum Deposit to Open $0.00
Minimum Deposit to Earn APY*

*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: January 01, 2022

IRA Rates .
Dividend Rate* 0.05%
APY* 0.05%
Minimum Deposit to Open $0.00
Minimum Deposit to Earn APY*

*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: January 01, 2022

Save to Win Share Certificates .
Dividend Rate* 0.30%
APY* 0.30%
Minimum Deposit to Open $25.00

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

Share Certificate Rates

Rates Effective: January 01, 2022

6 Month .
Dividend Rate* 0.20%
APY* 0.20%
Min. Deposit to Open $1000.00
12 Month .
Dividend Rate* 0.30%
APY* 0.30%
Min. Deposit to Open $1000.00
18 Month .
Dividend Rate* 0.40%
APY* 0.40%
Min. Deposit to Open $1000.00
24 Month .
Dividend Rate* 0.50%
APY* 0.50%
Min. Deposit to Open $1000.00
36 Month .
Dividend Rate* 0.60%
APY* 0.60%
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: January 01, 2022

6 Month .
Dividend Rate* 0.20%
APY* 0.20%
Min. Deposit to Open $1000.00
12 Month .
Dividend Rate* 0.30%
APY* 0.30%
Min. Deposit to Open $1000.00
18 Month .
Dividend Rate* 0.40%
APY* 0.40%
Min. Deposit to Open $1000.00
24 Month .
Dividend Rate* 0.50%
APY* 0.50%
Min. Deposit to Open $1000.00
36 Month .
Dividend Rate* 0.60%
APY* 0.60%
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 2015 & Newer

Rates Effective: January 01, 2022

36 Month .
APR as low as* 1.99%
Aprox. Payment (per $1000) $28.87
48 Month .
APR as low as* 1.99%
Aprox. Payment (per $1000) $22.03
60 Month .
APR as low as* 1.99%
Aprox. Payment (per $1000) $17.97
72 Month .
APR as low as* 2.99%
Aprox. Payment (per $1000) $15.65
84 Month .
APR as low as* 4.49%
Aprox. Payment (per $1000) $13.91

*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 2014 & Older

Rates Effective: January 01, 2022

36 Month .
APR as low as* 6.01%
Aprox. Payment (per $1000) $30.43
48 Month .
APR as low as* 6.51%
Aprox. Payment (per $1000) $22.73

*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 2015 & Newer

Rates Effective: January 01, 2022

36 Month .
APR as low as* 1.99%
Aprox. Payment (per $1000) $28.64
48 Month .
APR as low as* 1.99%
Aprox. Payment (per $1000) $27.70
60 Month .
APR as low as* 1.99%
Aprox. Payment (per $1000) $17.53
72 Month .
APR as low as* 2.99%
Aprox. Payment (per $1000) $15.20
84 Month .
APR as low as* 4.49%
Aprox. Payment (per $1000) $13.91

*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 2014 & Older

Rates Effective: January 01, 2022

36 Month .
APR as low as* 6.50%
Aprox. Payment (per $1000) $30.67
48 Month .
APR as low as* 7.00%
Aprox. Payment (per $1000) $23.96

*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: January 01, 2022

Amount APR as low as*
Minimum $300 - Maximum $15,000 9.25%

*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: January 01, 2022

Term APR as low as*
Contact Credit Union 3.25%

*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: January 01, 2022

Term APR as low as*
Contact Credit Union 2.00%

*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 as of 7/1/2021
A $10,000 9.25%
B $7,500 12.25%
C $5,000 15.25%

IMPORTANT CREDIT CARD DISCLOSURES. Individual APR (Tier) and credit limit based upon your credit score at the time of your application. Speak with representative for more details.

Rate information is posted and provided as information. Rates are current as of 10/01/2021 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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