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    Business Savings Rates

    Get competitive rates on all our great MCCU Business financial products!

    Business Savings Rates1,2

    Business Savings
    NameInterest RateAPY
    Share Savings 0.10% 0.10%

    BusinessPlus Money Market Rates2,3

    BusinessPlus Money Market
    TierInterest RateAPY
    $2,500 - $9,999 0.15% 0.15%
    $10,000 - $24,999 0.20% 0.20%
    $25,000 - $49,999 0.30% 0.30%
    $50,000 - $99,999 0.40% 0.40%
    $100,000 + 0.50% 0.50%

    BusinessBasic Money Market Rates2

    BusinessBasic Money Market
    TierInterest RateAPY
    $2,500 - $9,999 0.12% 0.12%
    $10,000 - $49,999 0.15% 0.15%
    $50,000 + 0.25% 0.25%

    BusinessPlus CD Rates1,2,3

    BusinessPlus 12 Month Share Certificate
    TermAmountInterest RateAPY
    12 Months $1,000 - $49,999 0.80% 0.80%
    12 Months $50,000 - $99,999 0.90% 0.90%
    12 Months $100,000 + 0.95% 0.95%

    BusinessPlus 24 Month Share Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 0.90% 0.90%
    24 Months $50,000 - $99,999 1.00% 1.00%
    24 Months $100,000 + 1.10% 1.10%

    BusinessPlus 36 Month Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 1.00% 1.00%
    36 Months $50,000 - $99,999 1.10% 1.10%
    36 Months $100,000 + 1.19% 1.20%

    BusinessPlus 48 Month Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 1.10% 1.10%
    48 Months $50,000 - $99,999 1.19% 1.20%
    48 Months $100,000 + 1.29% 1.30%

    BusinessPlus 60 Month Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 1.19% 1.20%
    60 Months $50,000 - $99,999 1.29% 1.30%
    60 Months $100,000 + 1.39% 1.40%

    BusinessBasic CD Rates1,2

    BusinessBasic 12 Month Share Certificate
    TermAmountInterest RateAPY
    12 Months $1,000 - $49,999 0.50% 0.50%
    12 Months $50,000 - $99,999 0.60% 0.60%
    12 Months $100,000 + 0.64% 0.65%

    BusinessBasic 24 Month Share Certificate
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 0.60% 0.60%
    24 Months $50,000 - $99,999 0.70% 0.70%
    24 Months $100,000 + 0.80% 0.80%

    BusinessBasic 36 Month Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 0.70% 0.70%
    36 Months $50,000 - $99,999 0.80% 0.80%
    36 Months $100,000 + 0.89% 0.90%

    BusinessBasic 48 Month Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 0.80% 0.80%
    48 Months $50,000 - $99,999 0.89% 0.90%
    48 Months $100,000 + 1.00% 1.00%

    BusinessBasic 60 Month Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 0.89% 0.90%
    60 Months $50,000 - $99,999 1.00% 1.00%
    60 Months $100,000 + 1.09% 1.10%

    BusinessPlus Bump Up CD Rates1,2,3,4

    BusinessPlus 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 0.90% 0.90%
    36 Months $50,000 - $99,999 1.00% 1.00%
    36 Months $100,000+ 1.09% 1.10%

    BusinessPlus 48 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 1.00% 1.00%
    48 Months $50,000 - $99,999 1.09% 1.10%
    48 Months $100,000+ 1.19% 1.20%

    BusinessPlus 60 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 1.09% 1.10%
    60 Months $50,000 - $99,999 1.19% 1.20%
    60 Months $100,000+ 1.28% 1.30%

    BusinessBasic Bump Up CD Rates1,2,4

    BusinessBasic 36 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 0.60% 0.60%
    36 Months $50,000 - $99,999 0.70% 0.70%
    36 Months $100,000+ 0.79% 0.80%

    BusinessBasic 48 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 0.70% 0.70%
    48 Months $50,000 - $99,999 0.79% 0.80%
    48 Months $100,000+ 0.90% 0.90%

    BusinessBasic 60 Month Bump Up Share Certificate
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 0.79% 0.80%
    60 Months $50,000 - $99,999 0.90% 0.90%
    60 Months $100,000+ 0.99% 1.00%

    Have questions? We're here to help! 

    Click here to schedule an appointment or contact our Business Services Team at (218) 625-8890.

    (1) $1,000 minimum deposit. Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawal.
    (2) APY is the Annual Percentage Yield effective November 9, 2020.
    (3) Plus accounts require at least two products, one of which is an active checking account; active checking means a minimum of 5 debits per month or reoccurring direct deposit(s) totaling a minimum of $500 a month.  See section 9 in the Truth-in-Savings Disclosure for applicable account limitations. Rates and yields are current as of November 9, 2020. Rates are subject to change. Contact us anytime for the most current information regarding rates. Share savings account limitations may apply.
    (4) Increased rate will apply to the period of time remaining on the initial certificate term. Contact a branch office for information how to request an increase. Fees can reduce earnings. Penalty imposed for early withdrawal.

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    National Credit Union Administration Equal Housing Lender
    This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
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