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    Members Cooperative Credit Union Go to main content

    ONLINE BANKING

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    Business Savings Rates

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

    Business Savings
    NameInterest RateAPY2
    Share Savings1 0.10% 0.10%

    BusinessBasic Money Market
    TierInterest RateAPY
    $500 - $2,499 0.05% 0.05%
    $2,500 - $9,999 0.20% 0.20%
    $10,000 - $49,999 0.35% 0.35%
    $50,000 + 0.60% 0.60%

    BusinessPlus Money Market 3
    TierInterest RateAPY
    $500 - $2,499 0.10% 0.10%
    $2,500 - $9,999 0.50% 0.50%
    $10,000 - $24,999 0.75% 0.75%
    $25,000 - $49,999 0.85% 0.85%
    $50,000 - $99,999 1.04% 1.05%
    $100,000 + 1.14% 1.15%

    BusinessBasic Share Certificate

    BusinessBasic 3 Month Share Certificate1
    TermAmountInterest RateAPY2
    3 Months/90 Days $1,000 - $49,999 0.70% 0.70%
    3 Months/90 Days $50,000 - $99,999 0.75% 0.75%
    3 Months/90 Days $100,000 + 0.80% 0.80%

    BusinessBasic 6 Month Share Certificate1
    TermAmountInterest RateAPY
    6 Months/180 Days $1,000 - $49,999 0.75% 0.75%
    6 Months/180 Days $50,000 - $99,999 0.80% 0.80%
    6 Months/180 Days $100,000 + 0.85% 0.85%

    BusinessBasic 12 Month Share Certificate1
    TermAmountInterest RateAPY
    12 Months $1,000 - $49,999 1.94% 1.95%
    12 Months $50,000 - $99,999 2.03% 2.05%
    12 Months $100,000 + 2.13% 2.15%

    BusinessBasic 24 Month Share Certificate1
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 2.18% 2.20%
    24 Months $50,000 - $99,999 2.28% 2.30%
    24 Months $100,000 + 2.38% 2.40%

    BusinessBasic 36 Month Share Certificate1
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.48% 2.50%
    36 Months $50,000 - $99,999 2.58% 2.60%
    36 Months $100,000 + 2.67% 2.70%

    BusinessBasic 48 Month Share Certificate1
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.62% 2.65%
    48 Months $50,000 - $99,999 2.77% 2.80%
    48 Months $100,000 + 2.87% 2.90%

    BusinessBasic 60 Month Share Certificate1
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.67% 2.70%
    60 Months $50,000 - $99,999 2.87% 2.90%
    60 Months $100,000 + 2.97% 3.00%

    BusinessPlus Share Certificate

    BusinessPlus 12 Month Share Certificate1,3
    TermAmountInterest RateAPY2
    12 Months $1,000 - $49,999 2.23% 2.25%
    12 Months $50,000 - $99,999 2.33% 2.35%
    12 Months $100,000 + 2.48% 2.50%

    BusinessPlus 24 Month Share Certificate1,3
    TermAmountInterest RateAPY
    24 Months $1,000 - $49,999 2.48% 2.50%
    24 Months $50,000 - $99,999 2.58% 2.60%
    24 Months $100,000 + 2.67% 2.70%

    BusinessPlus 36 Month Share Certificate1,3
    TermAmountInterest RateAPY
    36 Months $1,000 - $49,999 2.77% 2.80%
    36 Months $50,000 - $99,999 2.87% 2.90%
    36 Months $100,000 + 2.97% 3.00%

    BusinessPlus 48 Month Share Certificate1,3
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.82% 2.85%
    48 Months $50,000 - $99,999 2.92% 2.95%
    48 Months $100,000 + 3.02% 3.05%

    BusinessPlus 60 Month Share Certificate1,3
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.87% 2.90%
    60 Months $50,000 - $99,999 3.02% 3.05%
    60 Months $100,000 + 3.11% 3.15%

    BusinessBasic Bump Up Share Certificate

    BusinessBasic 36 Month Bump Up Share Certificate1,4
    TermAmountInterest RateAPY2
    36 Months $1,000 - $49,999 2.38% 2.40%
    36 Months $50,000 - $99,999 2.48% 2.50%
    36 Months $100,000+ 2.57% 2.60%

    BusinessBasic 48 Month Bump Up Share Certificate1,4
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.53% 2.55%
    48 Months $50,000 - $99,999 2.67% 2.70%
    48 Months $100,000+ 2.77% 2.80%

    BusinessBasic 60 Month Bump Up Share Certificate1,4
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.58% 2.60%
    60 Months $50,000 - $99,999 2.77% 2.80%
    60 Months $100,000+ 2.87% 2.90%

    BusinessPlus Bump Up Share Certificate

    BusinessPlus 36 Month Bump Up Share Certificate1,3,4
    TermAmountInterest RateAPY2
    36 Months $1,000 - $49,999 2.67% 2.70%
    36 Months $50,000 - $99,999 2.77% 2.80%
    36 Months $100,000+ 2.87% 2.90%

    BusinessPlus 48 Month Bump Up Share Certificate1,3,4
    TermAmountInterest RateAPY
    48 Months $1,000 - $49,999 2.72% 2.75%
    48 Months $50,000 - $99,999 2.82% 2.85%
    48 Months $100,000+ 2.92% 2.95%

    BusinessPlus 60 Month Bump Up Share Certificate1,3,4
    TermAmountInterest RateAPY
    60 Months $1,000 - $49,999 2.77% 2.80%
    60 Months $50,000 - $99,999 2.92% 2.95%
    60 Months $100,000+ 3.01% 3.05%

    BusinessBasic Companion Savings Share Certificate

    Companion Savings for BusinessBasic 12 Month Share Certificate6
    TermAmountInterest RateAPY2
    12 Months $0.00 - $49,999 1.44% 1.45%
    12 Months $50,000 - $99,999 1.54% 1.55%
    12 Months $100,000+ 1.64% 1.65%

    Companion Savings for BusinessBasic 24 Month Share Certificate6
    TermAmountInterest RateAPY
    24 Months $0.00 - $49,999 1.69% 1.70%
    24 Months $50,000 - $99,999 1.79% 1.80%
    24 Months $100,000+ 1.89% 1.90%

    Companion Savings for BusinessBasic 36 Month Share Certificate6
    TermAmountInterest RateAPY
    36 Months $0.00 - $49,999 1.99% 2.00%
    36 Months $50,000 - $99,999 2.08% 2.10%
    36 Months $100,000+ 2.18% 2.20%

    Companion Savings for BusinessBasic 48 Month Share Certificate6
    TermAmountInterest RateAPY
    48 Months $0.00 - $49,999 2.13% 2.15%
    48 Months $50,000 - $99,999 2.28% 2.30%
    48 Months $100,000+ 2.38% 2.40%

    Companion Savings for BusinessBasic 60 Month Share Certificate6
    TermAmountInterest RateAPY
    60 Months $0.00 - $49,999 2.18% 2.20%
    60 Months $50,000 - $99,999 2.38% 2.40%
    60 Months $100,000+ 2.48% 2.50%

    BusinessPlus Companion Savings Share Certificate

    Companion Savings for BusinessPlus 12 Month Share Certificate3,6
    TermAmountInterest RateAPY2
    12 Months $0.00 - $49,999 1.74% 1.75%
    12 Months $50,000 - $99,999 1.84% 1.85%
    12 Months $100,000+ 1.99% 2.00%

    Companion Savings for BusinessPlus 24 Month Share Certificate3,6
    TermAmountInterest RateAPY
    24 Months $0.00 - $49,999 1.99% 2.00%
    24 Months $50,000 - $99,999 2.08% 2.10%
    24 Months $100,000+ 2.18% 2.20%

    Companion Savings for BusinessPlus 36 Month Share Certificate3,6
    TermAmountInterest RateAPY
    36 Months $0.00 - $49,999 2.28% 2.30%
    36 Months $50,000 - $99,999 2.38% 2.40%
    36 Months $100,000+ 2.48% 2.50%

    Companion Savings for BusinessPlus 48 Month Share Certificate3,6
    TermAmountInterest RateAPY
    48 Months $0.00 - $49,999 2.33% 2.35%
    48 Months $50,000 - $99,999 2.43% 2.45%
    48 Months $100,000+ 2.53% 2.55%

    Companion Savings for BusinessPlus 60 Month Share Certificate3,6
    TermAmountInterest RateAPY
    60 Months $0.00 - $49,999 2.38% 2.40%
    60 Months $50,000 - $99,999 2.53% 2.55%
    60 Months $100,000+ 2.62% 2.65%

    (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 October 1, 2018.
    (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.
    (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.
    (6) Companion savings account must be opened at the time of the certificate deposit and must equal the certificate balance. Additional deposits into the companion savings account are prohibited; account withdrawals, subject to regulatory restrictions, and closure are permitted. Early withdrawal or redemption of the companion certificate will result in the companion savings account balance being transferred into the member’s share savings account. Companion savings account rate will be less than the companion certificate rate; contact a branch office for more information. Fees can reduce certificate earnings. Penalty imposed for early certificate withdrawal.

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