Business Savings Rates
Get competitive rates on all our great MCCU Business financial products!
| Business Savings |
| Name | Interest Rate | APY2 |
| Share Savings1 |
0.10% |
0.10% |
| BusinessBasic Money Market |
| Tier | Interest Rate | APY |
| $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 |
| Tier | Interest Rate | APY |
| $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 |
| Term | Amount | Interest Rate | APY2 |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY2 |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY2 |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY2 |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY2 |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY2 |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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 |
| Term | Amount | Interest Rate | APY |
| 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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