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    • Use the form below to contact us directly for general questions or to provide feedback. Please do not include member numbers or account numbers. If your need is urgent, we invite you to contact us by phone at: 800-296-8871 or stop by any of our office locations.

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    Can saving be simple and still offer loads of great options? We think so. At MCCU you’ll find powerful savings account and investment options with great features, terrific savings rates, and no unnecessary fluff. Live your best financial life, knowing you’ve got the right products for your needs.


    IRA Savings Account

    A comfortable retirement doesn’t happen by accident. Plan ahead with an MCCU IRA Savings Account.

    Traditional IRA

    • A good choice for anyone who doesn't have an employer-sponsored retirement plan
    • Allows for fully tax-deductible contributions of up to $5,500 annually, or $6,500 over age 50
    • Earnings grow tax-deferred
    • Earnings are taxed as ordinary income when withdrawn
    • Withdrawals prior to age 59½ are subject to a 10% penalty tax (unless certain exceptions are met)
    • Dividends are compounded monthly

    Roth IRA

    • Not initially tax-deductible, but offers the benefit of a tax-free withdrawal later
    • After five (5) years, withdrawals are tax-free, after age 59½
    • Maximum $5,500 annual contribution - or $6,500, if you are over age 50
    • Dividends are compounded monthly

    Stop by your local branch or call us at 1-800-296-8871 to open an account.

    We also offer IRA CDs!

    IRA Savings Rates

    IRA Savings Rates1,2

    IRA Savings
    Effective Date: July 1, 2019
    NameInterest RateAPY
    Share IRA 0.55% 0.55%
    Share Roth 0.55% 0.55%
    Share SEP and Share Education 0.55% 0.55%

    (1) APY is the Annual Percentage Yield and is subject to change.
    (2) APY is effective as of July 1, 2019.  Fees could reduce the earnings on the account. 

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