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    Members Cooperative Credit Union Go to main content

    Online Banking

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    Rates

    SAVINGS RATES

    Your funds grow, faster, with our great savings products at MCCU. Compare features and find the savings option that’s the best fit for you.

    Savings and Checking Rates

    Savings and Checking
    NameInterest RateAPY 1
    Share Savings2 0.10% 0.10%
    Secondary and Emergency Fund2 0.10% 0.10%
    Buckwise and Dollar Dog2 0.10% 0.10%
    Preferred Checking3 0.05% 0.05%
    EcoChoice Checking 3 0.05% 0.05%
    Christmas Club2 0.15% 0.15%

    MembersPlus Money Market Rates1,4

    MembersPlus 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%

    MembersBasic Money Market Rates1

    MembersBasic 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%

    MembersPlus Health Savings Account Rates1,4

    MembersPlus Health Savings Account
    TierInterest RateAPY
    $0 - $9,999 0.10% 0.10%
    $10,000 + 0.15% 0.15%

    IRA Savings Rates1,2

    IRA Savings
    NameInterest RateAPY
    Share IRA 0.35% 0.35%
    Share Roth 0.35% 0.35%
    Share SEP and Share Education 0.35% 0.35%

    Have questions? We're here to help! 

    Click here to schedule an appointment, call us at: 218-625-8600 or use our convenient Video Banking service to open an account.

    (1) APY is the Annual Percentage Yield and is subject to change.
    (2) APY is effective as of September 25, 2020.  Fees could reduce the earnings on the account. 
    (3) Minimum balance of $2,500 to earn the stated APY.  APY is effective as of September 25, 2020.  Fees could reduce the earnings on the account. 
    (4) MembersPlus 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 September 25, 2020. Rates are subject to change. Contact us anytime for the most current information regarding rates. Share savings account limitations may apply.

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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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