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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 0.20% 0.20%

    MembersPlus Companion Savings Rates1,4,5

    Companion Savings for MembersPlus 12 Month Share Certificate
    TermAmountInterest RateAPY
    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 MembersPlus 24 Month Share Certificate
    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 MembersPlus 36 Month Share Certificate
    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 MembersPlus 48 Month Share Certificate
    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 MembersPlus 60 Month Share Certificate
    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%

    MembersBasic Companion Savings Rates1,5

    Companion Savings for MembersBasic 12 Month Share Certificate
    TermAmountInterest RateAPY
    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 MembersBasic 24 Month Share Certificate
    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 MembersBasic 36 Month Share Certificate
    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 MembersBasic 48 Month Share Certificate
    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 MembersBasic 60 Month Share Certificate
    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%

    MembersPlus Money Market Rates1,4

    MembersPlus Money Market
    TierInterest RateAPY
    $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%

    MembersBasic Money Market Rates1

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

    MembersPlus Health Savings Account Rates1,4

    MembersPlus Health Savings Account
    TierInterest RateAPY
    $0 - $999 0.10% 0.10%
    $1,000 - $4,999 0.10% 0.10%
    $5,000 - $9,999 0.25% 0.25%
    $10,000 + 0.25% 0.25%

    IRA Rates1,2

    IRAs
    NameInterest RateAPY
    Share IRA 0.75% 0.75%
    Share Roth 0.75% 0.75%
    Share SEP and Share Education 0.75% 0.75%

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

    (1) APY is the Annual Percentage Yield and is subject to change.
    (2) APY is effective as of October 1, 2015.  Fees could reduce the earnings on the account. 
    (3) Minimum balance of $2,500 to earn the stated APY.  APY is effective as of November 1, 2018.  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  November 1, 2018. Rates are subject to change. Contact us anytime for the most current information regarding rates. Share savings account limitations may apply.
    (5) 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. $2,500 minimum deposit.

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