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Business Deposit Rates

Maximum Money Market™
High-Yield Savings

Up to 3.04% APY*

This account offers a high-yield variable APY that performs with current prime rates so that you always receive our best dividend rate.6

LIMITED TIME
Promotional Rate CDs

3.75% APY*

8 Month Promotional CD5

3.51% APY*

14 Month Promotional CD5
Amount Dividend Rates APY*
$5.00 to $99.99 .0% N/A
$100 and over .05% .05%


Apply online now to open your membership account.
Type Dividend Rates APY*
Small Business Checking N/A N/A

 

High-Yield Business Checking Rates


Balance Tiers Dividend Rate1 APY*
$0.01 - $9,999.99

0%

0%

Earn Dividends when you use your Business Debit Mastercard®1

Plus, Low to no monthly fees!
$10,000 - $14,999.99 1.98%   0% - 0.67%
$15,000 - $24,999.99 1.00% 0.67% - 0.80%
$25,000 and higher 0.05% 0.80% - 0.24%


 

FOR A LIMITED TIME, EARN 3.00% APY*
WITH A NEW ACCOUNT 6-MONTH PROMO RATE

Open your Maximum Money Market™ account today with $50,000 or more to get the New Account Promotional Rate on your entire balance for 6 months.6

Balance Tiers Guaranteed Dividend Rates2 Dividend Rate APY*
$0.01 - $49,999.99
0.10% 0.10%
$50,000 - $149,999.99
WSJP minus 7.00%
 0.50% 0.50%
$150,000 - $299,999.99
WSJP minus 6.75%
 0.75% 0.75%
$300,000 - $499,999.99
WSJP minus 6.50%
 1.00% 1.00%
$500,000 - $999,999.99
WSJP minus 5.50%
 2.00%  2.02%
$1,000,000 and higher
WSJP minus 4.50% 
 3.00% 3.04%
$50,000 and higher
LIMITED TIME 
6-Month New Account Promotional Rate8
 2.96% 3.00%
 
Balance Tiers Dividend Rate2 APY*
$2,000 - $9,999.99 0.10% 0.10%
$10,000 - $49,999.99 0.10% 0.10%
$50,000 and higher 0.15% 0.15%
MCCU CD Rate Boost Program Icon
($500.00 – $49,999.99)
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. 

Secure your savings with confidence. For a limited time, any non-promotional Members Choice CDs come with a CD RATE BOOST3 option. On any new regular standard CD opened after September 12, 2022, you can request a one-time rate increase to match the future offered CD rate for that term. Learn more about our CDs here.

Term Dividend Rates APY*
6 Month CD 1.74% 1.75%
8 Month Promotional CD  3.69% 3.75%
12 Month CD 2.96% 3.00%
14 Month Promotional CD
 3.45% 3.51%
18 Month CD 2.72% 2.75%
24 Month CD 3.45% 3.51%
36 Month CD 2.96% 3.00%
48 Month CD 2.72% 2.75%
60 Month CD 2.47% 2.50%
MCCU CD Rate Boost Program Icon($100,000 and above)
Whether a short- or long-term investment, a CD is a great alternative to a traditional savings account. Jumbo CD Dividend Rates are .10 more than our Standard CD Dividend Rates.

Secure your savings with confidence. For a limited time, any non-promotional Members Choice CDs come with a CD RATE BOOST3 option. On any new regular jumbo CD opened after September 12, 2022, you can request a one-time rate increase to match the future offered CD rate for that term. Learn more about our CDs here.

Term Dividend Rates APY*
6 Month Jumbo CD 1.74% 1.75%
8 Month Jumbo Promotional CD 3.69% 3.75%
12 Month Jumbo CD 2.96% 3.00%
14 Month Jumbo Promotional CD 3.45% 3.51%
18 Month Jumbo CD 2.72% 2.75%
24 Month Jumbo CD
 3.45% 3.51%
36 Month Jumbo CD
 2.96% 3.00%
48 Month Jumbo CD
 2.72% 2.75%
60 Month Jumbo CD 2.47% 2.50%
 
 
 
 

Savings Balance Requirements


Balance Requirements Minimum to Open Minimum to Earn Dividends
Savings $5 $100
Maximum Money Market $0 $0.01
Classic Money Market $2,000 $2,000
Certificate of Deposit $500 $500
Jumbo Certificate of Deposit $100,000 $100,000

Disclosures


* Annual Percentage Yield (APY) for Business Savings, Checking and Certificate Accounts is accurate as of February 12, 2025.Rates are subject to change at any time without notice. Fees may reduce earnings. On certificates of deposit a penalty may be imposed for early withdrawal. View complete list of deposit disclosures and Fee Schedule.

 

1 High-Yield Checking Dividend Rates: To receive the additional benefits for a particular monthly qualification cycle, at least ten (10) debit card transactions must have posted to the High Yield Checking Account. Rewards will be calculated and paid on the last day of each cycle. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle. Business may have multiple signers on the account. At our sole discretion, the number of High Yield Business Checking Accounts per business may be limited. High Yield Business Checking Accounts are Tiered Rate Accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The range of annual percentage yields, which vary depending on the balance, are shown for each tier.


2 Maximum Money Market Dividend Rates: The Dividend Rate and Annual Percentage Yield for the lowest balance tier can change as determined by the Board of Directors. The Dividend Rate, Annual Percentage Yield, and Margin, for the other balance tiers will be adjusted at the sole discretion of the Credit Union on the first of the month following a change to the index, Wall Street Journal Prime (WSJP). The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. Rate tiers, with the exception of the first tier, will have a floor rate of no less than 0.50% Annual Percentage Rate. Maximum MMAs, Classic MMAs, and Savings accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account.   WSJP 7.50% - Current WSJP effective as of December 20, 2024. Variable dividend rate is adjusted on the first day of each month following a change in the index.

 

3 Classic Money Market Dividend Rates: The Fixed Dividend Rate and Annual Percentage Yield for the balance tier may change at any time without prior notice. Classic Money Market accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account.

 

4 Rate Boost Program only applies to new certificate of deposits opened on or after September 12, 2022. The minimum initial deposit amount is $500, no maximum. After you start the account, you may not make additional deposits to this Certificate Account. This offer is valid starting September 12, 2022 while quantities last. Certificate of Deposits pledged against a CD Secured Loan do not qualify. Promotional Certificate of Deposits are not eligible for the Rate Boost Program. Other terms and conditions may apply.

 

5  No prior relationship requirement to apply for the Promotional Rate CD account. After you start the account, you may not make additional deposits to this Certificate Account. This offer is valid for a limited time only while quantities last. These Limited Time Promotional Rate CD's are not eligible for the CD Rate Boost Program. For the 8-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 6-month or regular 6-month jumbo certificate, as applicable. For the 14-Month Promotional Certificates, on the maturity date indicated in your Account Receipt, the funds in the certificate will be transferred to a regular 12-month or regular 12-month jumbo certificate, as applicable.
 
 
6 To be eligible for the Maximum Money Market Promotional Rate, new money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening. “New Money” is defined as funds transferred from another financial institution via ACH, cash, or check. Checks or transfers from other Members Choice accounts do not qualify as “New Money.” At any time, we may waive the New Money requirement for the Promotional Maximum Money Market Account rate. If $50,000 New Money is not deposited within twelve (12) days of account opening, the standard rates and APYs for Maximum Money Market Account apply. APY will remain in effect for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current standard APY for the Maximum Money Market Account applicable tier. Promotion may end at any time.
 
The Maximum Money Market is available to all of the following new and existing membership types – personal, business and fiduciary. At our sole discretion, the number of Maximum Money Market Accounts per member may be limited.

 

  

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval, including credit approval.