a young woman is sitting and looking at her smartphone

Consumer Deposit Rates

Maximum Money Market™
High-Yield Savings

Up to 4.59% APY*

This account offers a high-yield variable APY that performs with current prime rates so that you always receive our best dividend rate.8

LIMITED TIME
Promotional Rate CDs

4.35% APY*

8 Month Promotional CD6

4.25% APY*

14 Month Promotional CD6
Amount Dividend Rates APY*
$5 to $99.99 .0% N/A
$100.00 and over .05% .05%

Apply online now to open your membership account.
Balance Tiers Dividend Rate1 APY*
$0.01 - $1,999.99 4.00% 4.07%
$2,000 - $9,999.99 1.49% 4.07% - 2.02%
$10,000 - $14,999.99 0.75% 2.02% - 1.59%
$15,000 and higher 0.05%
 1.59% - 0.28%
Type Dividend Rate APY*
Cash Back Checking N/A N/A
Opportunity Checking N/A
 N/A
Student Saver Checking2
 .25% .25%
Classic Checking (no longer offered)
 .05%
 .05%

FOR A LIMITED TIME, EARN UP TO
4.59% APY*

Open your Maximum Money Market™ account today with no minimum balance to start earning. Or, open with $50,000 or more to get the LIMITED TIME New Account 6 Month Promotional Rate.8

Balance Tiers Guaranteed Dividend Rates3 Dividend Rate APY*
$0.01 - $49,999.99 Fixed Rate 0.10% 0.10%
$50,000 - $149,999.99
Variable Rate
WSJP minus 7.00%
 1.00% 1.00%
$150,000 - $299,999.99
Variable Rate
WSJP minus 6.75%
 1.25% 1.26%
$300,000 - $499,999.99
Variable Rate
WSJP minus 6.50%
 1.50% 1.51%
$500,000 - $999,999.99
Variable Rate
WSJP minus 5.50%
 2.50%  2.53%
$1,000,000 and higher
Variable Rate
WSJP minus 4.50% 
 3.50% 3.56%
Balance Tiers Dividend Rate4 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 – $99,999.99)
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 BOOST5 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  4.27% 4.35%
12 Month CD 1.98% 2.00%
14 Month Promotional CD
 4.17 % 4.25 %
18 Month CD 2.72% 2.75%
24 Month CD 3.93% 4.00%
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 BOOST5 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.
Term Dividend Rates APY*
6 Month Jumbo CD 1.74 % 1.75 %
8 Month Jumbo Promotional CD 4.27 % 4.35 %
12 Month Jumbo CD 1.98 % 2.00 %
14 Month Jumbo Promotional CD 4.17 % 4.25 %
18 Month Jumbo CD 2.72 % 2.75 %
24 Month Jumbo CD
 3.93 % 4.00 %
36 Month Jumbo CD
 2.96 % 3.00 %
48 Month Jumbo CD
 2.72 % 2.75 %
60 Month Jumbo CD 2.47 % 2.50 %

The HERO Savings Program provides law enforcement, first responders, military, educators and healthcare professionals with loan rate discounts and higher savings yields.**


Term Minimum Opening Balance/To Earn APY* Dividend Rates APY*
12 Month Hero CD     $500 2.98 % 3.02 %
12 Month Hero Jumbo CD    $50,000 2.98 % 3.02 %

Dividend Rate* APY*
.25% .25%
IRA Standard CDs are balances $500.00 – $99,999.99. IRA Jumbo CDs are balances $100,000 and greater. Rate for IRA Jumbo CDs are the same as IRA Standard CDs.7
 
Term Dividend Rates APY*
6 Month Standard IRA CD  1.84% 1.86%
12 Month Standard IRA CD  2.08% 2.10%
18 Month Standard IRA CD  2.82% 2.86%
24 Month Standard IRA CD  
 3.06% 3.10%
36 Month Standard IRA CD 
 3.06% 3.10%
48 Month Standard IRA CD 
 2.82% 2.86%
60 Month Standard IRA CD  2.57% 2.60%

Checking Balance Requirements

None of our checking accounts have minimum amounts to open, nor minimum balance requirements.


Savings Balance Requirements


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

Disclosures

*APY=Annual Percentage Yield. 


**Limited time offer. No other discounts will apply. Offer valid for individuals in the following eligible professions and are subject to verification: Medical Professionals such as doctors and nurses, Active-Duty Law Enforcement Officers, Active-Duty Military and Military Veterans, Teaching Profession – Teachers and Administrative Staff. Applicants must select "I qualify as a HERO" in the online application process in order for applicable discounts and savings to apply. You must be a member or eligible for membership to qualify. Rates, terms and conditions are subject to change without notice. Members Choice Hero members can qualify for the following loan benefits: 1.00% rate reduction on Personal Unsecured Signature Loans and 0.50% rate reduction on Vehicle Loans with a loan term of 37 months or higher.

1 Complete Checking Dividend Rates: To receive the stated dividend rate for a particular monthly qualification cycle, you must receive monthly eStatements, at minimum ten (10) debit card purchases per month must have posted and maintain an aggregate minimum direct deposit of $150.00 to this account per month. If account requirements are not met, the dividend rate on the entire balance is .0% for that monthly cycle.

Complete 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 annual percentage yields, which vary depending on the balance in the account, are shown for each tier.

 

2 There are no requirements nor minimum balances to earn the stated APY for active Student Saver Checking accounts. ATM Fee Rebates: We will reimburse you for ATM fees imposed during the month by our institution and other U.S. financial institutions. The maximum ATM fee rebate is $25 for each month. ATM fee rebates will be transferred to the checking account. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Student Saver Checking is not eligible for Choice Pay. At age 18, account will be converted into a Complete Checking account.

  

3 Maximum Money Market Dividend Rates: The Fixed Dividend Rate and Annual Percentage Yield for the lowest balance tier may change at any time as determined by the Board of Directors. The Variable Dividend Rate and Annual Percentage Yield for the Maximum Money Market will be adjusted on the last day of each month. The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. 8.00 % - Current WSJP effective as of September 19, 2024. Variable dividend rate is adjusted on the last day of each month.      

 

4 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.

 

5 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.

  

6 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.
 
7 IRA CDs are not eligible for the Limited Time Promotional Rate or the CD Rate Boost Program.
 
8 In order to be eligible for the Maximum Money Market Promotional Rate offer, $50,000 NewMoney must be deposited within twelve (12) days after 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.” APY applies for six (6) months after account opening (“Promotional Period”). After the Promotional Period, APY will be the then current applicable APY for the Maximum Money Market Account applicable tier. Promotion may end at any time. If $50,000 New Money is not deposited within twelve (12) days of account opening, applicable APY for Maximum Money Market Account applies.
 
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.

 

View complete list of deposit disclosures and Fee Schedule.

Rates effective October 23, 2024. 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.

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