Rates and fees

You get the best deal locally

When you need to borrow, we’re almost always your best choice. We charge reasonable rates and fees because we know we’re helping our friends, co-workers and neighbors.

Checking, Savings and Money Market Account rates

Account type Min. deposit
to open account		 Min. balance
to earn dividends		 APY
Primary Share Savings Account $5 $100-$2,499.99 0.20%
$2,500-$9,999.99 0.25%
$10,000-$24,999.99 0.30%
$25,000-$49,999.99 0.35%
$50,000+ 0.40%
Share Checking Account $20 $100-$2,499.99 0.0%
$2,500-$9,999.99 0.0%
$10,000-$24,999.99 0.0%
$25,000-$49,999.99 0.0%
$50,000+ 0.15%
IRA Share Savings $100 $100+ 1.50%

Share and IRA Certificates

Balance Months / APY
  3 mo.* 6 mo.* 12 mo. 18 mo. 24 mo. 36 mo.
$1,000 NA 0.65% 0.90% 1.10% 1.30% NA
$5,000 0.40% 0.65% 0.90% 1.10% 1.30% NA
$10,000 0.45% 0.70% 0.90% 1.10% 1.35% 1.65%
$25,000 0.50% 0.75% 1.00% 1.20% 1.35% 1.70%
$50,000 0.55% 0.80% 1.05% 1.25% 1.40% 1.75%

Vehicle Loans

All loan rates quoted include a discount of 0.50% for automatic repayment.

  Maximum term
(months)		 100% financing
APR as low as
New Auto loans
New 84 months1 4.95%
Used 2002 and newer 84 months1 5.65%
Boat and RV loans
New 180 months2 5.90%
Used 180 months2 5.90%

Motorcycle loans
  Maximum term
(months)		 100% financing
APR as low as
New 84 months1 4.95%
Used 84 months1 5.65%

Personal Loans

  Maximum term APR as low as
Share-secured 120 months 3% above share rate
Certificate-secured Term of certificate 3% above share rate
Signature loan Vary based on loan amount 11.50%
Unsecured Debt Consolidation loan 60 months 11.50%

Visa Classic credit card

View details. 10.15%

Home Equity Line of Credit
  Maximum term APR as low as
$10,000—$300,000 7-year draw;15-year repayment period 5.00% variable3

Convenience services and fees

Membership Fee
(includes reopen of closed account)		 $5
Returned Deposit $20
Returned Loan Payment $25
ATM Returned Deposit $20
Statement Copy Fee $5
Account History Printout (1 month) $5
Account Reconciliation/Research Fee $30 per hour, 1 hour min.
Stop Payment Order Fee
  Share drafts		  
$15
  Teller Checks $20
  ACH/Electronic items $20
Teller Checks 2 free monthly, $10 thereafter
Account Escheat fee $2
Bad address fee when mail is returned $20
Garnishments, Levies, Legal Orders $20
Account closure (within 90 days of opening) $25
Card Services
  Replacement VISA® debit or credit card		  
$10
  Priority delivery Visa debit or credit card $40
  Copy of Visa credit or debit draft $20
  Late Payment Fee $20
  Returned Payment Fee $25
  Visa Statement Copy $5
  VISA® International Service Assessment 1% of Transaction
  MasterCard® Issuer Cross-Border Assessment
    (International ATM transactions via Cirrus®)		 0.80% of Transaction Amt.
  MasterCard® Currency Conversion Assessment
    (International ATM transactions via Cirrus®)		 0.20% of Transaction Amt.
Outgoing Domestic Wire Transfer $20
Outgoing International Wire Transfer $35
Real Estate Subordination Fee $50

Share Draft Account Fees
Share Draft Copy 3 free per month/$5 thereafter
Copy of deposit items $5
Non Sufficient Funds (Paid or Returned)
  (Drafts, ACH/Electronic items, Visa debit card)		 $20

EFT Fees
ATM & Debit Card Transactions at Non-MCFCU owned ATM 5 free per month/$1 there after
Reissue ATM, Debit or VISA card $5

Rates effective 8/1/2010 and subject to change.

*IRA certificates not available.

1Minimum loan balance required for 84 months: $30,000.

2Minimum loan balance required for 180 months: $50,000.

3Based on Prime rate as published in Wall Street Journal plus margin; call for current rates.