Current Rates

  • Loan Rates
  • Savings & Deposit Rates

Loan Rates

Loan rates effective 1/1/23 and subject to change.
APR = Annual Percentage Rate

Loan Type APR as low as
Automobile (Years 2018-2023)
4.99%*
Recreational Vehicles (Years 2018-2023)
5.49%*
Personal Loan
10.49%*
Share Secured Loan
3.50%*
Certificate Secured Loan
2.5%*
Above Rate on Certificate Used as Collateral
SafetyLine (Overdraft Protection)
15.00%*
My Credit Union Signature Visa Card
10.99%*
My Credit Union Platinum Visa Card
My Credit Union Classic Visa Card
Mortgage Loans

 

Vehicles older than 2017 are subject to a rate increase.

* APR is Annual Percentage Rate. Rate assumes Auto Pay(1) and is based on credit qualifications, term, and age of collateral. Rate subject to change.
Notes: (1) AutoPay takes your payment from an My Credit Union account or from your payroll at qualifying employers.

 

Business Loans APR*
My Credit Union offers Business Loans tailored to meet your specific needs! Loans are available for Equipment, Vehicles, Building Acquisitions, or Working Capital.
Contact My Credit Union's Call Center at 612.798.7100 or Toll Free at 800.967.7228 for more information.

 

Savings & Deposit Rates

Saving rates effective 1/1/23 and subject to change.
APY = Annual Percentage Yield

Savings Accounts1 Dividend Rate2 APY Minimum Daily Balance to Earn  Stated APY Minimum Opening Deposit
Regular Share
0.10%
0.10%
 No minimum $1.00
Membership Share 0.10% 0.10% No minimum $5.00
IRA Share 0.10% 0.10% No minimum N/A
Money Market
      (Below $5,000)		 0.30% 0.30% No minimum $5,000
Money Market
      ($5,000 - $24,999)		 0.60% 0.60% $5,000 $5,000
Money Market
     (Above $25,000)		 0.90% 0.90% $5,000 $5,000
Premium Money Market
    (below $25,000)		  0.60%  0.60%  No minimum  $25,000
Premium Money Market
    ($25,000 - $99,000)		 0.75% 0.75% $25,000 $25,000
Premium Money Market
    ($100,000 - $249,999)		 0.90% 0.90% $25,000 $100,000
Premium Money Market
    (above $250,000)		 1.00% 1.00% $25,000 $250,000

 

 

Checking Accounts1 Dividend Rate2 APY Minimum Daily Balance to Earn Stated APY Minimum Opening Deposit
Personal Checking 0.05% 0.05% $500 $25.00
Business Checking 0.05% 0.05% $2,500 $100.00

 

 

Share & IRA Certificates3 Minimum Balance Interest Rate
APY
6 Months (Not Available for IRA Certificates) $500 0.95% 0.95%
12 Months $500 1.15% 1.15%
24 Months $500 2.20% 2.22%
36 Months $500 2.35% 2.38%
48 Months $500 2.60% 2.63%
60 Months $500 3.00% 3.04%
       
6 Months (Not Available for IRA Certificates) $10,000 0.97% 0.97%
12 Months $10,000 1.17% 1.18%
24 Months $10,000 2.22% 2.24%
36 Months $10,000 2.37% 2.40%
48 Months $10,000 2.62% 2.65%
60 Months $10,000 3.02% 3.06%
       
6 Months (Not Available for IRA Certificates) $25,000 1.00% 1.00%
12 Months $25,000 1.20% 1.21%
24 Months $25,000 2.25% 2.27%
36 Months $25,000 2.40% 2.43%
48 Months $25,000 2.70% 2.73%
60 Months $25,000 3.10% 3.14%

 

1 = Fees could reduce earnings.
2 = Rate may change after account is opened.
3 = A penalty may be imposed for early withdrawal.

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