Loan Rates

Auto Rates

Product
Term (months)
APR (As low as)
Product New Auto Loan
Term (months) 12 to 72
APR (As low as) 1.74%
Product Used Auto Loan
Term (months) 12 to 72
APR (As low as) 2.09%
APR is Annual Percentage Rate.  The lowest rate is the advertised rate.  Rate can vary based on creditworthiness and terms of the loan. Payment example:60 monthly payments of $17.86 per $1,000 borrowed at 2.74%APR. All rates subject change without notice and are subject to credit approval. 

Visa Credit Card Rates

Product
Term
APR (as low as)
Product Visa Credit Card
Term Revolving
APR (as low as) 10.74%
Product Visa Credit Card with Rewards
Term Revolving
APR (as low as) 12.74%
Product Introductory APR
Term 15 mos
APR (as low as) 0%
View details about our Visa 0% Introductory APR offer on purchases and balance transfers.  

The lowest rate is the advertised rate and can vary based on creditworthiness.  Please refer to the Visa Application Disclosure and Visa Credit Card Agreement for complete details. 

Home Equity Rates

Product
Term (months)
APR (as low as)
Product Home Equity Line of Credit
Term (months) Revolving
APR (as low as) 4.00%
Product 5 Yr. Home Equity Fixed Rate
Term (months) 12-60
APR (as low as) 4.99%
Product 10 Yr. Home Equity Fixed Rate
Term (months) 61-120
APR (as low as) 5.49%
APR is Annual Percentage Rate.  The lowest rate is the advertised. Rate can vary based on creditworthiness and terms of the loan. Home Equity services available for Illinois properties only.   All rates subject to change without notice and are subject to credit approval. Always consult your tax advisor about the deductibility of interest.  

Home Equity Fixed Rate Payment Example: 120 monthly payments of $10.86 per $1,000 borrowed at 5.49%APR

Home Equity Line of Credit additional terms: Your APR is variable and may change monthly. The maximum APR that may be imposed is 14.50%.  The lowest Annual Percentage Rate(APR) on variable rate home equity lines of credit as of March 16, 2017 is 4.00% for lines of $10,000 or more with a loan-to-value ratio of 80% or less. The APR on variable rate lines is indexed to the Prime Rate as published in The Wall Street Journal, and may increase or decrease. Prime was 4.00% as of March 16, 2017. The APR can not increase by more than 7.000 percentage points above the initial rate. There is a $30 annual fee on lines of credit. Minimum Payment Requirements: During the 15 year Draw Period as defined in the loans terms and conditions, payments will be due monthly.  The minimum monthly payment will equal the greater of the following:the amount of accrued finance charges on the last day of the billing cycle; $100.00; or 1.000 percent of the principal balance outstanding on the last day of the billing cycle. Please refer to the loan agreement for full details regarding Home Equity Line of Credit payments and draw periods. 

Personal Loan Rates

Product
Term (months)
APR (as low as)
Product Share Secured
Term (months) 12-60
APR (as low as) 3.03%
Product Personal Loan
Term (months) 12-48
APR (as low as) 8.99%
APR is Annual Percentage Rate. All rates subject to change without notice and subject to credit approval. 

Share Secured:  Payment Example:
48 monthly payments of $22.15 per $1,000 borrowed at 3.03%APR

Personal Loan:  The lowest rate is the advertised rate. Rate can vary based on creditworthiness and terms of the loan. Payment Example:48 monthly payments of $32.74 per $1,000 borrowed at 10.99%APR 

Mortgage Rates

Please call 800-662-2772 for today's mortgage rates

Savings Rates

Money Market

Account Type
Dividend Rate
APY
Minimum Balance
Account Type Tiered Money Market
Dividend Rate 0.09%
APY 0.09%
Minimum Balance $1,500 and up
Tiered Money Market: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Maintenance fees may reduce earnings.

Savings

Account Type
Dividend Rate
APY
Minimum Balance
Account Type Membership Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $5 and up
Account Type Membership Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $5,000-$9,999
Account Type Membership Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $10,000-$49,999
Account Type Membership Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $50,000 and up
Account Type Regular Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $0
Account Type Christmas Club
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $0
Membership Savings (inc. Membership Savings Builder), Regular Savings, and Christmas Club Accounts: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Maintenance fees may reduce earnings.

IRA

Account Type
Dividend Rate
APY
Minimum Balance
Account Type IRA Savings
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $1
IRA Savings: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Maintenance fees may reduce earnings.

Health Savings Accounts

Account Type
Dividend Rate
APY
Minimum Balance
Account Type Health Savings Account
Dividend Rate 0.03%
APY 0.03%
Minimum Balance $0
Health Savings Account: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Maintenance fees may reduce earnings.

Checking

Account Type
Dividend Rate
APY
Minimum
Account Type MCU Checking (High-Tier)
Dividend Rate 0.05%
APY 0.05%
Minimum Up to $25,000
Account Type MCU Checking (High-Tier)
Dividend Rate 0.01%
APY 0.01%
Minimum Above $25,000
Account Type MCU Checking (MId-Tier)
Dividend Rate 0.05%
APY 0.05%
Minimum Up to $25,000
Account Type MCU Checking (Mid-Tier)
Dividend Rate 0.01%
APY 0.01%
Minimum Above $25,000
Account Type MCU Checking
Dividend Rate 0.01%
APY 0.01%
Minimum $0
** MCU Checking: Dividend Rates and Annual Percentage Yields (APY) may change at any time. Accounts are compounded monthly. Balances up to $25,000 will earn the stated higher dividend rate and the portion of the balance over $25,000 will earn the stated rate when the following monthly requirements are met: For Mid-Rate Tier, must be enrolled in eStatements; have a direct deposit OR an ACH credit or debit post to the account, and complete ten (10) signature-based debit card transactions OR $1,000 or more in debit card signature-based transactions. For the High-Rate Tier, must be enrolled in eSubscriptions; have a direct deposit OR an ACH credit or debit post to the account, and complete twenty (20) signature-based debit card transactions OR $2,000 or more in debit card signature-based transactions. Qualifying transactions must post to account during the calendar month. Accounts not meeting all monthly requirements will earn the lowest stated rate. Maintenance fees may reduce earnings.

Certificates & IRA Certificates

Term
Dividend Rate
APY
Minimum Balance
Term 1 Year
Dividend Rate 0.15%
APY 0.15%
Minimum Balance $500
Term 2 Years
Dividend Rate 0.25%
APY 0.25%
Minimum Balance $500
Term 3 Years
Dividend Rate 0.35%
APY 0.35%
Minimum Balance $500
Term 4 Years
Dividend Rate 0.50%
APY 0.50%
Minimum Balance $500
Term 5 Years
Dividend Rate 0.60%
APY 0.60%
Minimum Balance $500
MCU Saving Certificate (Term) Accounts: The Annual Percentage Yield assumes funds and accrued dividends stay on deposit until maturity. Dividend Rate is fixed for the term of the certificate.  A penalty may be imposed for early withdrawal.