Share and Deposit Rates
Rates effective as of September 30, 2008
| Regular Savings | Dividend Rate | Annual Percentage Yield | Minimum Balance Required |
| Primary Savings | 0.80% | 0.80% | $100 ($25 Minimum for Membership) |
| Secondary Savings | 0.80% | 0.80% |
Credit union deposits are federally insured by the NCUA.
Annual Percentage Yield (APY) may change without notice.
Fee could reduce the earnings on the account, if applicable.
Checking Accounts
| Checking | Dividend Rate | Annual Percentage Yield | Minimum Balance Required |
| Convenience Checking* | 0.25% | 0.25% | $500.00 |
| Advantage Checking* | 0.25% | 0.25% | $2,500.00 |
| Advantage Plus* | 0.25% | 0.25% | $10,000.00 |
*Based on combined deposit balance.
Click Here for details.
Money Market Checking Accounts
| Money Market | Dividend Rate | Annual Percentage Yield |
| $2,500 to $9,999 | 0.50% | 0.50% |
| $10,000 to $19,999 | 1.54% | 1.55% |
| $20,000 to $49,999 | 1.79% | 1.80% |
| $50,000 to $99,999 | 2.08% | 2.10% |
| $100,000+ | 2.62% | 2.65% |
Money Market Accounts
| Money Market | Dividend Rate | Annual Percentage Yield |
| Less than $2,500 | 0.25% | 0.25% |
| $2,500 to $19,999 | 1.69% | 1.70% |
| $20,000 to $49,999 | 2.28% | 2.30% |
| $50,000 to $99,999 | 2.57% | 2.60% |
| $100,000 to $249,999 | 3.11% | 3.15% |
| $250,000+ | 3.25% | 3.30% |
IRA Money Market Accounts
| Money Market | Dividend Rate | Annual Percentage Yield |
| Less than $2,500 | 0.90% | 0.90% |
| $2,500 to $19,999 | 1.69% | 1.70% |
| $20,000 to $49,999 | 2.28% | 2.30% |
| $50,000 to $99,999 | 2.57% | 2.60% |
| $100,000 to $249,999 | 3.11% | 3.15% |
| $250,000+ | 3.25% | 3.30% |
same as the minimum amount to open the account.
Term Deposits (Traditional, Roth, & IRA)
Penalties for withdrawing funds before the end of the designated term may apply.
Fee could reduce the earnings on the account, if applicable.
| Term Deposits | Dividend Rate | Annual Percentage Yield | Minimum Balance Required |
| 6 Month | 3.30% | 3.35% | $1,000 |
| 9 Month Special | 3.93% | 4.00% | $1,000 |
| 12 Month | 3.54% | 3.60% | $1,000 |
| 15 Month Special | 4.17% | 4.25% | $1,000 |
| 18 Month | 3.54% | 3.60% | $1,000 |
| 24 Month | 3.59% | 3.65% | $1,000 |
| 30 Month | 3.64% | 3.70% | $1,000 |
| 3 Year | 3.93% | 4.00% | $1,000 |
| 4 Year | 4.22% | 4.30% | $1,000 |
| 5 Year | 4.60% | 4.70% | $1,000 |
Youth Term Deposits
| Youth Term Deposits | Dividend Rate | Annual Percentage Yield | Minimum Balance Required |
| 12 Month | 3.54% | 3.60% | $25.00 |
| 24 Month | 3.59% | 3.65% | $25.00 |
| 3 Year | 3.69% | 3.75% | $25.00 |
| 4 Year | 3.93% | 4.00% | $25.00 |
| 5 Year | 4.51% | 4.60% | $25.00 |
Loan Rates
Rates effective as of September 30, 2008
Loan rates are based on credit history and account relationship with MACU.
Annual Percentage Rate (APR) may change without notice.
Auto/Van/Truck Loans
1/4% Discount for members with Advantage Checking.
1/2% Discount for members with Advantage Plus Checking.
| Auto/Van/Truck Loans | Approx. Term | Fixed APR |
| New Auto | 60 Mos. | As low as 6.25% |
| New Auto | 72 Mos. | As low as 6.50% |
| Used Auto (1-3 years) | 60 Mos. | As low as 6.25% |
| Used Auto (4-5 years) | 48 Mos. | As low as 6.25% |
| Used Auto (6-7 years) | 36 Mos. | As low as 6.25% |
| Used Auto (8+ years) | 36 Mos. | As low as 9.90% |
Recreational Vehicle Loans
| RV Loans | Approx. Term | Fixed APR |
| RV Rates | Up to 144 months | As low as 7.50% |
For more information, please call 1-800-748-4302
Signature Loans
1/4% Discount for members with Advantage checking.
1/2% Discount for members with Advantage Plus checking.
| Signature Loans | Approx. Term | Fixed APR |
| Signature | 36 mos. | As low as 12.00% |
Lines of Credit & Credit Cards
| Lines of Credit | Annual Fee | Fixed APR | Flex. APR | Min. APR | Max. APR |
| Visa Classic | No annual fee | 12.90% | |||
| Visa Classic Reward | No annual fee | 12.50% (Variable) | |||
| Visa Gold | No annual fee | 11.90% | |||
| Visa Gold Rewards | No annual fee | 10.75% (Variable) | |||
| Visa Platinum | No annual fee | 9.40% | |||
| Visa Platinum Rewards | No annual fee | 8.75% (Variable) | |||
| Business Platinum Visa | No annual fee | 10.50% (Variable) | |||
| Business Platinum Rewards Visa | $65 | 12.50% (Variable) |
Mortgage Loans
Visit our Mortgage Section for all mortgage rates
Home Equity Loans
*Rates vary upon loan to value and credit.
$150,000 maximum loan value.
| Home Equity Loans | Fixed APR |
| 2nd Mortgage (Up to 80%) | As low as 7.00% |
| 2nd Mortgage (80%-90%) | As low as 8.00% |
Home Equity Line of Credit
*Rates vary upon loan to value and credit.
$150,000 maximum loan value.
| Home Equity Line of Credit | Flex. APR | Min. APR | Max. APR |
| Equity Gold (Up to 80%) | As low as 5.00% | 0% | 18.00% |
| Total Equity Gold (80%-90%) | As low as 5.75% | 0% | 18.00% |
Misc. Secured
| Misc. Secured | Approx. Term | Fixed APR | Flex. APR | Min. APR | Max. APR |
| Savings Share Secured | Variable | Share Dividend Rate Plus 3% | 3.00% | 18.00% | |
| Term Deposit Share Secured | Fixed | Rate of Term deposit plus 3% |
Computer Loans
| Computer Loans | Approx. Term | Fixed APR |
| State Employee Computer | 36 mos. | 6.30% |
