Rates

Current Rates

Rates Effective: October 18, 2024
Rates are subject to change.

Loan Type APR as low as
Auto Loans  5.74%*  
Recreational Loans 6.24%*  
Personal Loans 12.99%*  
Share Secured Loans 3.50%*  
Certificate Secured Loans   ^ Certificate Rate + 2.5%
Signature Rewards Visa Credit Card 10.99%* Visa Credit Card Disclosure
Platinum Rewards Visa Credit Card 9.90%* Visa Credit Card Disclosure
Classic Rewards Visa Credit Card 12.99%* Visa Credit Card Disclosure
Mortgage Loans — MY CREDIT UNION Mortgage Center

Vehicles 2018 and older 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. (1) AutoPay takes your payment from an MY CREDIT UNION account or from your payroll at qualifying employers.

 

Savings Accounts Dividend Rate 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% $25,000 $25,000
Premium Money Market ($25,000 - $99,000) 0.90% 0.90% $25,000 $25,000
Premium Money Market ($100,000 - $249,999) 1.20% 1.20% $100,000 $100,000
Premium Money Market (above $250,000) 1.45% 1.45% $250,000 $250,000
Checking Accounts Dividend Rate 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 Certificates Minimum Balance Interest Rate APY
6 Months $500 0.95% 0.95%
11 Months* $500 4.51% 4.60%
12 Months $500 1.25% 1.26%
24 Months* $500 3.90% 3.97%
36 Months $500 2.65% 2.68%
48 Months $500 2.95% 2.99%
60 Months $500 3.60% 3.66%
6 Months $10,000 0.97% 0.97%
11 Months* $10,000 4.51% 4.60%
12 Months $10,000 1.27% 1.28%
24 Months* $10,000 3.90% 3.97%
36 Months $10,000 2.97% 2.70%
48 Months $10,000 2.97% 3.01%
60 Months $10,000 3.62% 3.68%
6 Months $25,000 1.00% 1.00%
11 Months* $25,000 4.51% 4.60%
12 Months $25,000 1.30% 1.31%
24 Months* $25,000 3.90% 3.97%
36 Months $25,000 2.70% 2.73%
48 Months $25,000 3.00% 3.04%
60 Months $25,000 3.65% 3.71%

*Certificate of Deposit Special!

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

Loan Payment Calculator

*Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us.

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Business Loans

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.

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