Establish your membership and dive right into credit union benefits
Invest only $5 to access priceless credit union resources and support in addition to competitive dividends earned.
Benefits You’ll Love
- Easily establish credit union membership
- Earn competitive dividends on savings balance
- Access cash when you need it most with 6 free withdrawals
- No monthly fees or minimum balance requirements
- Dividends are compounded and paid monthly based on your average daily balance
- Free digital banking services, including:
- Free online banking
- Free mobile banking
- Free eStatements
- $5 minimum deposit establishes your membership with MCT Credit Union and represents one ownership share in the Credit Union. This deposit is held to maintain that ownership for the duration of your relationship with MCT.
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Do I have to open a membership share?
Yes, this account establishes your membership and represents one ownership share in the Credit Union.
What happens to my $5 if I close my membership?
If you choose to end your membership with MCT and close your accounts, your $5 would be released back to you upon membership closure in the form of cash or check.
*Rates, terms, and conditions are subject to change. Penalty may apply for early withdrawals. Refer to MCTCU's "All About Your Account" Disclosure for additional terms and conditions. A dividend rate is an annualized rate of interest approved by the Board of Directors and paid the same on all similar type accounts. APY (Annual Percentage Yield) - Expressed as a percentage: reflects the total amount of interest that would be received on a deposit, based on the dividend rate and the frequency of compounding for a 365-day period.
American Share Insurance (ASI) insures the individual or joint share-type accounts up to $250,000 per account.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Credit Cards
| Card Type | Intro APR For initial 6 months* | APR for Purchases, Balance Transfers, & Cash Advance after intro APR if applicable* |
|---|---|---|
| VISA Platinum | 3.90% | 13.25% - 17.99% |
*Introductory APR applicable until the first day of the billing cycle includes the six-month anniversary date of the opening of your account. Restrictions apply to be eligible to receive the Introductory APR. Your exact rate is based on your creditworthiness. Ask a loan officer about the rate you qualify for. The periodic rate used to compute the FINANCIAL CHARGE for purchases is based on an index (the “Index”), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly.
Kasasa Cash*
| Level 1 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $5 | 2.48% | 2.51% |
| $15,000+ | $5 | 0.50% | 2.51% to 0.76% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
| Level 2 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $5 | 5.85% | 6.01% |
| $15,000+ | $5 | 0.50% | 6.01% to 1.22% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
Qualifications
It is so easy to qualify, you are probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
Level 1
- At least 10 debit card purchases
- At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
- Be enrolled in and agree to receive e-Statements
Level 2
- At least 30 debit card purchases
- At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
- Be enrolled in and agree to receive e-Statements
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $5 | 1.99% | 2.01% |
| $50,000+ | $5 | 0.50% | 2.01% to 1.00% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play account during each Monthly Qualification Cycle:
- At least 10 debit card purchases
- At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
- Be enrolled in and agree to receive e-Statements
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Personal Loans
| Loan Type | APR 0-24 months |
APR 25-36 months |
APR 37-48 months |
APR 49-60 months |
APR 61-72 months |
APR 73-120 months |
|---|---|---|---|---|---|---|
| Share (Savings) or CD Secured Loan | 2.00%+* | 2.00%+* | 2.00%+* | 3.00%+* | 3.00%+* | 4.00%+* |
| Signature Loan | 11.75% | 11.75% | 11.75% | 11.75% | N/A | N/A |
| Personal Line of Credit | 11.75% | 11.75% | 11.75% | 11.75% | 11.75 | 11.75% |
Longer-term options may be available. Ask an MCT Member Service Representative for details. APR = Annual Percentage Rate. The rates disclosed are current.
*Rates are 2.00%-4.00% above Savings or CD rate, depending on term.
Share Accounts
| Account | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| Business Checking Account | $5 | 0.13% | 0.13% |
| Member Share Savings Account | $5 | 0.20% | 0.20% |
| Christmas Club Savings Account | $5 | 0.20% | 0.20% |
| Money Market Account | $2,500 | 0.65% | 0.65% |
| IRA Savings | $5 | 0.20% | 0.20% |
Share Certificates
| Certificate Term | Dividend Rate | APY |
|---|---|---|
| Six month | 3.65% | 3.72% |
| One year | 4.25% | 4.34% |
| Two years | 3.10% | 3.15% |
| Three years | 3.15% | 3.20% |
| Four years | 3.15% | 3.20% |
| Five years | 3.25% | 3.56% |
Penalty for early withdrawal.
Sprout Savings
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $500 | $5 | 2.47% | 2.50% |
| $500.01 - $5,000.00 | $5 | 0.99% | 1.00% |
| $5000.01 - $10,000.00 | $5 | 0.75% | 0.75% |
| $10,000.01 or more | $5 | 0.20% | 2.50% to 0.20% |
- Members up to age 22 are eligible for Sprout Savings Account
- No monthly maintenance fees
- No minimum balance to earn rewards
Vehicle Loans
| Loan Type | APR 0-24 months |
APR 25-36 months |
APR 37-48 months |
APR 49-60 months |
APR 61-72 months |
|---|---|---|---|---|---|
| New Auto Loans | 5.25% | 5.25% | 5.25% | 5.50% | 5.99% |
| Used Auto Loans | 5.25% | 5.25% | 5.25% | 5.50% | 5.99% |
| Boat Loans | 6.25% | 6.25% | 6.25% | 6.25% | 6.75% |
| Travel Trailer Loans | 6.25% | 6.25% | 6.25% | 6.25% | 6.75% |
| Other Collateral Loans | 5.99% | 5.99% | 5.99% | 6.25% | 6.50% |
APR = Annual Percentage Rate. Rates disclosed may be different based on credit underwriting and/or elected loan protections. Rate discount of 1.00% available for the election of Warranty, Credit Life Insurance and Disbability Protection on qualified collateral loans. All loan rates are subject to change without prior notice. Maximum interest rate is 17.99%. Loan terms are dependent on amount financed and member/collateral. Membership required. Terms and conditions subject to change.