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MECU Deposit Rates

Complete Rate Schedule for Dividend and Interest-Bearing MECU Accounts

All rates below are current as of the dates listed. Posted rates are subject to change.

Savings Accounts *

Rates as of:  
Account Type Dividend / Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
Share Savings0.20%0.20%$5 †
Holiday Savings0.20%0.20%$5 †
PAY: Pay All Year Savings0.20%0.20%$5 †
RealSaver**
Balances up to $20,0000.74%0.75%$5
Amount of balance over $20,0000.49%0.50%$5

*   Fees could reduce the earnings on these accounts. Rate subject to change following account opening.
** RealSaver accounts may only be opened in conjunction with a CashBack Checking or RewardChecking product. Higher interest rates and yields are earned when qualifications are met during the monthly cycle. RealSaver Accounts will receive a rate of 0.10% APY if qualifications are not met in the cycle.
†   Minimum balance in order to earn interest.

Checking Accounts *

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
Free Checking0.10%0.10%$25
CashBack Checking0%0%$25
RewardChecking**
Balances from $0.00 to $9,999.992.48%2.51%$25
Amount of Balance $10,000.00 and over0.74%0.75%$25

*   Fees could reduce the earnings on these accounts. Rate subject to change following account opening.

** Higher interest rates and yields are earned when qualifications are met during the monthly cycle. RewardChecking Accounts will receive a rate of 0.10% APY if qualifications are not met in the cycle.

Money Market Account *

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
Less than $5000%0%$500 †
$500 - $9,999.990.20%0.20%$500 †
$10,000 - $24,999.990.25%0.25%$500 †
$25,000 - $49,999.990.30%0.30%$500 †
$50,000 - $74,999.990.30%0.30%$500 †
$75,000 - $99,999.990.35%0.35%$500 †
$100,000 or more0.45%0.45%$500 †

* Fees could reduce the earnings on the account. The rate may change after the account is opened.

† Minimum balance in order to earn stated APY.

Premier Money Market Account *

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
Less than $5000.05%0.05%$50,000 †
$500 - $9,999.990.20%0.20%$50,000 †
$10,000 - $49,999.990.25%0.25%$50,000 †
$50,000 - $99,999.990.35%0.35%$50,000 †
$100,000 - $149,999.990.45%0.45%$50,000 †
$150,000 - $499,999.990.45%0.45%$50,000 †
$500,000 - $2,499,999.990.45%0.45%$50,000 †
$2,500,000 or more0.55%0.55%$50,000 †

* Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.

† Minimum balance in order to earn stated APY.

Certificates of Deposit Fixed, IRA or Roth IRA * (Regular CD)

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
(Regular CD)
60-month1.79%1.80%$500 †
48-month1.54%1.55%$500 †
36-month1.19%1.20%$500 †
24-month1.10%1.10%$500 †
18-month0.90%0.90%$500 †
12-month0.75%0.75%$500 †
9-month0.65%0.65%$500 †
6-month0.50%0.50%$500 †

* Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.

† Minimum balance in order to earn stated APY.

SuperFlex CD *

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
11-month0.60%0.60%$5000 †

* Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date. Only one withdrawal without paying a penalty will be permitted with the SuperFlex CD; the balance remaining must be at least $1,000.

† Minimum balance to earn interest on SuperFlex CD is $1,000.

Certificates of Deposit * Regular or IRA ** (Bump-Up CD)

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
(Bump-Up CD)
60-month1.69%1.70%$500 †
48-month1.49%1.50%$500 †
36-month1.10%1.10%$500 †
24-month1.00%1.00%$500 †

*   Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.

** Excludes Roth IRA

†   Minimum balance in order to earn interest.

Certificate of Deposit* Fixed or IRA** (Auto-Build)

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
12 Months
$25 to $499.990.65%0.65%$25 †
$500 to $4,999.990.75%0.75%$25 †
$5,000 or more0.75%0.75%$25 †
24 Months
$25 to $499.990.90%0.90%$25 †
$500 to $4,999.991.10%1.10%$25 †
$5,000 or more1.10%1.10%$25 †

*   Early withdrawal penalty may be imposed for withdrawal of principal before the maturity date.

** Excludes Roth IRA

†   Minimum balance in order to earn interest.

IRA Savings Accounts*

Rates as of:  
Account Type Interest Rate Annual Percentage Yield (APY) Minimum Initial Deposit
Traditional0.20%0.20%$25 †
Roth0.20%0.20%$25 †
ESA2.09%2.11%$25 †

* Early withdrawal penalties may reduce the earnings on the account. The rate may change after the account is opened.

† Minimum balance in order to earn interest.

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