Mechanics Cooperative Bank rates: up to 4.15% APY
bank · FDIC CERT 26634 · www.mechanics.bank/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club (Passbook) | $10.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Classic Savings (Passbook) | $100.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Choice Savings | $25 min to open; $5,000 min balance to avoid $27 monthly service fee | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account Terms | Under $100.00 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account Terms | $10,000.00 to $24,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account Terms | $25,000.00 to $49,999.99 | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account Terms | $50,000.00 – $99,999.99 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings | $100.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| e-Choice Savings | $100.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit Terms | 91 Days · $500.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 182 Days CD | $500.00 · 6 months | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Terms | 9 Months · $500.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 10 Month CD SPECIAL | $500.00 · 10 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Terms | 1 Year · $500.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 14 Month CD SPECIAL | $500.00 · 14 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Terms | 18 Months · $500.00 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Terms | 2 Years · $500.00 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 27 Month CD SPECIAL | $500.00 · 27 months | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Terms | 30 Months · $500.00 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Terms | 3 Years; Fixed Rate · $500.00 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| LIQUID CD: 3 Years; variable∞ | $500.00 · 3 years | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Terms | 4 Years · $500.00 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 Year Relationship CD | $500.00 · 5 years | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit Terms | 5 Years · $500.00 | 3.25% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Terms | Under $100.00 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Terms | $100.00 to $24,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Terms | $25,000.00 to $99,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Terms | $100,000.00 – $249,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Terms | $100,000.00 to $249,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Terms | $250,000.00 – $1,499,999.99 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Terms | $250,000.00 – $999,999.99 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Terms | $1,000,000.00 – $2,499,999.99 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Money Market | Over $2,500,000.00 | 4.05% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account Terms | Under $100 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account Terms | $100.00 to $4,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account Terms | $100.00 to $49,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account Terms | 18/65 Choice · $100.00 or more | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account Terms | Unlimited Choice NOW · $100.00 or more | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account Terms | $5,000.00 to $9,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account Terms | $10,000.00 to $24,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account Terms | $25,000.00 to $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account Terms | Premier Choice · Over $50,000.00 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Top Choice Checking | Over $50,000.00 | 2.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.mechanics.bank/personal/savings/ | — | pending | |
| www.mechanics.bank/personal/deposit-rates/ | 2026-11-01 23:33 UTC | ok | 89abb58405fc |
| www.mechanics.bank/personal/savings/certificates-of-deposit/ | — | pending |