Members Choice rates: up to 4.07% APY
credit union · NCUA CHARTER 67508 · www.mccu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Savings Account | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Account | 4.00% | APY | 2026-11-01 | since 2026-11-01 | ||
| Student Saver Checking | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| CD Ladder-5 Month | 5 months | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month CD | 6 months | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month Jumbo CD | 6 months | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month Standard IRA CD | 6 months | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 Month Jumbo Promotional CD | 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 Month Promotional CD | 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 7-Month CD | 7 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Ladder-10 Month | 10 months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month CD | 1 year | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Jumbo CD | 1 year | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Standard IRA CD | 1 year | 2.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 14 Month Jumbo Promotional CD | 14 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 14 Month Promotional CD | 14 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 14-Month PROMO CD | 14 months | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Ladder-15 Month | 15 months | 3.51% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month CD | 18 months | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Jumbo CD | 18 months | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Standard IRA CD | 18 months | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| CD Ladder-20 Month | 20 months | 3.51% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month CD | 2 years | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Jumbo CD | 2 years | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Standard IRA CD | 2 years | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month CD | 3 years | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Jumbo CD | 3 years | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Standard IRA CD | 3 years | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month CD | 4 years | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Jumbo CD | 4 years | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Standard IRA CD | 4 years | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month CD | 5 years | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Jumbo CD | 5 years | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Standard IRA CD | 5 years | 2.50% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Fixed Rate - Classic Money Market | $2,000 - $9,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate - Classic Money Market | $10,000 - $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Fixed Rate - Classic Money Market | $50,000 and higher | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Variable Rate - Maximum Money Market™ | $0.01 - $49,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Variable Rate - Maximum Money Market™ | $50,000 - $149,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Variable Rate - Maximum Money Market™ | $150,000 - $299,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Variable Rate - Maximum Money Market™ | $300,000 - $499,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Variable Rate - Maximum Money Market™ | $500,000 - $999,999.99 | 1.26% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Variable Rate - Maximum Money Market™ | $1,000,000 and higher | 2.27% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | $0.01 - $1,999.99 | 4.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Classic Checking (no longer offered) | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.mccu.com/access/consumer-deposit-rates | 2026-11-02 01:04 UTC | ok | fe73b76b4b22 |
| info.mccu.com/high-yield-savings-2025 | 2026-11-02 01:04 UTC | ok | 42dfb63f3514 |
| www.mccu.com/personal/cd-ladder | 2026-11-02 01:04 UTC | ok | 20e9f1ab6760 |