| Name | Term | Rate | APY* | Min. Opening Deposit | Min. Balance for Dividends |
|---|---|---|---|---|---|
| CDs Only* | 03 Months | 0.50% | 0.50% F | $500.00 | $500.00 |
| CDs Only* | 06 Months | 0.50% | 0.50% F | $500.00 | $500.00 |
| CDs Only* | 09 Months | 0.75% | 0.75% F | $500.00 | $500.00 |
| CD SPECIAL*** | 10-Month | 3.98% | 4.15% F | $500.00 | $500.00 |
| CDs Only* | 12 Months | 1.00% | 1.00% F | $500.00 | $500.00 |
| CD/IRA SPECIAL** | 16 Month | 3.54% | 3.60% F | $500.00 | $500.00 |
| CD/IRA* | 18 Months | 1.00% | 1.00% F | $500.00 | $500.00 |
| CD/IRA* | 24 Months | 1.00% | 1.00% F | $500.00 | $500.00 |
| CD/IRA* | 36 Months | 1.00% | 1.00% F | $500.00 | $500.00 |
| CD/IRA* | 48 Months | 1.00% | 1.00% F | $500.00 | $500.00 |
| CD/IRA* | 60 Months | 1.00% | 1.00% F | $500.00 | $500.00 |
*Early withdrawals on Share Certificates with terms of less than 12 months will incur a penalty of 90 days of dividends, whether earned or not. Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not. Members age 59.5 or older making normal periodic withdrawals or receiving periodic payments from their IRA Certificates are exempt.
**APY = Annual Percentage Yield. Minimum deposit is $500. APY Rate requires the member to have or open an Elevated Checking Account. Without an Elevated Checking Account APY will be 3.50%. The annual percentage yield you will earn assumes dividends remain until maturity. New money and existing funds. Early withdrawals on Share Certificates with terms of less than 12 months will incur a penalty of 90 days of dividends, whether earned or not. Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not. Offer may be withdrawn at any time without notice. Membership in MSCU is required with a minimum $5 deposit into a Membership Account. Rate effective January 1, 2025.
***APY = Annual Percentage Yield. Minimum deposit is $500. APY Rate requires the member to have or open an Elevated Checking Account. Without an Elevated Checking Account APY will be 4.05%. The annual percentage yield you will earn assumes dividends remain until maturity. Early withdrawals on Share Certificates with terms of less than 12 months will incur a penalty of 90 days of dividends, whether earned or not. Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not. New or existing money accepted. Offer may be withdrawn at any time without notice. Membership in MSCU is required with a minimum $5 deposit into a Membership Account. Rates effective April 1, 2025.
| Name | Rate | APY* |
|---|---|---|
| Elevated Checking | 0.025% | 0.025% |
*Fees may reduce earnings. Please refer to our current Fee Schedule for more details.
| Name | Rate | APY* | Min. Opening Deposit | Min. Balance for Dividends |
|---|---|---|---|---|
| Vacation Club* | 0.10% | 0.10% | $5.00 | $100.00 |
| Savings Account | 0.10% | 0.10% | $5.00 | $100.00 |
| Holiday Club** | 0.10% | 0.10% | $5.00 | $100.00 |
| Progressive Savings | Tier 1*** | 4.03% | 4.11% | n/a | $0.00 - $5,000.00 |
| Progressive Savings | Tier 2*** | 1.78% | 1.79% | n/a | $5,000.00 - $10,000.00 |
| Progressive Savings | Tier 3*** | 0.40% | 0.40% | n/a | Over $10,000.00 |
*No withdrawal limitations.
**Up to two withdrawals per year.
***APY = Annual Percentage Yield. No minimum balance requirement. No monthly service fees. Low opening deposit of $100 (new money only). This account will earn 4.24% APY/4.16% APR on balances up to $5,000. Balances between $5,000 -$10,000 will earn 1.93% APY/1.91% APR. Balances over $10,000 will earn 0.40% APY/APR. Limit 1 Progressive Savings per primary account holder. Offer may be withdrawn at any time without notice. Membership in MSCU is required with a $5 deposit into a Membership Account. Rates effective 1.1.2025.
| Name | Rate | APY* | Min. Opening Deposit | Daily Balance |
|---|---|---|---|---|
| Personal Money Market* | 0.25% | 0.25% | $2,500 | $100,000 & Up |
| Personal Money Market* | 0.25% | 0.25% | $2,500 | $50,000 - $99,999.99 |
| Personal Money Market* | 0.25% | 0.25% | $2,500 | $2,500 - $49,999.99 |
| Business Money Market** | 0.05% | 0.05% | $50,000 & Up | |
| Business Money Market** | 0.05% | 0.05% | $10,000 - $49,999.99 | |
| Business Money Market** | 0.05% | 0.05% | $1,000 - $9,999.99 | |
| Money Market Special*** | 3.20% | 3.25% | $2,500 |
*Balances between $1,000 and $2,500 earn regular savings rate. Balances under $1,000 earn no dividends. Fees may reduce earnings.
**No dividends are earned on balances less than $1,000. Fees may reduce earnings.
***APY = Annual Percentage Yield Rate is effective as of 1.1.2025 and is subject to change thereafter. Minimum deposit is $2,500 on new money only. Existing funds can be added during term. Only funds not currently on deposit at MSCU are eligible. A minimum $5 balance in your membership share savings account is required. After the promotional period ends, the rates of the Promotional Money Market Savings account will be the standard rates and tiers currently in effect at that time. We reserve the right to convert your Promotional Money Market Savings account to a standard Money Market Savings account without prior notice. Offer is subject to change without notice and funds may be withdrawn at any time without a penalty. Other restrictions may apply. See us for further details.
| Name | Rate | APY* | Daily Balance |
|---|---|---|---|
| Health Savings Accounts (HSA) | 0.05% | 0.05% | $25.00 - $2,499.99 |
| Health Savings Accounts (HSA) | 0.05% | 0.05% | $2,500 and Up |
Account Closing Fee $35.00.