Savings Rates

The following Annual Percentage Yields are set by the Board of Directors and are subject to change at any time. Rates effective January 1, 2017.

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SHARE CERTIFICATES OF DEPOSIT
Term Rate APY* Minimum Opening Deposit Minimum Balance for Dividends
60 Months  1.24% 1.25% F $500.00 $500.00 
48 Months 0.75% 0.75% F $500.00 $500.00
36 Months 0.60% 0.60% F $500.00 $500.00
24 Months 1.18% 1.19% V** $500.00 $500.00
24 Months 0.35% 0.35% F $500.00 $500.00
18 Months 0.30% 0.30% F $500.00 $500.00
12 Months 0.25% 0.25% F $500.00 $500.00
9 - 11 Months 0.20% 0.20% F $500.00 $500.00
6 - 8 Months 0.15% 0.15% F $500.00 $500.00
3 Months 0.15% 0.15% F $500.00 $500.00
Early withdrawals on Share Certificates with terms 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. Mutual Security limits the aggregate deposit balance of a member to $250,000 unless approved by Management in advance.
SPECIAL 61-MONTH STEP-UP1 CERTIFICATES OF DEPOSIT
Term Rate APY Minimum Opening Deposit Minimum Balance for Dividends
61 Months 1.59% 1.60% F $500.00 $500.00
1 Step-Up = A Step-Up is the equivalent of a one-time rate adjustment. *APY = Annual Percentage Yield. Deposits must be new money from non-MSCU accounts. Minimum deposit is $500. 61 month term. The annual percentage yield you will earn assumes dividends remain until maturity. Early withdrawals will incur a penalty of 180 days of dividends whether earned or not. Rate effective 01/01/2017. You choose when to exercise the rate adjustment. When taking advantage of the step-up option, Share Certificates with a 61 month term may make a rate adjustment to a rate offered with a current traditional 60 month term. Rate adjustment will not extend the original maturity. Offer may be withdrawn at any time without notice. Membership in MSCU is required with a minimum $5 deposit into a Membership Account.
SPECIAL 61-MONTH STEP-UP1 IRA CERTIFICATES OF DEPOSIT
Term Rate APY Minimum Opening Deposit Minimum Balance for Dividends
61 Months 1.79% 1.80% F $500.00 $500.00
1 Step-Up = A Step-Up is the equivalent of a one-time rate adjustment. *APY = Annual Percentage Yield. Deposits must be new money from non-MSCU accounts. Minimum deposit is $500. 61 month term. The annual percentage yield you will earn assumes dividends remain until maturity. Early withdrawals will incur a penalty of 180 days of dividends whether earned or not. Rate effective 01/01/2017. You choose when to exercise the rate adjustment. When taking advantage of the step-up option, IRA Share Certificates with a 61 month term may make a rate adjustment to a rate offered with a current traditional 60 month term. Rate adjustment will not extend the original maturity. Offer may be withdrawn at any time without notice. Membership in MSCU is required with a minimum $5 deposit into a Membership Account.
SPECIAL 17-MONTH IRA CERTIFICATES OF DEPOSIT
Term Rate APY Minimum Opening Deposit Minimum Balance for Dividends
17-Months 1.24% 1.25% $500.00 $500.00
*APY = Annual Percentage Yield. Deposits must be new money from non-MSCU accounts. Minimum deposit is $500. 17 month term. The annual percentage yield you will earn assumes dividends remain until maturity. Early withdrawals on IRA Share Certificates with terms 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. Rate effective 01/01/2017.  Offer may be withdrawn at any time without notice. Membership in MSCU is required with a minimum $5 deposit into a Membership Account.
SPECIAL SHARE CERTIFICATES OF DEPOSIT
Term Rate APY Minimum Opening Deposit Minimum Balance for Dividends
17 Months 1.16% 1.17% F $500.00 $500.00
*APY = Annual Percentage Yield. Minimum deposit is $500 per social security number. Deposits must be new money from non-MSCU accounts. 17 month terms. The annual percentage yield you will earn assumes dividends remain until maturity. Early withdrawals on IRA Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not. Rates effective 01/01/2017. Offer also available for IRAs (Individual Retirement Accounts). Offer may be withdrawn at any time without notice. Membership in MSCU is required with a minimum $5 deposit into a Membership Account.
STARTER SHARE CERTIFICATES OF DEPOSIT
Term Rate APY Maximum Opening Deposit Minimum Balance for Dividends
18 Months 1.00% 1.00% F $100.00 NA
Maximum Opening Deposit $100. A minimum Direct Deposit of at least $10 per week is required. Maximum Direct Deposit $25 per week. There is a limit of 2 withdrawals (with penalty) during the term. A third withdrawal will result in a penalty plus a closed account. Offer may be withdrawn at any time without notice. One Starter certificate per social security number. Upon certificate maturity payroll deduction will discontinue. Membership in Mutual Security required with a minimum $5 deposit into a membership account.
YOUTH SHARE CERTIFICATES OF DEPOSIT
Term Rate APY Minimum Opening Deposit Minimum Balance for Dividends
24 Months 1.18% 1.19% V** No Minimum NA
Early withdrawals on Share Certificates with terms 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. Mutual Security limits the aggregate deposit balance of a member to $250,000 unless approved by Management in advance.
INDIVIDUAL RETIREMENT ACCOUNT (IRA) CERTIFICATES OF DEPOSIT
-Roth, Educational, Traditional-
Term Rate APY Minimum Opening Deposit Minimum Balance for Dividends
60 Months  1.24% 1.25% F $500.00 $500.00 
48 Months 0.75% 0.75% F $500.00 $500.00
36 Months 0.60% 0.60% F $500.00 $500.00
24 Months 1.18% 1.19% V** $500.00 $500.00
24 Months 0.35% 0.35% F $500.00 $500.00
18 Months 0.30% 0.30% F $500.00 $500.00
12 Months 0.25% 0.25% F $500.00 $500.00
Early withdrawals on IRA Certificates with terms less than 12 months will incur a penalty of 90 days of dividends, whether earned or not. Early withdrawals on IRA 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. Mutual Security limits the aggregate deposit balance of a member to $250,000 unless approved by Management in advance.
HEALTH SAVINGS ACCOUNTS (HSA)
Rate APY Daily Balance
1.00% 1.00% V $2,500 and Up
0.50% 0.50% V $25.00 - $2,499.99
Account Closing Fee $35.00. Rate effective 01/01/2017.
SAVINGS ACCOUNTS
ACCOUNT Rate APY Minimum Opening Deposit Minimum Balance for Dividends
SAVINGS ACCOUNT  0.025% 0.025% V $5.00 $100.00 
If balance falls below $5, a $3.00 monthly fee is charged.
HOLIDAY CLUB 0.025% 0.025% V $5.00 $100.00 
Withdrawals are limited to two per year.
VACATION CLUB 0.025% 0.025% V $5.00 $100.00 
No withdrawal limitations.
MONEY MARKET ACCOUNTS
Rate APY Minimum Opening Deposit Daily Balance
0.25% 0.25% V $2,500.00 $100,000 & Up
0.15% 0.15% V $2,500.00 $50,000 - $99,999.99
0.10% 0.10% V $2,500.00 $2,500 - $49,999.99
Balances between $1,000 and $2,500 earn regular savings rate. Balances under $1,000 earn no dividends. A $1.00 fee is charged when balance falls below $300.
INDIVIDUAL RETIREMENT MONEY MARKET ACCOUNTS
Rate APY Daily Balance
0.25% 0.25% V $100,000 & Up
0.15% 0.15% V $50,000 - $99,999.99
0.10% 0.10% V $50.00 - $49,999.99
= Fixed Rate, = Variable Rate *APY - Annual Percentage Yield **Variable APY is based on the prior month 24-Month Treasury bill plus .05%, and can change monthly during the term. Mutual Security limits the aggregate deposit balance of a member to $250,000 unless approved by Management in advance.