Deposit Account Rates | MTC Federal Credit Union

Deposit Account Rates

See current rates on all of our deposit accounts.

MTC Federal Credit Union helps you succeed financially by paying competitive rates on many of the share checking, savings and investment accounts we offer.

Checking Accounts

Rates Effective as of October 29, 2025.

Dividend Checking

Account Balance	Dividend Rates	Annual Percentage Yield (APY)
$300 - $2,499.99	0.05%	0.05%
$2,500 - $14,999.99	0.10%	0.10%
$15,000 - $49,999.99	0.10%	0.10%
$50,000 - $74,999.99	0.15%	0.15%
$75,000 - $99,999.99	0.20%	0.20%
$100,000 or more	0.30%	0.30%

E-Checking

Account Balance	Dividend Rates	Annual Percentage Yield (APY)
$1,500 - $2,499.99	0.05%	0.05%
$2,500 - $14,999.99	0.10%	0.10%
$15,000 - $49,999.99	0.10%	0.10%
$50,000 - $74,999.99	0.15%	0.15%
$75,000 - $99,999.99	0.20%	0.20%
$100,000 or more	0.30%	0.30%

View High Yield Account Rates and Fees

Savings Accounts

Share Savings Account

Account Balance	Dividend Rates	Annual Percentage Yield (APY)
$50 - $999.99	0.05%	0.05%
$1,000 - $7,499.99	0.10%	0.10%
$7,500 - $14,999.99	0.10%	0.10%
$15,000 - $49,999.99	0.10%	0.10%
$50,000 - $74,999.99	0.20%	0.20%
$75,000 - $99,999.99	0.30%	0.30%
$100,000 or more	0.40%	0.40%

Christmas Club Savings Account

Account Balance	Account Balance	Annual Percentage Yield (APY)
$5 - $999.99	0.05%	0.05%
$1,000 - $7,499.99	0.10%	0.10%
$7,500 - $14,999.99	0.10%	0.10%
$15,000 - $49,999.99	0.10%	0.10%
$50,000 or more	0.20%	0.20%

Custom Savings Account

Account Balance	Dividend Rates	Annual Percentage Yield (APY)
$5 - $999.99	0.05%	0.05%
$1,000 - $7,499.99	0.10%	0.10%
$7,500 - $14,999.99	0.10%	0.10%
$15,000 - $49,999.99	0.10%	0.10%
$50,000 or more	0.20%	0.20%

Youth Accounts

Children's Account

Account Balance	Dividend Rates	Annual Percentage Yield (APY)
$5 - $999.99	0.05%	0.05%
$1,000 - $7,499.99	0.10%	0.10%
$7,500 - $14,999.99	0.10%	0.10%
$15,000 - $49,999.99	0.10%	0.10%
$50,000 or more	0.20%	0.20%

Teen Account

Account Balance	Dividend Rates	Annual Percentage Yield (APY)
$5 - $999.99	0.05%	0.05%
$1,000 - $7,499.99	0.10%	0.10%
$7,500 - $14,999.99	0.10%	0.10%
$15,000 - $49,999.99	0.10%	0.10%
$50,000 or more	0.20%	0.20%

Money Market Accounts

Money Market Account

Money Market accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
Account Balance	Dividend Rates	Annual Percentage Yield (APY)
$2,000 - $14,999.99	1.00%	1.00%
$15,000 - $49,999.99	1.00%	1.00%
$50,000 - $74,999.99	1.20%	1.20%
$75,000 - $99,999.99	1.45%	1.45%
$100,000 or more	1.90%	1.91%

Money Market Account Plus

Money Market Plus accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
Account Balance	Dividend Rates	Annual Percentage Yield (APY)
$15,000 - $49,999.99	1.35%	1.35%
$50,000 - $74,999.99	1.55%	1.56%
$75,000 - $99,999.99	1.80%	1.81%
$100,000 or $249,999.99	2.25%	2.27%
$250,000 or more	2.50%	2.52%

Share Certificates

Specials

Quarterly Posted Dividend Certificates

**Auto renewal as follows: 7 Month Special auto renews to a regular 6 month term. 13 Month Special auto renews to a regular 12 month term. **Requires new money deposited on or after August 8, 2025 from another financial institution unless the opening balance is less than $10,000. Subject to penalty for early withdrawal. All Credit Union programs, rates, terms, and conditions are subject to change at any time and without notice. Other restrictions may apply.
Term (Months)	Compound Dividend Rate	Annual Percentage Yield (APY)
7 Month **	4.15%	4.22%
13 Month **	4.25%	4.32%

Share Certificates

Quarterly Posted Dividend Certificates

Rates are subject to change daily. Monthly Distributed Dividend Certificates are available. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
Term (Months)	Compound Dividend Rate	Annual Percentage Yield (APY)
3	2.55%	2.57%
6	3.10%	3.13%
12	3.40%	3.44%
18	3.20%	3.24%
24	3.10%	3.14%
30	3.05%	3.08%
36	3.05%	3.09%
48	3.05%	3.08%
60	2.80%	2.83%

Share Certificates Plus

Quarterly Posted Dividend Certificates

Rates are subject to change daily. Monthly Distributed Dividend Certificates are available. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
Term (Months)	Compound Dividend Rate	Annual Percentage Yield (APY)
3	2.75%	2.78%
6	3.30%	3.34%
12	3.60%	3.65%
18	3.40%	3.44%
24	3.30%	3.34%
30	3.25%	3.29%
36	3.25%	3.29%
48	3.25%	3.29%
60	3.00%	3.03%

IRAs

IRA Certificates

Minimum Balance $250

Quarterly Posted Dividend Certificates

Rates are subject to change daily. Monthly Distributed Dividend Certificates are available. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
Term (Months)	Compound Dividend Rate	Annual Percentage Yield (APY)
3	2.55%	2.57%
6	3.10%	3.13%
12	3.40%	3.44%
18	3.20%	3.24%
24	3.10%	3.14%
30	3.05%	3.08%
36	3.05%	3.09%
48	3.05%	3.08%
60	2.80%	2.83%

IRA Plus Certificates

Minimum Balance $10,000

Quarterly Posted Dividend Certificates

Rates are subject to change daily. Monthly Distributed Dividend Certificates are available. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
Term (Months)	Compound Dividend Rate	Annual Percentage Yield (APY)
3	2.75%	2.78%
6	3.30%	3.34%
12	3.60%	3.65%
18	3.40%	3.44%
24	3.30%	3.34%
30	3.25%	3.29%
36	3.25%	3.29%
48	3.25%	3.29%
60	3.00%	3.03%

IRA Savings

	Dividend Rates	Annual Percentage Yield (APY)
over $250	1.25%	1.26%
Minimum Balance to Earn APY	$250	$250
Minimum Balance to Avoid Fees	$250	$250