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

Rates Effective as of July 5, 2017.

Checking Accounts

Dividend Checking

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$300 - $2,499.990.10%0.10%
$2,500 - $14,999.990.20%0.20%
$15,000 - $49,999.990.30%0.30%
$50,000 - $74,999.990.35%0.35%
$75,000 - $99,999.990.40%0.40%
$100,000 or more0.45%0.45%

E-Checking

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$1,500 - $2,499.990.10%0.10%
$2,500 - $14,999.990.20%0.20%
$15,000 - $49,999.990.30%0.30%
$50,000 - $74,999.990.35%0.35%
$75,000 - $99,999.990.40%0.40%
$100,000 or more0.45%0.45%

Savings Accounts

Share Savings

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$50 - $999.990.10%0.10%
$1,000 - $7,499.990.20%0.20%
$7,500 - $14,999.990.30%0.30%
$15,000 - $49,999.990.40%0.40%
$50,000 - $74,999.990.50%0.50%
$75,000 - $99,999.990.55%0.55%
$100,000 or more0.60%0.60%

Christmas Club Savings

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$5 - $999.990.10%0.10%
$1,000 - $7,499.990.20%0.20%
$7,500 - $14,999.990.30%0.30%
$15,000 - $49,999.990.40%0.40%
$50,000 or more0.50%0.50%

Custom Savings

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$5 - $999.990.10%0.10%
$1,000 - $7,499.990.20%0.20%
$7,500 - $14,999.990.30%0.30%
$15,000 - $49,999.990.40%0.40%
$50,000 or more0.50%0.50%

Youth Accounts

Kirby Kangaroo Savings Club

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$5 - $999.990.10%0.10%
$1,000 - $7,499.990.20%0.20%
$7,500 - $14,999.990.30%0.30%
$15,000 - $49,999.990.40%0.40%
$50,000 or more0.50%0.50%

Claim Your Youth Savings Club

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$5 - $999.990.10%0.10%
$1,000 - $7,499.990.20%0.20%
$7,500 - $14,999.990.30%0.30%
$15,000 - $49,999.990.40%0.40%
$50,000 or more0.50%0.50%

Money Market Accounts

Money Market Account

Account BalanceDividend RatesAnnual Percentage Yield (APY) Range
Money Market accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
$2,000 - $14,999.990.30%0.30%
$15,000 - $49,999.990.40%0.40%
$50,000 - $74,999.990.45%0.45%
$75,000 - $99,999.990.50%0.50%
$100,000 or more0.55%0.55%

Money Market Plus Account

Account BalanceDividend RatesAnnual Percentage Yield (APY) Range
Money Market Plus accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
$15,000 - $49,999.990.40%0.40%
$50,000 - $74,999.990.50%0.50%
$75,000 - $99,999.990.60%0.60%
$100,000 or more0.70%0.70%

Share Certificates

Share Certificates

Minimum balance of $250

Term
(Months)
Annual Percentage Rate
(APR)
Annual Percentage Rate
(APY) Range
Quarterly APY Range
All savings rates quoted as annual percentage yields. Rates are subject to change daily. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
30.20%0.20%0.20%
60.45%0.45%0.45%
120.60%0.60%0.60%
180.75%0.75%0.75%
240.95%0.95%0.95%
301.15%1.15%1.16%
361.35%1.35%1.36%
481.55%1.55%1.56%
601.85%1.85%1.86%

Share Plus Certificates

Minimum balance of $10,000

Term
(Months)
Annual Percentage Rate
(APR)
Annual Percentage Rate
(APY) Range
Quarterly APY Range
All savings rates quoted as annual percentage yields. Rates are subject to change daily. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
30.35%0.35%0.35%
60.60%0.60%0.60%
120.75%0.75%0.75%
180.90%0.90%0.90%
241.10%1.10%1.10%
301.30%1.30%1.31%
361.50%1.50%1.51%
481.70%1.70%1.71%
602.00%2.00%2.02%

IRAs

IRA Certificates with a minimum balance of $250

Term
(Months)
Annual Percentage Rate
(APR)
Annual Percentage Rate
(APY) Range
Quarterly APY Range
All savings rates quoted as annual percentage yields. Rates are subject to change daily. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
30.20%0.20%0.20%
60.45%0.45%0.45%
120.60%0.60%0.60%
180.75%0.75%0.75%
240.95%0.95%0.95%
301.15%1.15%1.16%
361.35%1.35%1.36%
481.55%1.55%1.56%
601.85%1.85%1.86%

IRA Certificates with a minimum balance of $10,000

Term
(Months)
Annual Percentage Rate
(APR)
Annual Percentage Rate
(APY) Range
Quarterly APY Range
All savings rates quoted as annual percentage yields. Rates are subject to change daily. Call the credit union for current rates, terms and conditions. A penalty is imposed for early withdrawal of share certificates.
30.35%0.35%0.35%
60.60%0.60%0.60%
120.75%0.75%0.75%
180.90%0.90%0.90%
241.10%1.10%1.10%
301.30%1.30%1.31%
361.50%1.50%1.51%
481.70%1.70%1.71%
602.00%2.00%2.02%

IRA Savings

 Dividend RatesAnnual Percentage Yield (APY)
over $250.50%.50%
Minimum Balance to Earn APY$250$250
Minimum Balance to Avoid Fees$250$250
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