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

Rates Effective as of April 20, 2018.

Checking Accounts

Dividend & Teen 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 - $999.990.15%0.15%
$1,000 - $7,499.990.25%0.25%
$7,500 - $14,999.990.35%0.35%
$15,000 - $49,999.990.45%0.45%
$50,000 - $74,999.990.55%0.55%
$75,000 - $99,999.990.60%0.60%
$100,000 or more0.65%0.65%

Christmas Club Savings

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$5 - $999.990.15%0.15%
$1,000 - $7,499.990.25%0.25%
$7,500 - $14,999.990.35%0.35%
$15,000 - $49,999.990.45%0.45%
$50,000 or more0.55%0.55%

Custom Savings

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$5 - $999.990.15%0.15%
$1,000 - $7,499.990.25%0.25%
$7,500 - $14,999.990.35%0.35%
$15,000 - $49,999.990.45%0.45%
$50,000 or more0.55%0.55%

Youth Accounts

Kirby Kangaroo Savings Club

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$5 - $999.990.15%0.15%
$1,000 - $7,499.990.25%0.25%
$7,500 - $14,999.990.35%0.35%
$15,000 - $49,999.990.45%0.45%
$50,000 or more0.55%0.55%

Claim Your Youth Savings Club

Account BalanceDividend RatesAnnual Percentage Yield (APY)
$5 - $999.990.15%0.15%
$1,000 - $7,499.990.25%0.25%
$7,500 - $14,999.990.35%0.35%
$15,000 - $49,999.990.45%0.45%
$50,000 or more0.55%0.55%

Money Market Accounts

Money Market Account

Account BalanceDividend RatesAnnual Percentage Yield (APY)
Money Market accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
$2,000 - $14,999.990.40%0.40%
$15,000 - $49,999.990.50%0.50%
$50,000 - $74,999.990.55%0.55%
$75,000 - $99,999.990.60%0.60%
$100,000 or more0.65%0.65%

Money Market Plus Account

Account BalanceDividend RatesAnnual Percentage Yield (APY)
Money Market Plus accounts are limited to six withdrawals per month. The account is subject to a $10 fee per excessive withdrawal.
$15,000 - $49,999.990.50%0.50%
$50,000 - $74,999.990.60%0.60%
$75,000 - $99,999.990.70%0.70%
$100,000 or more0.80%0.80%

Share Certificates

Share Certificates

Minimum balance of $250

Quarterly Posted Dividend Certificates
Term
(Months)
Compound Dividend RateAnnual Percentage Yield (APY)
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.
30.35%0.35%
60.55%0.55%
120.75%0.75%
181.05%1.05%
241.15%1.16%
301.40%1.41%
361.50%1.51%
481.85%1.86%
602.05%2.06%

Share Plus Certificates

Minimum balance of $10,000

Quarterly Posted Dividend Certificates
Term
(Months)
Compound Dividend RateAnnual Percentage Yield (APY)
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.
30.50%0.50%
60.70%0.70%
120.90%0.90%
181.20%1.21%
241.30%1.31%
301.55%1.56%
361.65%1.66%
482.00%2.02%
602.20%2.22%

IRAs

IRA Certificates

Minimum balance of $250

Quarterly Posted Dividend Certificates
Term
(Months)
Compound Dividend RateAnnual Percentage Yield (APY)
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.
30.35%0.35%
60.55%0.55%
120.75%0.75%
181.05%1.05%
241.15%1.16%
301.40%1.41%
361.50%1.51%
481.85%1.86%
602.05%2.06%

IRA Plus Certificates

Minimum balance of $10,000

Quarterly Posted Dividend Certificates
Term
(Months)
Compound Dividend RateAnnual Percentage Yield (APY)
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.
30.50%0.50%
60.70%0.70%
120.90%0.90%
181.20%1.21%
241.30%1.31%
301.55%1.56%
361.65%1.66%
482.00%2.02%
602.20%2.22%

IRA Savings

 Dividend RatesAnnual Percentage Yield (APY)
over $2500.50%0.50%
Minimum Balance to Earn APY$250$250
Minimum Balance to Avoid Fees$250$250
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