Share Certificates
Effective Date: Feb 8, 2023
| Term | Dividend Rate (Min $500) | APY* (Min $500) |
|---|---|---|
| 6 Months | .747 | .75 |
| 12 Months | 3.10 | 3.10 |
| 24 Months | 3.25 | 3.25 |
| 36 Months | 3.40 | 3.40 |
| 48 Months | 2.00 | 2.00 |
IRA / ROTH IRA Share Certificates
| Term | Dividend Rate (Min $500) | APY* (Min $500) |
|---|---|---|
| 12 Months | 1.00 | 1.00 |
| 24 Months | 1.50 | 1.50 |
Money Market Accounts
| Tier | Dividend Rate | APY* |
|---|---|---|
| $2,500 – 4,999 | .15 | .15 |
| $5,000 – 9,999 | .30 | .30 |
| $10,000 – 24,999 | .35 | .35 |
| $25,000 – 49,999 | .45 | .45 |
| $50,000 - 99,999 | .75 | .75 |
| $100,000-249,999 | 1.00 | 1.00 |
| $250,000 and above | 1.50 | 1.50 |
Shares
| Account Type | Dividend Rate | APY* |
|---|---|---|
| Regular Shares & Secondary Shares $50 - $4,999 $5,000 and above | .15 .30 | .15 .30 |
| Business $0 ‐ $99 $100 ‐ $4,999 $5,000 + | .00 .15 .30 | .00 .15 .30 |
| Business Draft Plus $0 ‐ $999 $1,000 ‐ $9,999 $10,000 + | .00 .30 .45 | .00 .30 .45 |
| Business Money Market $0 ‐ $4,999 $5,000 ‐ $24,999 $25,000 + | .00 .45 .60 | .00 .45 .60 |
| MAC Kids Club | .30 | .30 |
| MAC Teen Account | .30 | .30 |
| eChecking** (On balances up to $10,000) | 2.00 | 2.00 |
| eChecking** (On balances up to $10,000 if monthly qualifications are NOT met) | .25 | .25 |
| eChecking** (On balances over $10,000) | .15 | .15 |
| Holiday Club Savings | .30 | .30 |
| IRA/ Roth IRA/ Converted Roth IRA/ Educational IRA savings | .75 | .75 |
Rates for $100,000 and over may be quoted separately
*ANNUAL PERCENTAGE YIELD
** Restrictions may apply
*ANNUAL PERCENTAGE YIELD
** Restrictions may apply
Loan Rates
| Loan Type | Annual Percentage Rate (APR) | APR With 2% Full-Service Discount | Maximum Term |
|---|---|---|---|
| Share Secured | 3.00% over share rate | 72 months | |
| Vehicles | As low as 5.99% | As low as 3.99% | 120 months |
| RV | As low as 6.99% | As low as 4.99% | 240 months |
| Motorcycle / Off Road | As low as 5.49% | As low as 3.49% | 96 months |
| Boat | As low as 6.99% | As low as 4.99% | 180 months |
| Personal | As low as 9.99% | 72 months | |
| Equipment | As low as 7.99% | As low as 5.99% | 84 months |
On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include Internal Refinancing, See Branch For Details.
97‐120‐month term only for autos in current/future model year.
Once a member of MAC FCU, always a member of MAC FCU.
When you open an account with us, you're a member for life, as long as the account stays open.
You can move and take us along!