Share Rates
Share Rates $5 minimum investment
Annual Percentage Yield, rates and other terms may change at any time without prior notice. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
| Account Type | Frequency | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular Share Account | Quarterly | 0.05% | 0.05% |
| Checking | Monthly | 0.05% | 0.05% |
| Money Market Account (Under $100,000) | Monthly | 0.40% | 0.401% |
| Money Market Account (Over $100,000) | Monthly | 0.75% | 0.753% |
| Christmas & Vacation Club | Quarterly | 0.05% | 0.753% |
| IRA Savings | Quarterly | 0.05% | 0.753% |
*Dividends will be compounded quarterly and will be credited quarterly. Average Daily Balance.
Regular & IRA Certificates of Deposit
Annual Percentage Yield, rates and other terms may change at any time without prior notice. $500.00 minimum required to open a Regular or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.
| Terms | Dividend Rate | Annual Percentage Yield | Frequency |
|---|---|---|---|
| 90 days | 1.62% | 1.632% | Monthly |
| 6 Months | 2.60% | 2.631% | Monthly |
| 12 Months | 3.67% | 3.732% | Monthly |
| 18 Months | 3.47% | 3.526% | Monthly |
| 2 Years | 3.37% | 3.423% | Monthly |
| 4 Years | 3.22% | 3.268% | Monthly |
| 5 Years | 3.37% | 3.423% | Monthly |
Dividends will be compounded daily and will be credited monthly.
**Effective 8/1/23, the 13 Month CD Special is no longer available. The 13 Month CD will redeem to the savings account at maturity, or contact MSCU to reinvest. MSCU reserves the right to end or modify this offer at any time. Penalties apply for early withdrawals from certificate accounts. Other restrictions may apply.