High dividends or really high dividends — it’s your choice

Keep balances growing and benefits accessible with free checking that pays up to 6.01% APY*.

Benefits You’ll Love

  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Competitive dividends on Level 1 and Level 2
  • Get fast cash at ATMs nationwide, minus the fees
High Dividends
Principle

Earn up to 2.51% APY* on balances up to $15,000

0.05% APY* if qualifications aren't met

  • Free Digital Banking
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • ATM withdrawal fee refunds nationwide
Really High Dividends
Enhanced

Earn up to 6.01% APY* on balances up to $15,000

0.05% APY* if qualifications aren't met

  • Free Digital Banking
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • ATM withdrawal fee refunds nationwide

*To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash – Multi-Level account during each “Monthly Qualification Cycle”:

Principle Qualifications:

o   Have a minimum of one ACH debit, or one direct deposit, or one bill pay transaction post and settle your account;

o   Have a minimum of 10 debit card purchases post and settle your account

o   Be enrolled in and agree to receive e-statements rather than paper statements

Enhanced Qualifications:

o   Have a minimum of one ACH debit, or one direct deposit, or one bill pay transaction post and settle your account;

o   Have a minimum of 30 debit card purchases post and settle your account

o   Be enrolled in and agree to receive e-statements rather than paper statements

“Monthly Qualification Cycle” is a period beginning two business days prior to the first day of a calendar month through two business days prior to the last day of a calendar month. Transactions posted and settled on the last two business days will qualify for next month’s qualification.

Qualification Information: Account transactions and activities may take one (1) or more banking days to post and settle to the account and all must do so during the “Monthly Qualification Cycle” in order to qualify for the account’s rewards. “Banking Day” means any business day on which an office of the Credit Union is open to the public for the purpose of carrying out substantially all of its banking functions. The following activities do not count toward earning account rewards: ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Credit Union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our Credit Union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 

Dividend Rate and Annual Percentage Yield: This is a variable rate account. The dividend rate and annual percentage yield may change. The dividend rate is determined at our discretion, and we may change the dividend rate on your account at any time, without any limitations, and without notice to you. When your Kasasa Cash-Multi-Level account qualifications are met during a Monthly Qualification Cycle:

Principle Rewards:  (1) average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 2.48% resulting in an APY of 2.51%; and average daily balances over $15,000 earn a dividend rate of 0.49% on the portion of the average daily balance over $15,000, resulting in a range from 2.51% to 0.76% APY depending on the account's average daily balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified.

or

Enhanced Rewards: (1) average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 5.85% resulting in an APY of 6.01%; and average daily balances over $15,000 earn a dividend rate of 0.49% on the portion of the average daily balance over $15,000, resulting in a range from 6.01% to 1.22% APY depending on the account's average daily balance and (2) you will receive reimbursements up to $25 for nationwide ATM fees incurred during the “Monthly Qualification Cycle” in which you qualified.

When your Kasasa Cash-Multi-Level account qualifications are not met during a Monthly Qualification Cycle: Principle & Enhanced Rewards:   the entire average daily balance in the Kasasa Cash-Multi-Level account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY and ATM fees are not refunded.

 

APY = Annual Percentage Yield. APY is accurate as of 09/01/2023. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. No minimum balance is required to earn or to receive the account’s rewards. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the first processing day of the following “Statement Cycle”. “Statement Cycle" means the period of time for which MCT Credit Union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $5 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges to open or close this account. Contact a MCT Credit Union service representative for additional information, details and enrollment instructions. Kasasa and Kasasa Cash are trademarks of Kasasa Ltd., registered in the U.S.A.

American Share Insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $750,000 of insurance per account. This institution is not federally insured. Members' accounts are not insured or guaranteed by any government or government-sponsored agency. 

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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Share Certificate CalculatorDisclaimer

A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total dividend earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total interest paid $0

Credit Cards

Card Type Intro APR For initial 6 months* APR for Purchases, Balance Transfers, & Cash Advance after intro APR if applicable*
VISA Platinum 3.90% 13.75% - 17.99%

*Introductory APR applicable until the first day of the billing cycle includes the six-month anniversary date of the opening of your account. Restrictions apply to be eligible to receive the Introductory APR. Your exact rate is based on your creditworthiness. Ask a loan officer about the rate you qualify for. The periodic rate used to compute the FINANCIAL CHARGE for purchases is based on an index (the “Index”), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly.

Kasasa Cash*

Level 1 Balance Minimum Opening Deposit Rate APY
0 - $15,000 $5 2.48% 2.51%
$15,000+ $5 0.50% 2.51% to 0.76%
All balances if qualifications not met $5 0.05% 0.05%
Level 2 Balance Minimum Opening Deposit Rate APY
0 - $15,000 $5 5.85% 6.01%
$15,000+ $5 0.50% 6.01% to 1.22%
All balances if qualifications not met $5 0.05% 0.05%

Qualifications

It is so easy to qualify, you are probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

Level 1

  • At least 10 debit card purchases 
  • At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
  • Be enrolled in and agree to receive e-Statements

Level 2

  • At least 30 debit card purchases 
  • At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
  • Be enrolled in and agree to receive e-Statements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.

Kasasa Saver*

Balance Minimum Opening Deposit Rate APY
0 - $50,000 $5 1.99% 2.01%
$50,000+ $5 0.50% 2.01% to 1.00%
All balances if qualifications not met $5 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash, Kasasa Cash Back, Kasasa Eats or Kasasa Play account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • At least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction
  • Be enrolled in and agree to receive e-Statements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

Personal Loans

Loan Type APR
0-24 months
APR
25-36 months
APR
37-48 months
APR
49-60 months
APR
61-72 months
APR
73-120 months
Share (Savings) or CD Secured Loan 2.00%+* 2.00%+* 2.00%+* 3.00%+* 3.00%+* 4.00%+*
Signature Loan 11.75% 11.75% 11.75% 11.75% N/A N/A
Personal Line of Credit 11.75% 11.75% 11.75% 11.75% 11.75 11.75%

Longer-term options may be available. Ask an MCT Member Service Representative for details. APR = Annual Percentage Rate. The rates disclosed are current.

*Rates are 2.00%-4.00% above Savings or CD rate, depending on term.

Share Accounts

Account Minimum Opening Deposit Rate APY
Business Checking Account $5 0.13% 0.13%
Member Share Savings Account $5 0.20% 0.20%
Christmas Club Savings Account $5 0.20% 0.20%
Money Market Account $2,500 0.90% 0.90%
IRA Savings $5 0.20% 0.20%

Share Certificates

Certificate Term Dividend Rate APY
Six month 4.00% 4.08%
One year 4.50% 4.60%
Two years 3.35% 3.40%
Three years 3.45% 3.51%
Four years 3.45% 3.51%
Five years 3.70% 3.77%

Penalty for early withdrawal.

Sprout Savings

Balance Minimum Opening Deposit Rate APY
0 - $500 $5 2.47% 2.50%
$500.01 - $5,000.00 $5 0.99% 1.00%
$5000.01 - $10,000.00 $5 0.75% 0.75%
$10,000.01 or more $5 0.20% 2.50% to 0.20%
  • Members up to age 22 are eligible for Sprout Savings Account
  • No monthly maintenance fees
  • No minimum balance to earn rewards

Vehicle Loans

Loan Type APR
0-24 months
APR
25-36 months
APR
37-48 months
APR
49-60 months
APR
61-72 months
New Auto Loans 5.75% 5.75% 5.75% 5.99% 6.25%
Used Auto Loans 5.75% 5.75% 5.75% 5.99% 6.25%
Boat Loans 6.25% 6.25% 6.25% 6.25% 6.75%
Travel Trailer Loans 6.25% 6.25% 6.25% 6.25% 6.75%
Other Collateral Loans 5.99% 5.99% 5.99% 6.25% 6.50%

APR = Annual Percentage Rate. Rates disclosed may be different based on credit underwriting and/or elected loan protections. Rate discount of 1.00% available for the election of Warranty, Credit Life Insurance and Disbability Protection on qualified collateral loans. All loan rates are subject to change without prior notice. Maximum interest rate is 17.99%. Loan terms are dependent on amount financed and member/collateral. Membership required. Terms and conditions subject to change.