APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 01/01/2021. Fees may reduce earnings. Rates, terms and conditions subject to change. Savings account dividends are earned on the average daily balance. Dividends on certificates are compounded daily and paid monthly. Dividends and APY are subject to change without notice and at the discretion of the Board of Directors.
Kasasa Cash Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $20,000 | $25 | 1.49% | 1.50% |
| $20,000+ | $25 | 0.15% | 1.50% to 0.38% |
| All balances if qualifications not met | $25 | 0.05% | 0.05% |
Qualifications
It's so easy to qualify, you're 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:
- 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 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 Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $20,000 | $25 | 0.50% | 0.50% |
| $20,000+ | $25 | 0.15% | 0.50% to 0.21% |
| All balances if qualifications not met | $25 | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® 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 or Kasasa Cash Back 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.
Share Accounts
| Account | Minimum Opening Deposit | Rate | APY |
| Business Checking Account | $25 | 0.15% | 0.15% |
| Membership Share Savings Account | $25 | 0.15% | 0.15% |
| Sprout - MCT Clubhouse Savings Account | $25 | 0.25% | 0.25% |
| Christmas Club Savings Account | $25 | 0.15% | 0.15% |
| Money Market Fund | $2,500 | 0.20% | 0.20% |
| IRA Savings | $25 | 0.20% | 0.20% |
Certificates of Deposit (CDs) Learn More
| CD Term | Dividend Rate | APY |
|---|---|---|
| Six month | .40% | .40% |
| One year | .65% | .65% |
| Two years | 0.90% | 0.90% |
| Three years | 1.00% | 1.00% |
| Four years | 1.10% | 1.11% |
| Five years | 1.40% | 1.41% |
Penalty for early withdrawal.
Credit Cards Learn More
|
|
Intro Annual Percentage Rate (APR) For initial 6 months* | APR for Purchases, Balance Transfers, & Cash Advance after intro APR if applicable* |
|---|---|---|
|
VISA Platinum |
3.90% |
8.50% - 17.99% |
*Introductory APR applicable until the first day of the billing cycle that 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 credit worthiness. 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.
Personal Loans
| Loan Type | APR 0-24 months |
APR 25-36 months |
APR 37-48 months |
APR 49-60 months |
APR 61-72 months |
|---|---|---|---|---|---|
| Share (Savings) or CD Secured Loan | 1.75%+* | 1.75%+* | 1.75%+* | 1.75%+* | 1.75%+* |
| Signature Loan | 8.50% | 8.50% | 8.50% | 8.50% | N/A |
| Personal Line of Credit | 8.50% | 8.50% | 8.50% | 8.50% | 8.50% |
Longer term options may be available. Ask an MCT Member Service Representative for details. APR = Annual Percentage Rate. Rates disclosed are current.
*Rates are 1.75% above Savings or CD rate
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 | 2.50% | 2.50% | 2.50% | 2.75% | 2.99% |
| Used Auto Loans | 2.50% | 2.50% | 2.50% | 2.75% | 2.99% |
| Boat Loans | 3.25% | 3.25% | 3.25% | 3.50% | 3.75% |
| Travel Trailer Loans | 3.25% | 3.25% | 3.25% | 3.50% | 3.75% |
| Other Collateral Loans | 3.75% | 3.75% | 3.75% | 3.99% | 4.50% |