Online Banking
Current Savings Rates
Effective date is:
My Cash
Effective Date: Friday, April 18th, 2025
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $15,000.00 | 3.25% | 3.25% |
| $15,000.01 and up | 0.10% | 0.10% |
| Qualifications not met | 0.10% | 0.10% |
| *APY = Annual Percentage Yield. Annual Percentage Yield current as of date above and are subject to change. Qualifications: Have at least 12 debit card purchases post and settle. Have at least 1 automatic payment (ACH) or bill pay transaction post and settle. Be enrolled and receive eStatement notice. Be enrolled and log into online banking at least once. | ||
My Savings
Effective Date: Friday, April 18th, 2025
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $10,000.00 | 0.25% | 0.25% |
| $10,000.00 and up | 0.05% | 0.05% |
| Qualifications not met | 0.05% | 0.05% |
| *APY = Annual Percentage Yield. Annual Percentage Yield current as of date above and are subject to change. Qualifying for My Cash or My Cashback account automatically qualifies you for the highest My Savings rate. Just do the following each monthly qualification cycle on your My Cash or My Cashback account: Have at least 12 debit card purchases post and settle. Have at least 1 automatic payment (ACH) or bill pay transaction post and settle. Be enrolled and receive eStatement notice Be enrolled and log into online banking at least once. | ||
Savings Accounts
Effective Date: Friday, April 18th, 2025
| Product | Minimum Balance Required to Earn Dividends | Dividend Rate | APY |
|---|---|---|---|
| Regular Share Savings | $100 | 0.05% | 0.05% |
| Health Savings Account | $0.01 - $999.99 | 1.00% | 1.00% |
| IRA Share Account | $0.01+ | 1.98% | 2.00% |
| Roth IRA Share Account | $0.01+ | 0.10% | 0.10% |
| MTM Emergency Fund Account | $0.01+ | 5.00% on balances up to $1000, 0.05% above $1000 | 5.00% on balances up to $1000, 0.05% above $1000 |
| *APY= Annual percentage Yield. All rates subject to change without notice; fees may reduce earnings on savings & checking. | |||
IRA Certificate of Deposit
Effective Date: Friday, April 18th, 2025
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Months | 3.94% | 4.00%** |
| 12 Months | 3.94% | 4.00%** |
| 18 Months | 3.94% | 4.00%** |
| 24 Months | 4.13% | 4.20%** |
| 30 Months | 3.45% | 3.50%** |
| 36 Months | 3.45% | 3.50%** |
| 48 Months | 3.45% | 3.50%** |
| 60 Months | 3.45% | 3.50%** |
Certificate of Deposit
Effective Date: Friday, April 18th, 2025
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Months | 3.940% | 4.00%** |
| 12 Months | 3.940% | 4.00%** |
| 24 Months | 4.13% | 4.20%** |
| 30 Months | 3.45% | 3.50%** |
| 36 Months | 3.45% | 3.50%** |
| 48 Months | 3.45% | 3.50%** |
| 60 Months | 3.45% | 3.50%** |
| **APY= Annual Percentage Yield. Effective 3/13/25: Annual Percentage Yield for for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Rate is subject to change without notice. Early withdraw penalties may apply, and may reduce earning. | ||
Money Market
Effective Date: Friday, April 18th, 2025
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $2,499.99 | 0.75% | 0.75% |
| $2,500 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $24,999.99 | 0.75% | 0.75% |
| $25,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99,999.99 | 1.00% | 1.01% |
| $100,000 and above | 1.00% | 1.01% |
| *APY= Annual Percentage Yield. Annual Percentage Rates current as of date listed above. Rate is subject to change without notice. Early withdraw penalties may apply, and fees may reduce earning. | ||
High Yield Savings
Effective Date: Friday, April 18th, 2025
| Minimum Balance Required to Earn Dividends | Dividend Rate | APY |
|---|---|---|
| $1000 | 3.54% | 3.60% |
IRA Accounts
Effective Date: Friday, April 18th, 2025
| Product | Minimum Balance Required to Earn Dividends | Dividend Rate | APY |
|---|---|---|---|
| IRA Share Account | $0.01+ | 1.98% | 2.00% |
| Roth IRA Share Account | $0.01+ | 0.10% | 0.10% |
*APY= Annual Percentage Yield. All rates subject to change without notice; fees may reduce earnings on savings & checking. | |||
Regular Share Savings
Effective Date: Friday, April 18th, 2025
| Minimum Balance Required to Earn Dividends | Dividend Rate | APY |
|---|---|---|
| $100 | 0.05% | 0.05% |
| *APY = Annual Percentage Yield. All rates subject to change without notice; fees may reduce earnings on savings & checking. | ||
Health Savings Account
Effective Date: Friday, April 18th, 2025
| Minimum Balance Required to Earn Dividends | Dividend Rate | APY |
|---|---|---|
| $0.01 - $999.99 | 1% | 1.00% |
