Rates
Savings
Certificates
Loans
Mortgages
Other
Rates
| Savings Account | Dividend Rate | APY* |
|---|---|---|
| Regular Share Accounts ($100 and above) | 0.35% | 0.35% |
| Pee Wee Penguin Youth Savings Club | 0.35% | 0.35% |
| Christmas Clubs | 0.35% | 0.35% |
| PSA | 0.35% | 0.35% |
*DISCLAIMER
Rates may change after account is opened.
| Certificates & IRA Certificates | Dividend Rate | APY* |
|---|---|---|
| 6 months (minimum $1,000) | 3.55% | 3.61% |
| 12 months (minimum $1,000) | 3.45% | 3.51% |
| 18 months (minimum $500) | 3.10% | 3.14% |
| 24 months (minimum $500) | 3.25% | 3.30% |
| 25 months (minimum $500) | 3.10% | 3.14% |
| 36 months (minimum $500) | 3.15% | 3.20% |
| 48 months (minimum $10,000) | 2.90% | 2.94% |
| 18 month IRA Certificates (minimum $50) | 2.96% | 3.00% |
| 12 months (minimum $300) Pee Wee/Teen | 3.45% | 3.51% |
| Vehicle Loans | APR** |
|---|---|
| New Auto Loans | As low as 5.24% |
| Used Auto Loans | As low as 5.49% |
| New Motorcycles/ ATVs | As low as 7.24% |
| Pre-Owned Motorcycles/ ATVs | As low as 7.34% |
| Unsecured Loans | APR** |
|---|---|
| Signature Loans | As low as 10.70% |
| Storm Shelter/ Generator Loans | As low as 3.24% |
| Visa Platinum | As low as 7.90% |
| Secured Loans | APR** |
|---|---|
| Share Secured Loans | Share Rate +3.00% |
| CD Secured Loans | CD Rate +2.00% |
| Other Loans | APR** |
|---|---|
| New & Pre-Owned Boats/Motor Homes/Travel Trailers/Tractors | As low as 7.39% |
| New & Pre-Owned Personal Watercraft | As low as 7.39% |
| New Computer/Household Goods | As low as 7.99% |
| Conventional 1st Mortgage Purchase or Refinance (>$35,000) | Rate | Points |
|---|---|---|
| 1 - 5 Years | As low as 5.125% | - |
| 6 - 7 Years | As low as 5.25% | - |
| 8 - 10 Years | As low as 5.50% | - |
| 11 - 15 Years | As low as 5.625% | |
| Cash Out: Add 0.25% | - |
| Conventional 1st Mortgage Purchase ($35,000 or Less) | Rate | Points |
|---|---|---|
| 1 - 5 Years | As low as 5.875% | 1.00 |
| 6 - 10 Years | As low as 6.00% | 1.25 |
| 11 - 15 Years | As low as 6.125% | 1.75 |
| Conventional 1st Mortgage Refinance ($35,000 or Less) | Rate |
|---|---|
| 1 - 5 Years | As low as 5.75% |
| 6 - 10 Years | As low as 6.00% |
| 11 - 15 Years | As low as 6.125% |
| Second Mortgage | Rate | Points |
|---|---|---|
| 1 - 5 Years | As low as 6.125% | - |
| 6 - 10 Years | As low as 6.375% | - |
| 11 - 15 Years | As low as 6.50% | - |
| Second Mortgage MFCU Holds 1st ($35,000 or less) | Rate |
|---|---|
| 1 - 5 Years | As low as 5.75% |
| 6 - 10 Years | As low as 6.00% |
| 11 - 15 Years | As low as 6.125% |
*DISCLAIMER
Rates as of January 14, 2026.
Rates are subject to change without notice.
*APY = Annual Percentage Yield
**APR = Annual Percentage Rate
Ask Member Services for further information about fees and term applicable to the listed accounts.
A penalty may be imposed for early withdrawal.
Ask about Roth & Educational IRA’s.
Contact us at 918-683-3460 for current rate information.
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