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Traditional, Roth, and Educational IRAs - interest paid quarterly, just $250 minimum balance to open, add to your IRA with deposits made at any MCU location or automatically through payroll deposit. IRA savings rates quoted paid through December 31, 2025.
| Savings Amount | Rate | APY |
|---|---|---|
| IRA $50,000 or more | 5.00% | 5.09% |
| IRA $0.01 - $49,999.99 | 4.00% | 4.06% |
Note: Rates on previous quarterly's statements reflect rate for that time period and may not match the current rate displayed.
IRA or Regular CDs interest paid quarterly on anniversary date. Regular Certificate of Deposit, Educational IRA or Roth IRA Certificate of Deposit
| Maturity Term (Minimum Amount) | Rate | APY |
|---|---|---|
| 60 Month CD ($500 min) | 3.455% | 3.500% |
| 48 Month CD ($500 min) | 3.211% | 3.250% |
| 36 Month CD ($500 min) | 3.211% | 3.250% |
| 24 Month CD ($500 min) | 3.601% | 3.650% |
| 12 Month CD ($500 min) | 3.893% | 3.950% |
| 7 Month CD ($500 min) | 4.038% | 4.100% |
| 6 Month CD ($500 min) | 3.650% | 3.650% |
| 3 Month CD ($500 min) | 3.500% | 3.500% |
Open and add to your PD CD with convenient payroll deposit. Low minimum to start, low minimum to add.
| Maturity Term (Minimum Amount) | Rate | APY |
|---|---|---|
| 12 Month ($10 min) | 3.21% | 3.25% |
| Money Market Rates | Rate | APY |
|---|---|---|
| Avg. Daily Balance $100,000.00 or more | 3.41% | 3.46% |
| Avg. Daily Balance $50,000.00 - $99,999.99 | 2.48% | 2.51% |
| Avg. Daily Balance $25,000.00 - $49,999.99 | 1.79% | 1.80% |
| Avg. Daily Balance $10,000.00 - $24,999.99 | 1.09% | 1.09% |
| Avg. Daily Balance $1,000.00 - $9,999.99 | 0.69% | 0.69% |
| Average Daily Balance (Paid Monthly) | Rate | APY |
|---|---|---|
| Avg. Daily Balance $0.01 - $25,000 | 0.05% | 0.05% |
| Avg. Daily Balance $25,000.01 - $50,000 | 0.20% | 0.20% |
| Avg. Daily Balance > $50,000 | 0.30% | 0.30% |
| Average Daily Balance (Paid Monthly) | Rate | APY |
|---|---|---|
| Avg. Daily Balance $0.01 - $2,500 | 2.23% | 2.25% |
| Avg. Daily Balance > $2,500 | 0.10% | 0.10% |
| Average Daily Balance (Paid Monthly) | Rate | APY |
|---|---|---|
| Avg. Daily Balance >$1,000 | 0.50% | 0.50% |
All rates quoted include Annual Percentage Yields and are accurate as of the first business day of each calendar month. Rates and terms are subject to change without notice after the account is opened. A penalty may be imposed for withdrawals before maturity on time (term) accounts. Fees could reduce the earnings on the account, if applicable. Call 573-874-1477 (Columbia) or 573-635-8007 (Jefferson City) or 800-451-1477 Toll-free (Outside of Columbia or Jefferson City) for current rates and terms.