Experience convenience, security, and rewards with every purchase.
Whether you’re shopping, traveling, or managing everyday expenses, take advantage of competitive rates designed to help you save and earn more!
Choose Your Card & Choose Your Rewards
MMCU offers Visa Platinum, Visa Premier, and Visa Elite. Visa is accepted around the world and can be used to access cash at ATMs and financial institutions. Our cards feature low rates, no annual fee, 25-day grace period on purchases. Also, at no cost $1,000,000 of travel accident insurance when you charge your common carrier (airline, bus, train, etc.) tickets to your Visa.
Card controls have never been so easy! Our new card control website offers numerous benefits and ease of use for managing your MMCU credit card. By providing a centralized platform accessible from any device with internet access, members can effortlessly monitor their spending, track transactions, and set customized alerts for expenditures or bill due dates. This level of oversight enhances financial literacy and helps our members stay within budgetary limits by visualizing their expenses graphically or categorically.
Additionally, the website offers security features such as transaction notifications and the ability to freeze or unfreeze cards instantly, providing peace of mind against unauthorized use.
Prefer to use the app? Find us in the app stores by searching "MMCU Cards". You can add your MMCU credit AND debit cards!
MMCU cardholders also enjoy the benefits of purchase rewards! Earn points for every dollar you spend. Turn those points into rewards like merchandise, travel or experience, and even cash back! Create your account today and start earning rewards!
In accessing our Visa application and disclosures, you have reviewed each document and printed them for your records.
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD 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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificate Specials Rates
| Type | Dividend Rate | APY* | Minimum To Open |
|---|---|---|---|
| 7 Month | 3.78% | 3.85% | $1,000.00 |
| 11 Month | 3.64% | 3.70% | $1,000.00 |
| 17 Month | 3.59% | 3.65% | $1,000.00 |
| 27 Month | 3.49% | 3.55% | $1,000.00 |
* APY = Annual Percentage Yield. Rates subject to change without notice. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Credit Card Rates
| Term | APR* as low as | APR* |
|---|---|---|
| VISA Elite | No Annual Fee | 8.90% |
| VISA Premier | No Annual Fee | 12.90% |
| VISA Platinum | No Annual Fee | 13.90% |
Home Equity Line of Credit Rates
| Term | APR* as low as |
|---|---|
| 15-year open line of credit | Variable Rate |
| 5-year draw period | Variable Rate |
Minimum $5,000; maximum $100,000. Up to 80% combines loan-to-value
Home Equity Rates
| Term | APR* as low as |
|---|---|
| 1-4 year fixed (1st lien position) | 5.200% |
| 1-4 year fixed (2nd lien position) | 6.500% |
| 5-7 year fixed (1st lien position) | 5.500% |
| 5-7 year fixed (2nd lien position) | 6.500% |
| 8-10 year fixed (1st lien position) | 5.600% |
| 8-10 year fixed (2nd lien position) | 7.250% |
Minimum $5,000; maximum $100,000. Up to 80% combines loan-to-value
IRA Certificates Rates
| Type | Dividend Rate | APY* | Minimum To Open |
|---|---|---|---|
| 12 Month | 1.70% | 1.71% | $1,000.00 |
| 18 Month | 1.80% | 1.81% | $1,000.00 |
| 24 Month | 1.90% | 1.92% | $1,000.00 |
| 30 Month | 1.95% | 1.97% | $1,000.00 |
| 36 Month | 2.00% | 2.02% | $1,000.00 |
| 48 Month | 2.05% | 2.07% | $1,000.00 |
| 60 Month | 2.15% | 2.17% | $1,000.00 |
* APY = Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Early withdrawal may result in penalties. All certificates automatically renew at maturity.
Money Market Accounts
| Type | Dividend Rate | APY* | Minimum To Open |
|---|---|---|---|
| Money Market Plus | 1.75% | 1.76% | $2,500-$9,999 |
| Money Market Plus | 1.80% | 1.81% | $10,000-$24,999 |
| Money Market Plus | 1.90% | 1.92% | $25,000-$49,999 |
| Money Market Plus | 1.95% | 1.97% | $50,000-$99,999 |
| Money Market Plus | 2.00% | 2.02% | $100,000 or more |
* APY = Annual Percentage Yield. Dividends compound and paid monthly. Rate is subject to change without notice. Some restrictions do apply. Minimum daily balance of $2500.00 on Money Market Plus account must be maintained to earn the disclosed rate.
Mortgage Loans
For more rates and information, please contact a Financial Service Officer at (618) 254-0605.
New Used Auto Loan Rates
| Year | Term | APR* as low as |
|---|---|---|
| 2020-2027 | Up to 66 months | 4.99% |
| 2020-2027 | 67-78 months | 5.99% |
| 2024-2027 only | 79-84 months1 | 7.24% |
| 2016-2019 | Up to 66 months | 6.49% |
| 2016-2019 | 67-78 months | 7.74% |
| 2015 and older | Up to 55 months | 7.99% |
* Annual Percentage Rate
1 79-84 months available on vehicles 2024 or newer. (Some restrictions may apply.)
RVs, Boats, Motorcycles Rates
| Term | APR* as low as |
|---|---|
| 24 months | 6.50% |
| 36 months | 6.50% |
| 48 months | 6.75% |
| 60 months | 7.00% |
| 72 months | 7.50% |
| 84 months | 8.50% |
1 Maximum term on motorcycle loan is 72 months
Savings Accounts Rates
| Type | Dividend Rate | APY* | Minimum To Open |
|---|---|---|---|
| Savings | 0.05% | 0.05% | $5.00 |
| Special Savings | 0.05% | 0.05% | No Minimum |
| Christmas Club | 0.05% | 0.05% | No Minimum |
| Vacation Club | 0.05% | 0.05% | No Minimum |
| IRA Savings | 0.05% | 0.05% | No Minimum |
* APY = Annual Percentage Yield. Dividends compound and paid monthly. Rates subject to change without notice. Some restrictions do apply.
Share Certificates Rates
| Type | Dividend Rate | APY* | Minimum To Open |
|---|---|---|---|
| 91 Day | 0.05% | 0.05% | $2,500.00 |
| 6 Month | 1.00% | 1.00% | $1,000.00 |
| 12 Month | 1.70% | 1.71% | $1,000.00 |
| 18 Month | 1.80% | 1.81% | $1,000.00 |
| 24 Month | 1.90% | 1.92% | $1,000.00 |
| 30 Month | 1.95% | 1.97% | $1,000.00 |
| 36 Month | 2.00% | 2.02% | $1,000.00 |
| 48 Month | 2.05% | 2.07% | $1,000.00 |
| 60 Month | 2.15% | 2.17% | $1,000.00 |
* APY = Annual Percentage Yield. Rates subject to change without notice. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Signature Line-of-Credit Rates
| Term | APR* as low as |
|---|---|
| Revolving | 10.90% |
Special Certificates Rates
| Type | Dividend Rate | APY* | Minimum To Open |
|---|---|---|---|
| 15 Month Senior Saver ** | 1.70% | 1.71% | $1,000.00 |
| 32 Month Step-Up *** | 1.90% | 1.92% | $1,000.00 |
* APY = Annual Percentage Yield. Rates subject to change without notice. Early withdrawal may result in a penalty. All certificates automatically renew at maturity.
Stipulations: **60 or older only. No early withdrawal penalty if due to medical reasons. ***Can step-up rate once during term.