NCUA Insured
Each member’s account is insured up to $100,000 by the National Credit Union Administration (NCUA), a U.S. government agency. IRAs are insured up to an additional $100,000.

*Regular Share Account
*Free Checking
*Term Share Certificates
*High Yield Accounts
*Maxi Yield Accounts
*IRA Accounts


Regular Share
Begin credit union membership with an initial deposit of $5.00 into the Regular Savings Account. This $5.00 represents your credit union share and must remain on deposit in order to maintain your membership status. Dividends are paid on balances of $200 or more (computed daily, paid and compounded quarterly).

Free Checking
When you make the switch to a MCFCU Checking Account, it will be the right choice for you.
* No minimum balance requirement
* No monthly maintenance fee
* No per check transaction fees
* Carbonless copies and monthly statements
* Overdraft protection (line-of-credit)to qualified members

Term Share Certificates
Choose from a wide range of certificate terms from three months to five years, all with a minimum deposit of $500. The annual dividends are computed daily, paid and compounded monthly. The dividend payment can either remain in your certificate, or you can arrange to have it transferred to your savings or checking account.

High Yield Accounts
Open a High Yield Account with a minimum deposit of $2,000. The dividend is computed daily, paid and compounded monthly. Make up to three withdrawals per calendar month, and make deposits at any time.

Maxi Yield Accounts
The Maxi Yield Account works just like the High Yield Account, except the minimum deposit is $10,000. See the rate chart.

IRA Accounts
Save for retirement and qualified members can save on taxes today in a MCFCU IRA. Make your entire contribution into an IRA Share Account or make deposits throughout the year. Dividends are computed daily, paid and compounded semiannually. MCFCU offers three IRA options:
* Roth
* Education
* Traditional

Check with your tax advisor regarding your IRA eligibility.