Prosper Rewards Pay My Loan ATM Locator

Rates valid as of Friday, February 23, 2018

Checking Accounts

*APY = Annual Percentage Yield. Rates are subject to change without notice.
**Rates are subject to change without notice. Fees may reduce earnings. To earn the stated rate, your S3 Checking Prime account must have a minimum balance of $100 at the end of each statement cycle. Account balance may not exceed $1,030,000.00. Other terms and conditions may apply. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA, National Credit Union Administration, a U.S. Government Agency.

Share Savings & Club Accounts

Product Balance Rate APY*
 S3 Prime Companion Savings** $100 - $24,999.99 0.50% 0.50%
$25,000.00 - $74,999.99 1.04% 1.05%
$75,000 or greater 1.44% 1.45%

 

*APY = Annual Percentage Yield. S3  Prime Companion Savings account requires an S3 Checking Prime checking account with at least 10 transactions a month (transactions include in-person or electronic deposits or withdrawals, debit card purchases, and/or ATM transactions). S3 Checking Prime may be subject to overdraft or maintenance fees outlined in our Fee Schedule. If the S3 transaction requirement is not met, the top-tier rate will be reduced to 1.30% APY. Rates are subject to change without notice. Other terms and conditions may apply.


*APY = Annual Percentage Yield. Rates are subject to change without notice. Open with $5.00 or more.

Share Certificates & IRAs

 

Product Balance Rate APY*
   12-Month Certificate $1,000.00 to $24,999.99 1.29% 1.30%
$25,000.00 to $99,999.99 1.39% 1.40%
$100,000.00 or greater 1.54% 1.55%
   12-Month Certificate Prime** $25,000.00  to $99,999.99 1.49% 1.50%
   12-Month Certificate Prime Plus*** $100,000.00 or greater 1.73% 1.75%

 

Make sure you're getting the best rate by calling a Relationship Manager at 1-800-226-6428. They'll make the process of opening your CD simple and easy.

*APY = Annual Percentage Yield. Rates and terms are subject to change without notice.
**12-Month Certificate Prime requires a minimum balance of $25,000.00 and an S3 Checking Prime checking account with at least 10 transactions a month (transactions include in-person or electronic deposits or withdrawals, debit card purchases, and/or ATM transactions). S3 Checking Prime may be subject to overdraft or maintenance fees outlined in our Fee Schedule. If the S3 Checking 
Prime transaction requirement is not met, the rate will be reduced by 0.10% APY for the remainder of the term. Other terms and conditions may apply Rates are subject to change without notice. 

***12-Month Certificate Prime Plus requires a minimum balance of $100,000.00 and an S3 Checking Prime checking account with at least 10 transactions a month (transactions include in-person or electronic deposits or withdrawals, debit card purchases, and/or ATM transactions). S3 Checking Prime may be subject to overdraft or maintenance fees outlined in our Fee Schedule. If the SChecking Prime transaction requirement is not met, the rate will be reduced by 0.10% APY for the remainder of the term. Other terms and conditions may apply. Rates are subject to change without notice. 

Fees could reduce earnings on the 12-month certificate account; penalties apply for early withdrawal which may result in loss of principal. Certificate requires a minimum deposit of $1,000; maximum deposit of $1,000,000. Certificate requires new money that has not been on deposit with MHFCU for more than 30 calendar days. 12-month promo certificate renews at a non-promotional 12-month term and rate. Account requires credit union membership with at least $5 in the share savings account. Rate and offer subject to change without notice. Non-members may join the credit union with a $15 deposit - $5 goes into your savings account to establish membership, and the remaining $10 is a tax-deductible contribution (consult your tax advisor) to our non-profit organization, The VOICE Foundation.

*APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Penalties apply for early withdrawal. There is no 3-month term for IRAs.

**APY = Annual Percentage Yield. Certificate rate valid as of 11/01/2017. Rate and offer subject to change or termination without notice. Rates shown requires new money that has not been on deposit with MHFCU for more than 30 business days. Other rates and terms are available. Fees could reduce earnings on the account. Penalties apply for early withdrawal which may result in loss of principal. Promotional certificate renews at a 24-month term and non-promotional rate. Account requires credit union membership with at least $5 in the share savings account. Non-members may join the credit union with a $15 deposit - $5 goes into your savings account to establish membership, and the remaining $10 is a tax-deductible contribution (consult your tax advisor) to our non-profit organization, The VOICE Foundation.

Ascend Account

 

*APY = Annual Percentage Yield. Rates shown require new money that has not been on deposit with McGraw-Hill FCU for more than 30 days. Maximum deposit of $500,000. Funds must be deposited with the credit union between 11/01/2017 and 12/31/2018 to earn promotional rate. $5,000 minimum balance in the Ascend Account to earn interest. Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily balances in the account. Fees could reduce earnings on this account. On 01/01/2019, rates will be converted to the traditional Money Market tiered rate structure. Current Money Market yields as of 11/01/2017: Tier 1 - $0 - $4,999.99 (0.05%), Tier 2 - $5,000 -$24,999.99 (0.10%), Tier 3 - $25,000-$99,999.99 (0.15%), Tier 4 - $100,000 - $249,999.99 (0.35%), Tier 5 - $250,000 or more (0.50%). Rates are variable and subject to change without notice at any time. Each tier reflects the current minimum daily balance required; the APY differs depending on balance in the account. A copy of the current rate sheet will be provided to you when you open your account or is available at any time upon request from the credit union. If account is closed within six (6) months of account opening, a $25 fee will be assessed. If your monthly balance drops below $5,000, a $25 fee will be assessed. Limit one promotional money market account per unique Social Security number. Account requires credit union membership with at least $5 in the share savings account. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration (NCUA), a U.S. Government Agency.

Money Market Account

 
*APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. If your monthly balance drops below $5,000 there is a $15 fee.

Premium IRA: Standard

*APY = Annual Percentage Yield. Rates and terms are subject to change without notice. Requires a minimum opening deposit of $25. The credit union is not a tax or legal advisor. Please consult with your own tax and legal advisors before taking any action that may have tax or legal consequences.

Other Checking Accounts

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings.

** Requires a minimum daily deposit of $500 and a qualifying direct deposit of your salary, pension, Social Security, or other regularly scheduled deposits of $500 or more per month electronically deposited to your account to avoid the monthly service fee. 

***Minimum monthly direct deposit of $0.01 (one cent) required to earn rate. Accounts not meeting this requirement for the month will earn 0% APY for that statement cycle.

Holiday Money Market Account
New Money Only

*APY = Annual Percentage Yield. Rates shown require new money that has been on deposit less than 14 calendar days from promo money market open date. Funds must be deposited with the credit union between 10/31/16 and 12/31/18 to earn promotional rate. $5,000 minimum balance to earn interest. Rates are variable and subject to change without notice at any time. Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily balances in the account. After 12/31/2018, rates will be converted to a tiered structure. Each tier reflects the current minimum daily balance required; the APY differs depending on balance in the account. A copy of the current rate sheet will be provided to you when you open your account or is available at any time upon request from the credit union. Fees could reduce earnings on this account. Tier 1 - $5,000-$24,999.99 (0.20%), Tier 2 - $25,000-$49,999.99 (0.25%), Tier 3 - $50,000-$99,999.999 (0.65%), Tier 4 - $100,000 - $250,000 (0.80%). Balances $250,000 and over will earn 0.25%. If account is closed within six months of account opening, a $25 fee will be assessed. If your monthly balance drops below $5,000, a $25 fee will be assessed. Limit one promotional money market account per unique Social Security number. Accounts require membership in the Credit Union, which is subject to a $5 deposit. 


Optimizer Money Market Account
New Money Only

*APY means Annual Percentage Yield. Rates are variable and subject to change without notice at any time. Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily balances in the account. Each tier described reflects the current minimum daily balance required; the APY differs depending on balance in the account. When the rates offered within two or more consecutive tiers are the same, this disclosure shows those multiple tiers as a single tier rate. The specific individual tiers are described in the rate sheet for this account. A copy of the current rate sheet will be provided to you when you open your account or is available at any time upon request from the credit union. Fees could reduce earnings on this account. Tier 1 - $5,000-$99,999.99 (0.15%), Tier 2 - $100,000-$499,999.99 (0.35%), Tier 3 - $500,000 and over (0.50%). If account is closed within six months of account opening, a $25 fee will be assessed. If your monthly balance drops below $5,000, a $15 fee will be assessed. Limit one Optimizer Money Market Account per unique social security number. Accounts require membership in the Credit Union, which is subject to a $5 deposit.

 

Maximizer Money Market Account 

As of 03/01/2017, all Maximizer Money Market Accounts have been transitioned to the Optimizer Money Market Account and rate structure.

 

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S Government Agency.

Questions? Ask McClever.

  • 1-800-226-6428 |
  • Routing Number: 226077943 |
  • NMLS# 407684
  • FDIC
  • Equal Housing Lender
  • Equal Opportunity Lender
  • Powered by Intuit