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MC Federal Credit Union

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MC Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at MC Federal Credit Union?

Current rates for MC Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 4.10%, 24-Month CD: 2.75%, 60-Month CD: 2.00%, Savings: 0.10%, MMA: 2.75%

Q: What CD terms does MC Federal Credit Union offer?

MC Federal Credit Union CD rates are 3.40% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.70% APY for a 15 month CD, 4.10% APY for an 18 month CD, 2.75% APY for a 2 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with MC Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

MC Federal Credit Union's 18 Month Regular CD rates are at 4.10%, 12 Month Regular CD rates are at 4.00%, 15 Month Regular CD rates are at 3.70%, 6 Month Regular CD rates are at 3.40%, 24 Month Regular CD rates are at 2.75%. MC Federal Credit Union's savings rates are at 0.10%. MC Federal Credit Union's money market rates are at 2.75%. MC Federal Credit Union's checking rates are as high as 0.01%. MC Federal Credit Union's Personal Loan Rates are as low as 9.25%. MC Federal Credit Union's Credit Card Rates are at 11.74%. MC Federal Credit Union's CD rates are 4% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of MC Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.84%. Rates last updated and verified on 10/29/2026.

MC Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at MC Federal Credit Union? Share your experience about MC Federal Credit Union by leaving a review below, or read customer reviews before you decide to use MC Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.84%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

MC Federal Credit Union
Danville

390 Walnut St
Danville, PA 17821-1503

https://www.mcfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

MC Federal Credit Union CD Rates

Product	Rate	APY	Term
Jumbo HSA Certificate - 18 month - Special Relationship	4.24%	4.30%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 4.30% ▲ 1.10 pts · high 4.30% / low 3.20% Oct 26, 20264.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 18 month - Special Relationship	4.24%	4.30%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 4.30% ▲ 1.10 pts · high 4.30% / low 3.20% Oct 26, 20264.30%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
12 Month Jumbo HSA Certificate - Special Relationship	4.14%	4.20%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; Special Relationship Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 26, 20264.20%▲ from 3.90% Sep 21, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
18 Month HSA Certificate - Special Relationships	4.14%	4.20%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; Special Relationships; HSA Certificate Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.10% → 4.20% ▲ 1.10 pts · high 4.20% / low 3.10% Oct 26, 20264.20%▲ from 3.10% Sep 18, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
18 Month Jumbo HSA Certificate	4.14%	4.20%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; General Membership Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
18 Month Regular Share Certificate - Special Relationship	4.14%	4.20%	18 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationship; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 12 month - Special Relationship	4.14%	4.20%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 26, 20264.20%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 18 month	4.14%	4.20%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.10% → 4.20% ▲ 1.10 pts · high 4.20% / low 3.10% Oct 26, 20264.20%▲ from 3.10% Oct 9, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
12 Month HSA Certificate - Special Relationships	4.04%	4.10%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; Special Relationships; HSA Certificate Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 26, 20264.10%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
12 Month Jumbo HSA Certificate	4.04%	4.10%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; General Membership Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
12 Month Regular Share Certificate - Special Relationship	4.04%	4.10%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationship; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
18 Month HSA Certificate	4.04%	4.10%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; General Membership; HSA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
18 Month Regular Share Certificate	4.04%	4.10%	18 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 12 month	4.04%	4.10%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History 1 change since Oct 9, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 26, 20264.10%▲ from 3.80% Oct 9, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
12 Month HSA Certificate	3.94%	4.00%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; General Membership; HSA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
12 Month Regular Share Certificate	3.94%	4.00%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 15 month - Special Relationship	3.85%	3.90%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 15 month - Special Relationship	3.85%	3.90%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
15 Month HSA Certificate - Special Relationships	3.75%	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; Special Relationships; HSA Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
15 Month Jumbo HSA Certificate	3.75%	3.80%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; General Membership Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
15 Month Regular Share Certificate - Special Relationship	3.75%	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationship; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 15 month	3.75%	3.80%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
15 Month HSA Certificate	3.65%	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; General Membership; HSA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
15 Month Regular Share Certificate	3.65%	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 6 month - Special Relationship	3.56%	3.60%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 6 month - Special Relationship	3.56%	3.60%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
6 Month HSA Certificate - Special Relationships	3.46%	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; Special Relationships; HSA Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
6 Month Jumbo HSA Certificate	3.46%	3.50%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; General Membership Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
6 Month Regular Share Certificate - Special Relationship	3.46%	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationship; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 6 month	3.46%	3.50%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
6 Month HSA Certificate	3.36%	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; General Membership; HSA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
6 Month Regular Share Certificate	3.36%	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 24 month - Special Relationship	2.92%	2.95%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 24 month - Special Relationship	2.92%	2.95%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
24 Month HSA Certificate - Special Relationships	2.82%	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; Special Relationships; HSA Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
24 Month Jumbo HSA Certificate	2.82%	2.85%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; General Membership Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
24 Month Regular Share Certificate - Special Relationship	2.82%	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationship; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 24 month	2.82%	2.85%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
24 Month HSA Certificate	2.72%	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; General Membership; HSA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
24 Month Regular Share Certificate	2.72%	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 36 month - Special Relationship	2.68%	2.70%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 36 month - Special Relationship	2.68%	2.70%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
36 Month HSA Certificate - Special Relationships	2.58%	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; Special Relationships; HSA Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
36 Month Jumbo HSA Certificate	2.58%	2.60%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; General Membership Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
36 Month Regular Share Certificate - Special Relationship	2.58%	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationship; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 36 month	2.58%	2.60%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
36 Month HSA Certificate	2.48%	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; General Membership; HSA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
36 Month Regular Share Certificate	2.48%	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 48 month - Special Relationship	2.43%	2.45%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 48 month - Special Relationship	2.43%	2.45%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
48 Month HSA Certificate - Special Relationships	2.33%	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; Special Relationships; HSA Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
48 Month Jumbo HSA Certificate	2.33%	2.35%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; General Membership Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
48 Month Regular Share Certificate - Special Relationship	2.33%	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationship; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 48 month	2.33%	2.35%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
48 Month HSA Certificate	2.23%	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; General Membership; HSA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
48 Month Regular Share Certificate	2.23%	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 60 month - Special Relationship	2.19%	2.20%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 60 month - Special Relationship	2.19%	2.20%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
60 Month HSA Certificate - Special Relationships	2.09%	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; Special Relationships; HSA Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
60 Month Jumbo HSA Certificate	2.09%	2.10%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and over; General Membership Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
60 Month Regular Share Certificate - Special Relationship	2.09%	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationship; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 60 month	2.09%	2.10%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
60 Month HSA Certificate	1.99%	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $49,999; General Membership; HSA Certificate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
60 Month Regular Share Certificate	1.99%	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.10%	0.10%
Details Declared Monthly Dividends; Rates current as of 08/22/2025 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Share (Savings)	0.10%	0.10%
Min Balance $25 Details Minimum $25 balance required to earn the stated APY; Rates current as of 08/22/2025 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Club Accounts - Club	0.01%	0.01%
Details Rates current as of 08/22/2025; MC Federal Credit Union membership is required Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.72%	2.75%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 or more; Dividends posted monthly; Minimum balance required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Money Market	2.23%	2.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-$99,999; Dividends posted monthly; Minimum balance required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Platinum Money Market	2.23%	2.25%
Min Deposit $50,000 Min Balance $50,000 Details Minimum $50,000 balance required to earn the stated APY; Dividends Posted Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Money Market	1.98%	2.00%
Min Deposit $1,000 Min Balance $20,000 Details Balance: $20,000-$49,999; Dividends posted monthly; Minimum balance required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Money Market	0.65%	0.65%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$19,999; Dividends posted monthly; Minimum balance required to earn the stated APY Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Checking Rates

Product	Rate	APY
Fresh Start Checking	0.01%	0.01%
Min Deposit $25 Details Minimum Opening Deposit $25; $5 monthly service fee; Rates current as of 08/22/2025 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Share Draft (Checking)	0.01%	0.01%
Details Rates current as of 08/22/2025 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan-Principal Residence	-	-	4.75%	60 months
Details As Low As; 80% Loan to Value; APR current as of 01/09/2026; minimum loan amount $10,000.00 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Home Equity Loan-Principal Residence	-	-	5.00%	84 months
Details As Low As; 80% Loan to Value; APR current as of 01/09/2026; minimum loan amount $10,000.00 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Home Equity Loan-Principal Residence	-	-	5.50%	120 months
Details As Low As; 80% Loan to Value; APR current as of 01/09/2026; minimum loan amount $10,000.00 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Home Equity Loan-Principal Residence	-	-	6.00%	180 months
Details As Low As; 80% Loan to Value; APR current as of 01/09/2026; minimum loan amount $10,000.00 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Home Equity Loan-Principal Residence	-	-	6.75%	240 months
Details As Low As; 80% Loan to Value; APR current as of 01/09/2026; minimum loan amount $10,000.00 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
FlexChoice Home Equity Line of Credit - Variable	-	-	7.00%
Details As Low As; Line of credit rates as low as Prime; APR based on highest WSJ Prime Rate as of last business day of previous month; variable rate; interest only during 10-year draw period, then 15-year repayment period with principal and interest; terms 3 to 15 years; membership required Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Vehicles and Demos - New Auto Loan	-	-	4.60%
Details As Low As; Vehicle Loan Rates; New vehicle is a current or prior year model with 5,000 or less miles; Credit restrictions apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Vehicles and Demos - Used Auto Loan	-	-	5.20%
Details As Low As; Vehicle Loan Rates; Credit restrictions apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycles/ATVs/Campers/Boats - New Loan	-	6.99%
Details As Low As; Vehicle Loan Rates; Credit restrictions apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Motorcycles/ATVs/Campers/Boats - Used Loan	-	7.49%
Details As Low As; Vehicle Loan Rates; Credit restrictions apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Credit Card Rates

Product	Rate	APR
MC Federal Cache Visa	-	11.74%
Details As Low As; APR current as of 10/24/2026; rates are variable Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 11.99% → 11.74% ▼ 0.25 pts · high 11.99% / low 11.49% Oct 29, 202611.74%▲ from 11.49% Oct 19, 202611.49%▼ from 11.99% Oct 9, 202611.99%▲ from 11.49% Sep 21, 202611.49%▼ from 11.99% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Visa Platinum	-	11.74%
Details As Low As; APR current as of 10/24/2026; rates are variable Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 11.99% → 11.74% ▼ 0.25 pts · high 11.99% / low 11.49% Oct 29, 202611.74%▲ from 11.49% Oct 19, 202611.49%▼ from 11.99% Oct 9, 202611.99%▲ from 11.49% Sep 21, 202611.49%▼ from 11.99% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Premium Rewards Visa	-	13.74%
Details As Low As; APR current as of 10/24/2026; rates are variable Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49% Oct 29, 202613.74%▲ from 13.49% Sep 14, 202613.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Visa Signature	-	14.74%
Details As Low As; APR current as of 10/24/2026; rates are variable Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 14.49% → 14.74% ▲ 0.25 pts · high 14.74% / low 14.49% Oct 29, 202614.74%▲ from 14.49% Sep 14, 202614.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Architect Visa	-	18.00%
Details As Low As; APR current as of 10/24/2026; rates are variable Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.25%
Details As Low As; Fixed rate; available up to $25,000; APR current as of 01/09/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Visa Signature	14.74%
Details As Low As; APR current as of 10/24/2026; rates are variable Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 14.49% → 14.74% ▲ 0.25 pts · high 14.74% / low 14.49% Oct 29, 202614.74%▲ from 14.49% Sep 14, 202614.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	12.75%
Details As Low As; Variable rate, may change; available up to $25,000; APR current as of 01/09/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 12 Months	3.94%	-	4.00%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 26, 20264.00%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 12 Months - Special Relationships	4.04%	-	4.10%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 15 Months	3.65%	-	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 15 Months - Special Relationships	3.75%	-	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 18 Months	4.04%	-	4.10%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 21, 2026 · 3.10% → 4.10% ▲ 1.00 pts · high 4.10% / low 3.10% Oct 26, 20264.10%▲ from 3.10% Sep 21, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 18 Months - Special Relationships	4.14%	-	4.20%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 24 Months	2.72%	-	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 24 Months - Special Relationships	2.82%	-	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 36 Months	2.48%	-	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 36 Months - Special Relationships	2.58%	-	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 48 Months	2.23%	-	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 48 Months - Special Relationships	2.33%	-	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 6 Months	3.36%	-	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 6 Months - Special Relationships	3.46%	-	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 60 Months	1.99%	-	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; General Membership; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Sep 21, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate - 60 Months - Special Relationships	2.09%	-	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Special Relationships; Minimum Opening Balance = $500; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 12 Months	3.94%	-	4.00%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; General Membership; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 12 Months - Special Relationship	4.04%	-	4.10%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 15 Months	3.65%	-	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; General Membership; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 15 Months - Special Relationship	3.75%	-	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 18 Months	4.04%	-	4.10%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; General Membership; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 18 Months - Special Relationship	4.14%	-	4.20%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 24 Months	2.72%	-	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; General Membership; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 24 Months - Special Relationship	2.82%	-	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 36 Months	2.48%	-	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; General Membership; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 36 Months - Special Relationship	2.58%	-	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 48 Months	2.23%	-	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; General Membership; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 48 Months - Special Relationship	2.33%	-	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 6 Months	3.36%	-	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; General Membership; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 6 Months - Special Relationship	3.46%	-	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 60 Months	1.99%	-	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; General Membership; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Certificates - 60 Months - Special Relationship	2.09%	-	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999; Traditional, Roth, & Coverdell; Special Relationship; Minimum Opening Balance $500; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Variable	0.10%	-	0.10%
Details Declared monthly dividends; Rates current as of 08/22/2025 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 12 Months	4.04%	-	4.10%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80% Oct 26, 20264.10%▲ from 3.90% Sep 18, 20263.90%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 12 Months - Special Relationship	4.14%	-	4.20%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; Special Relationship; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.20% ▲ 0.30 pts · high 4.20% / low 3.90% Oct 26, 20264.20%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 15 Months	3.75%	-	3.80%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 18 Months	4.14%	-	4.20%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.10% → 4.20% ▲ 1.10 pts · high 4.20% / low 3.10% Oct 26, 20264.20%▲ from 3.20% Sep 18, 20263.20%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 24 Months	2.82%	-	2.85%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 36 Months	2.58%	-	2.60%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 48 Months	2.33%	-	2.35%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 6 Months	3.46%	-	3.50%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 60 Months	2.09%	-	2.10%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Over; General Membership; Minimum Opening Balance = $50,000; Early withdrawal penalty applies Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 12 Months	4.04%	-	4.10%	12 Months
Min Balance $50,000 Details General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 12 Months - Special Relationship	4.14%	-	4.20%	12 Months
Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 15 Months	3.75%	-	3.80%	15 Months
Min Balance $50,000 Details General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 15 Months - Special Relationship	3.85%	-	3.90%	15 Months
Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 18 Months	4.14%	-	4.20%	18 Months
Min Balance $50,000 Details General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 18 Months - Special Relationship	4.24%	-	4.30%	18 Months
Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 24 Months	2.82%	-	2.85%	24 Months
Min Balance $50,000 Details General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 24 Months - Special Relationship	2.92%	-	2.95%	24 Months
Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 36 Months	2.58%	-	2.60%	36 Months
Min Balance $50,000 Details General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 36 Months - Special Relationship	2.68%	-	2.70%	36 Months
Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 48 Months	2.33%	-	2.35%	48 Months
Min Balance $50,000 Details General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 48 Months - Special Relationship	2.43%	-	2.45%	48 Months
Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 6 Months	3.46%	-	3.50%	6 Months
Min Balance $50,000 Details General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 6 Months - Special Relationship	3.56%	-	3.60%	6 Months
Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 60 Months	2.09%	-	2.10%	60 Months
Min Balance $50,000 Details General Membership; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificate - 60 Months - Special Relationship	2.19%	-	2.20%	60 Months
Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell; Balance: $50,000 and over; Rates current as of 10/21/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

MC Federal Credit Union’s Texas Ratio rose from 8.68% in Q3 2023 to 11.84% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$247M	11.84%	5.0	A
March 31, 2026	$250M	8.99%	5.0	A
December 31, 2025	$243M	13.76%	5.0	A
September 30, 2025	$243M	9.74%	5.0	A
June 30, 2025	$244M	10.83%	5.0	A
March 31, 2025	$243M	8.75%	5.0	A
December 31, 2024	$234M	6.37%	5.0	A
September 30, 2024	$229M	11.14%	5.0	A
June 30, 2024	$229M	11.94%	5.0	A
March 31, 2024	$224M	8.21%	5.0	A
December 31, 2023	$214M	8.20%	5.0	A
September 30, 2023	$212M	8.68%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for MC Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather MC Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with MC Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MC Federal Credit Union

Website https://www.mcfcu.org

Address 390 Walnut St, Danville, PA 17821-1503

Phone 570-275-6155

Fax 570-275-4176

President Douglas Bastian

CEO Elba Arenas

Full-Time Employees 44

Part-Time Employees 5

Branch Locations 6

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.84%

Return on Assets (ROA)

0.7488%

Return on Equity (ROE)

6.0393%

Non-Performing Loans Ratio (NPL)

2.12%

Total Assets

247,164,959

Total Amount of Shares and Deposits

216,693,928

Total Shares and Deposits < 1 Year

210,620,211

Total Shares and Deposits 1 3 Years

5,051,939

Total Shares and Deposits > 3 Years

1,021,776

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,076,496

Total Uninsured Shares and Deposits > $250K (F+J)

10,076,496

Total Insured Shares and Deposits > $250K (item 17 less item K)

206,617,432

Total Interest Expense (Sum of items 6 8)

1,898,675

Share Certificates

1,916

Number of Accounts for Share Drafts

8,089

IRA KEOGH Accounts

535

Number of Accounts for Regular Shares

15,748

All other shares

704

Money Market Shares

574

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,572,608

Total Liabilities

218,383,242

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

MC Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

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Frequently Asked Questions About MC Federal Credit Union

Does MC Federal Credit Union offer CDs?

Yes. MC Federal Credit Union current CD rates include its 18 Month Regular CD at 4.10% APY, its 12 Month Regular CD at 4.00% APY and its 15 Month Regular CD at 3.70% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from MC Federal Credit Union NCUA insured?

Yes. MC Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at MC Federal Credit Union?

The highest MC Federal Credit Union CD rate is its Jumbo HSA CD - 18 month - Special Relationship at 4.30% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does MC Federal Credit Union offer?

MC Federal Credit Union CD rates are 3.40% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.70% APY for a 15 month CD, 4.10% APY for an 18 month CD, 2.75% APY for a 2 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with MC Federal Credit Union for its full lineup.

What is the highest savings rate at MC Federal Credit Union?

The highest MC Federal Credit Union savings rate is its Health Savings Account (HSA) at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at MC Federal Credit Union?

The highest MC Federal Credit Union money market rate is its Money Market at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at MC Federal Credit Union?

The highest MC Federal Credit Union checking rate is its Fresh Start Checking at 0.01% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at MC Federal Credit Union?

The lowest MC Federal Credit Union auto loan rate is its Vehicles and Demos - New Auto Loan at 4.60% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at MC Federal Credit Union?

The lowest MC Federal Credit Union personal loan rate is its Signature Loan at 9.25% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at MC Federal Credit Union?

The lowest MC Federal Credit Union credit card APR is its MC Federal Cache Visa Credit Card at 11.74% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does MC Federal Credit Union operate?

MC Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join MC Federal Credit Union?

Yes, to access services at MC Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, MC Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, MC Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does MC Federal Credit Union offer online and mobile banking?

Most modern institutions like MC Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mcfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do MC Federal Credit Union rates compare?

MC Federal Credit Union's CD rates are 4% higher than the MonitorBankRates national average, and it has an A health rating. MC Federal Credit Union's top rates are its Jumbo HSA CD - 18 month - Special Relationship at 4.30% APY, its Health Savings Account (HSA) at 0.10% APY, its Money Market at 2.75% APY, its Fresh Start Checking at 0.01% APY, its Signature Loan at 9.25% APR and its MC Federal Cache Visa Credit Card at 11.74% APR, verified by MonitorBankRates on October 29, 2026.

Current MC Federal Credit Union Rates

12-Month CD4.00%
18-Month CD4.10%
24-Month CD2.75%
60-Month CD2.00%
Savings0.10%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

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MC Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

MC Federal Credit Union Texas Ratio

MC Federal Credit Union Health Trend

MC Federal Credit Union CD Rates

MC Federal Credit Union Savings Rates

MC Federal Credit Union Money Market Rates

MC Federal Credit Union Checking Rates

MC Federal Credit Union Home Equity & HELOC

MC Federal Credit Union Auto Loan Rates

MC Federal Credit Union RV, Boat and Powersport Loan Rates

MC Federal Credit Union Credit Card Rates

MC Federal Credit Union Personal Loan Rates

MC Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

MC Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About MC Federal Credit Union

Does MC Federal Credit Union offer CDs?

Are CDs from MC Federal Credit Union NCUA insured?

What is the highest CD rate at MC Federal Credit Union?

What CD terms does MC Federal Credit Union offer?

What is the highest savings rate at MC Federal Credit Union?

What is the highest money market rate at MC Federal Credit Union?

What is the highest checking rate at MC Federal Credit Union?

What is the lowest auto loan rate at MC Federal Credit Union?

What is the lowest personal loan rate at MC Federal Credit Union?

What is the lowest credit card APR at MC Federal Credit Union?

How many branches does MC Federal Credit Union operate?

Is a member application needed to join MC Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does MC Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do MC Federal Credit Union rates compare?

Current MC Federal Credit Union Rates

Compare to Other Credit Unions