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MCU Financial Center Credit Union

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MCU Financial Center Credit Union Rates & Review November 2026

Q: What are the current interest rates at MCU Financial Center Credit Union?

Current rates for MCU Financial Center Credit Union include: 12-Month CD: 1.50%, 24-Month CD: 2.00%, 60-Month CD: 2.75%, Savings: 0.20%

Q: What CD terms does MCU Financial Center Credit Union offer?

MCU Financial Center Credit Union CD rates are 1.50% APY for a 12 month CD, 2.00% APY for a 2 year CD, 2.50% APY for a 3 year CD, 2.65% APY for a 4 year CD and 2.75% 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 MCU Financial Center Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

MCU Financial Center Credit Union's CD - 5-Year rates are at 2.75%, CD - 60 month rates are at 2.75%, CD - 4-Year rates are at 2.65%, CD - 48 month rates are at 2.65%, CD - 3-Year rates are at 2.50%. MCU Financial Center Credit Union's savings rates are at 0.20%. MCU Financial Center Credit Union's checking rates are as high as 0.01%. MCU Financial Center Credit Union's Personal Loan Rates are as low as 11.49%. MCU Financial Center Credit Union's Credit Card Rates are at 9.99%. MCU Financial Center Credit Union's CD rates are 35% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of MCU Financial Center Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.66%. Rates last updated and verified on 10/29/2026.

MCU Financial Center 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 MCU Financial Center Credit Union? Share your experience about MCU Financial Center Credit Union by leaving a review below, or read customer reviews before you decide to use MCU Financial Center Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.66%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

MCU Financial Center Credit Union
MCU Financial Center C U

1462 S Green Bay Rd
Mount Pleasant, WI 53406-4488

https://www.mcucreditunion.com

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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.

MCU Financial Center Credit Union CD Rates

Product	Rate	APY	Term
IRA/Share Certificate - 9 month Special	3.50%	3.50%	9 Months
Min Balance $500 Details Special rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 9 month Special	3.50%	3.50%	9 Months
Min Deposit $500 Min Balance $500 Details IRA/Share Certificates; Special 9 month term; Share Certificates are fixed-rate accounts; Early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 9-Month Special	3.50%	3.50%	9-Month
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
IRA/Share Certificate - 60 month	2.75%	2.75%	60 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 5-Year	2.75%	2.75%	5-Year
Min Deposit $500 Min Balance $500 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: 4.66%
Share Certificate - 60 month	2.75%	2.75%	60 Months
Min Deposit $500 Min Balance $500 Details IRA/Share Certificates; Share Certificates are fixed-rate accounts; Early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
IRA/Share Certificate - 48 month	2.65%	2.65%	48 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 4-Year	2.65%	2.65%	4-Year
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 48 month	2.65%	2.65%	48 Months
Min Deposit $500 Min Balance $500 Details IRA/Share Certificates; Share Certificates are fixed-rate accounts; Early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
IRA/Share Certificate - 36 month	2.50%	2.50%	36 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 3-Year	2.50%	2.50%	3-Year
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 36 month	2.50%	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details IRA/Share Certificates; Share Certificates are fixed-rate accounts; Early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
IRA/Share Certificate - 24 month	2.00%	2.00%	24 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 2-Year	2.00%	2.00%	2-Year
Min Deposit $500 Min Balance $500 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: 4.66%
Share Certificate - 24 month	2.00%	2.00%	24 Months
Min Deposit $500 Min Balance $500 Details IRA/Share Certificates; Share Certificates are fixed-rate accounts; Early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
IRA/Share Certificate - 12 month	1.50%	1.50%	12 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 1-Year	1.50%	1.50%	1-Year
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 12 month	1.50%	1.50%	12 Months
Min Deposit $500 Min Balance $500 Details IRA/Share Certificates; Share Certificates are fixed-rate accounts; Early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
IRA/Share Certificate - 6 month	1.00%	1.00%	6 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 6 month	1.00%	1.00%	6 Months
Min Deposit $500 Min Balance $500 Details IRA/Share Certificates; Share Certificates are fixed-rate accounts; Early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 6-Month	1.00%	1.00%	6-Month
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
IRA/Share Certificate - 3 month	0.50%	0.50%	3 Months
Min Balance $500 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 3 month	0.50%	0.50%	3 Months
Min Deposit $500 Min Balance $500 Details IRA/Share Certificates; Share Certificates are fixed-rate accounts; Early withdrawal penalty 90 days of dividends Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Share Certificate - 3-Month	0.50%	0.50%	3-Month
Min Deposit $500 Min Balance $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union Savings Rates

Product	Rate	APY
Retirement Tree - Individual Retirement Share (IRA) Account	0.75%	0.75%
Min Deposit $100 Min Balance $75,001 Details Balance: $75,001 - Greater; Tiered Account; Regular Savings account required; $25.00 fee per withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 0.26% → 0.75% ▲ 0.49 pts · high 0.75% / low 0.26% Oct 26, 20260.75%▲ from 0.26% Oct 5, 20260.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.65%	0.65%
Min Deposit $100 Min Balance $50,001 Details Balance: $50,001 - $75,000; Tiered Account; Regular Savings account required; $25.00 fee per withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 0.20% → 0.65% ▲ 0.45 pts · high 0.65% / low 0.20% Oct 26, 20260.65%▲ from 0.20% Oct 5, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.55%	0.55%
Min Deposit $100 Min Balance $30,001 Details Balance: $30,001 - $50,000; Tiered Account; Regular Savings account required; $25.00 fee per withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.45%	0.45%
Min Deposit $100 Min Balance $10,001 Details Balance: $10,001 - $30,000; Tiered Account; Regular Savings account required; $25.00 fee per withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 0.11% → 0.45% ▲ 0.34 pts · high 0.45% / low 0.11% Oct 26, 20260.45%▲ from 0.11% Oct 5, 20260.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.35%	0.35%
Min Deposit $100 Min Balance $100 Details Balance: $100 - $10,000; Tiered Account; Regular Savings account required; $25.00 fee per withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 0.08% → 0.35% ▲ 0.27 pts · high 0.35% / low 0.08% Oct 26, 20260.35%▲ from 0.08% Oct 5, 20260.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.26%	0.26%
Min Deposit $100 Min Balance $75,001 Details Balance: $75,001 - Greater; Tiered Account; A Regular Savings account is required; Account transfer limitations apply; $25.00 fee for each withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Tree Savings Accounts	0.20%	0.20%
Min Balance $50,001 Details Balance: $50,001 - Greater Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.20%	0.20%
Min Deposit $100 Min Balance $50,001 Details Balance: $50,001 - $75,000; Tiered Account; A Regular Savings account is required; Account transfer limitations apply; $25.00 fee for each withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Tree Savings Accounts	0.15%	0.15%
Min Balance $25,001 Details Balance: $25,001 - $50,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.15%	0.15%
Min Deposit $100 Min Balance $25,001 Details Balance: $25,001 - $50,000; Tiered Account; A Regular Savings account is required; Account transfer limitations apply; $25.00 fee for each withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Tree Savings Accounts	0.12%	0.12%
Min Balance $10,001 Details Balance: $10,001 - $25,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.11%	0.11%
Min Deposit $100 Min Balance $10,001 Details Balance: $10,001 - $25,000; Tiered Account; A Regular Savings account is required; Account transfer limitations apply; $25.00 fee for each withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.11% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Tree Savings Accounts	0.09%	0.09%
Min Balance $2,000 Details Balance: $2,000 - $10,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.09% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Retirement Tree - Individual Retirement Share (IRA) Account	0.08%	0.08%
Min Deposit $100 Min Balance $100 Details Balance: $100 - $10,000; Tiered Account; A Regular Savings account is required; Account transfer limitations apply; $25.00 fee for each withdrawal, direct transfer or rollover before age 59 1/2 Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Growing Tree Savings - Christmas Club	0.06%	0.06%
Min Balance $100 Details Min Daily Balance to earn APY: $100.00; Min Balance: No minimum Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Growing Tree Savings - Regular Share	0.06%	0.06%
Min Deposit $15 Min Balance $100 Details Min Daily Balance to earn APY: $100.00; Min Balance: $15.00 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Growing Tree Savings Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5 - $100; For children thru age 18. Tiered account. Account will convert into a Regular Share Savings account at age 19. Account transfer limitations apply. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Growing Tree Savings Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $101 Details Balance: $101 - $350; For children thru age 18. Tiered account. Account will convert into a Regular Share Savings account at age 19. Account transfer limitations apply. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Growing Tree Savings Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $351 Details Balance: $351 - $500; For children thru age 18. Tiered account. Account will convert into a Regular Share Savings account at age 19. Account transfer limitations apply. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Growing Tree Savings Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $501 Details Balance: $501 - $1,000; For children thru age 18. Tiered account. Account will convert into a Regular Share Savings account at age 19. Account transfer limitations apply. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Growing Tree Savings Accounts	0.05%	0.05%
Min Deposit $5 Min Balance $1,001 Details Balance: $1,001 - Greater; For children thru age 18. Tiered account. Account will convert into a Regular Share Savings account at age 19. Account transfer limitations apply. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union Checking Rates

Product	Rate	APY
Checking/Share Draft	0.01%	0.01%
Min Balance $1,000 Details Dividend Rate 0.01%; Minimum daily balance to earn the stated APY; Cost of checks/drafts purchased is the minimum balance to open Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Checkless Checking	0.01%	0.01%
Min Balance $1,000 Details Dividend Rate 0.01%; Minimum daily balance to earn the stated APY; No minimum balance required to open Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Checking	0.01%	0.01%
Min Balance $1,000 Details Dividend Rate 0.01%; Minimum daily balance to earn the stated APY; Cost of checks/drafts purchased is the minimum balance to open Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Loan - 2nd Fixed	-	-	6.50%
Details As Low As; Home Equity Options; APR column shows 'As low as 6.50%' Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Home Equity Line of Credit - Variable	-	-	6.75%
Details As Low As; Home Equity Options; APR column shows 'As low as 6.75%' Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2024 & Newer Automobiles and Motorcycles	-	-	3.49%	36 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2024 & Newer Automobiles and Motorcycles	-	-	3.49%	48 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2024 & Newer Automobiles and Motorcycles	-	-	3.49%	60 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2024 & Newer Automobiles and Motorcycles	-	-	3.49%	72 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2018 - 2023 Automobiles and Motorcycles	-	-	4.99%	36 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2018 - 2023 Automobiles and Motorcycles	-	-	5.24%	48 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2018 - 2023 Automobiles and Motorcycles	-	-	5.49%	60 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2018 - 2023 Automobiles and Motorcycles	-	-	5.74%	72 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 - Older Automobiles and Motorcycles	-	-	8.99%	36 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.99% ▲ 0.50 pts · high 8.99% / low 8.49% Oct 5, 20268.99%▲ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 - Older Automobiles and Motorcycles	-	-	9.49%	48 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.49% ▲ 0.50 pts · high 9.49% / low 8.99% Oct 5, 20269.49%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 - Older Automobiles and Motorcycles	-	-	9.99%	60 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 9.99% ▲ 0.50 pts · high 9.99% / low 9.49% Oct 5, 20269.99%▲ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 - Older Automobiles and Motorcycles	-	-	10.49%	72 Months
Details 72-month loans limited to amounts >$20,000; excludes MCU refinances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99% Oct 5, 202610.49%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
2024 & Newer Automobiles and Motorcycles	-	3.49%	36 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2024 & Newer Automobiles and Motorcycles	-	3.49%	48 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2024 & Newer Automobiles and Motorcycles	-	3.49%	60 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2024 & Newer Automobiles and Motorcycles	-	3.49%	72 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2018 - 2023 Automobiles and Motorcycles	-	4.99%	36 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2018 - 2023 Automobiles and Motorcycles	-	5.24%	48 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2018 - 2023 Automobiles and Motorcycles	-	5.49%	60 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2018 - 2023 Automobiles and Motorcycles	-	5.74%	72 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 & Newer Boats and Campers Loan	-	7.99%	72 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 & Newer Boats and Campers Loan	-	8.49%	84 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2022 & Newer Powersports Loan	-	8.49%	36 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 & Newer Boats and Campers Loan	-	8.99%	96 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 - Older Automobiles and Motorcycles	-	8.99%	36 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.49% → 8.99% ▲ 0.50 pts · high 8.99% / low 8.49% Oct 5, 20268.99%▲ from 8.49% Sep 14, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2021 - Older Powersports Loan	-	8.99%	36 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2022 & Newer Powersports Loan	-	8.99%	48 Months
Details APR printed without % sign on source page Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2016 - Older Boats and Campers Loan	-	9.49%	72 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 - Older Automobiles and Motorcycles	-	9.49%	48 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.49% ▲ 0.50 pts · high 9.49% / low 8.99% Oct 5, 20269.49%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2021 - Older Powersports Loan	-	9.49%	48 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2022 & Newer Powersports Loan	-	9.49%	60 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2016 - Older Boats and Campers Loan	-	9.99%	84 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 - Older Automobiles and Motorcycles	-	9.99%	60 Months
Details APR based on credit score; excludes MCU refinances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.49% → 9.99% ▲ 0.50 pts · high 9.99% / low 9.49% Oct 5, 20269.99%▲ from 9.49% Sep 14, 20269.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2021 - Older Powersports Loan	-	9.99%	60 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2016 - Older Boats and Campers Loan	-	10.49%	96 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 - Older Automobiles and Motorcycles	-	10.49%	72 Months
Details 72-month loans limited to amounts >$20,000; excludes MCU refinances Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99% Oct 5, 202610.49%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
2017 & Newer Boats and Campers Loan	-	10.99%	180 - 240 Months
Details Payment per $1,000 ranges $11.36 - $10.31 (see footnote ***) Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union Credit Card Rates

Product	Rate	APR
Visa Classic Credit Cards	-	9.99%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Visa Scorecard Rewards Credit Cards	-	17.99%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Visa Secured Creditbuilder Credit Cards	-	17.99%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loans	11.49%	12 Months
Details Unsecured loan limits $500 - $10,000; maximum term 60 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Unsecured Loans	11.99%	24 Months
Details Unsecured loan limits $500 - $10,000; maximum term 60 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Unsecured Loans	12.49%	36 Months
Details Unsecured loan limits $500 - $10,000; maximum term 60 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Unsecured Loans	12.99%	48 Months
Details Unsecured loan limits $500 - $10,000; maximum term 60 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Unsecured Loans	13.49%	60 Months
Details Unsecured loan limits $500 - $10,000; maximum term 60 months Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

MCU Financial Center Credit Union Other Rates

Product	Rate	Points	APY/APR
KwikCash Loan	-	-	12.90%
Details Kwik Cash limits may vary Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Tree MAX Account	0.50%	-	0.50%
Min Balance $50,000 Details Balance: $50,000 - $100,000; Daily minimum balance of $50,000.00 required to earn APY; Must have MCU Option Card and Checking Account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Tree MAX Account	1.00%	-	1.00%
Min Balance $100,001 Details Balance: $100,001 - $150,000; Daily minimum balance of $50,000.00 required to earn APY; Must have MCU Option Card and Checking Account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Tree MAX Account	1.50%	-	1.50%
Min Balance $150,001 Details Balance: $150,001 - $200,000; Daily minimum balance of $50,000.00 required to earn APY; Must have MCU Option Card and Checking Account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%
Money Tree MAX Account	2.00%	-	2.00%
Min Balance $200,001 Details Balance: $200,001 - Greater; Daily minimum balance of $50,000.00 required to earn APY; Must have MCU Option Card and Checking Account Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.66%

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

MCU Financial Center Credit Union’s Texas Ratio stayed near 4.44% in Q3 2023 to 4.66% in Q2 2026, so its financial health has stayed very strong 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	$31M	4.66%	5.0	A+
March 31, 2026	$31M	4.52%	5.0	A+
December 31, 2025	$30M	4.47%	5.0	A+
September 30, 2025	$30M	5.11%	5.0	A+
June 30, 2025	$30M	6.79%	5.0	A
March 31, 2025	$30M	4.69%	5.0	A+
December 31, 2024	$30M	7.25%	5.0	A
September 30, 2024	$30M	4.97%	5.0	A+
June 30, 2024	$30M	3.65%	5.0	A+
March 31, 2024	$30M	2.82%	5.0	A+
December 31, 2023	$29M	4.14%	5.0	A+
September 30, 2023	$30M	4.44%	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 MCU Financial Center 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 MCU Financial Center 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 MCU Financial Center Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name MCU Financial Center Credit Union

Website https://www.mcucreditunion.com

Address 1462 S Green Bay Rd, Mount Pleasant, WI 53406-4488

Phone 262-634-6691

Fax 262-634-1210

President Jeffrey Passarelli

CEO Brannan Hood

Full-Time Employees 8

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.66%

Return on Assets (ROA)

0.2333%

Return on Equity (ROE)

2.2092%

Non-Performing Loans Ratio (NPL)

0.67%

Total Assets

31,187,665

Total Amount of Shares and Deposits

27,765,328

Total Shares and Deposits < 1 Year

25,094,051

Total Shares and Deposits 1 3 Years

2,542,967

Total Shares and Deposits > 3 Years

128,310

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

319,603

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

319,603

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

27,445,725

Total Interest Expense (Sum of items 6 8)

127,418

Share Certificates

240

Number of Accounts for Share Drafts

853

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,132

Non Member Deposits

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

72,757

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)

1,095,149

Total Liabilities

27,894,373

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

MCU Financial Center Credit Union earned the Verified Healthy badge

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

Customer Reviews

There are no reviews for MCU Financial Center Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About MCU Financial Center Credit Union

Does MCU Financial Center Credit Union offer CDs?

Yes. MCU Financial Center Credit Union current CD rates include its CD - 5-Year at 2.75% APY, its CD - 60 month at 2.75% APY and its CD - 4-Year at 2.65% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from MCU Financial Center Credit Union NCUA insured?

Yes. MCU Financial Center 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 MCU Financial Center Credit Union?

The highest MCU Financial Center Credit Union CD rate is its IRA/CD - 9 month Special at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does MCU Financial Center Credit Union offer?

MCU Financial Center Credit Union CD rates are 1.50% APY for a 12 month CD, 2.00% APY for a 2 year CD, 2.50% APY for a 3 year CD, 2.65% APY for a 4 year CD and 2.75% 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 MCU Financial Center Credit Union for its full lineup.

What is the highest savings rate at MCU Financial Center Credit Union?

The highest MCU Financial Center Credit Union savings rate is its Money Tree Savings Accounts at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at MCU Financial Center Credit Union?

The highest MCU Financial Center Credit Union checking rate is its Business Checking at 0.01% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at MCU Financial Center Credit Union?

The lowest MCU Financial Center Credit Union personal loan rate is its Unsecured Loans at 11.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at MCU Financial Center Credit Union?

The lowest MCU Financial Center Credit Union credit card APR is its Visa Classic Credit Cards at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does MCU Financial Center Credit Union operate?

MCU Financial Center 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 MCU Financial Center Credit Union?

Yes, to access services at MCU Financial Center 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, MCU Financial Center 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, MCU Financial Center Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does MCU Financial Center Credit Union offer online and mobile banking?

Most modern institutions like MCU Financial Center 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.mcucreditunion.com.

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 MCU Financial Center Credit Union rates compare?

MCU Financial Center Credit Union's CD rates are 35% lower than the MonitorBankRates national average, and it has an A+ health rating. MCU Financial Center Credit Union's top rates are its IRA/CD - 9 month Special at 3.50% APY, its Money Tree Savings Accounts at 0.20% APY, its Business Checking at 0.01% APY, its Unsecured Loans at 11.49% APR and its Visa Classic Credit Cards at 9.99% APR, verified by MonitorBankRates on October 29, 2026.

Current MCU Financial Center Credit Union Rates

12-Month CD1.50%
24-Month CD2.00%
60-Month CD2.75%
Savings0.20%

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

Compare to Other Credit Unions

MCU Financial Center Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

MCU Financial Center Credit Union Texas Ratio

MCU Financial Center Credit Union Health Trend

MCU Financial Center Credit Union CD Rates

MCU Financial Center Credit Union Savings Rates

MCU Financial Center Credit Union Checking Rates

MCU Financial Center Credit Union Business Checking Rates

MCU Financial Center Credit Union Home Equity & HELOC

MCU Financial Center Credit Union Auto Loan Rates

MCU Financial Center Credit Union RV, Boat and Powersport Loan Rates

MCU Financial Center Credit Union Credit Card Rates

MCU Financial Center Credit Union Personal Loan Rates

MCU Financial Center Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

MCU Financial Center Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About MCU Financial Center Credit Union

Does MCU Financial Center Credit Union offer CDs?

Are CDs from MCU Financial Center Credit Union NCUA insured?

What is the highest CD rate at MCU Financial Center Credit Union?

What CD terms does MCU Financial Center Credit Union offer?

What is the highest savings rate at MCU Financial Center Credit Union?

What is the highest checking rate at MCU Financial Center Credit Union?

What is the lowest personal loan rate at MCU Financial Center Credit Union?

What is the lowest credit card APR at MCU Financial Center Credit Union?

How many branches does MCU Financial Center Credit Union operate?

Is a member application needed to join MCU Financial Center Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does MCU Financial Center 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 MCU Financial Center Credit Union rates compare?

Current MCU Financial Center Credit Union Rates

Compare to Other Credit Unions