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

Current rates for MC Federal Credit Union include: 12-Month CD: 3.70%, 18-Month CD: 3.00%, 24-Month CD: 2.75%, 60-Month CD: 2.00%, Savings: 0.10%, MMA: 0.65%

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MC Federal Credit Union

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MC Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

MC Federal Credit Union's 12 Month Jumbo HSA CD - Special Relationship rates are at 3.90%, 12 Month Jumbo HSA CDs - Special Relationship rates are at 3.90%, 12 Month Jumbo IRA CDs - Special Relationship rates are at 3.90%, 12 Month Jumbo CDs - Special Relationship rates are at 3.90%, 15 Month Jumbo HSA CD - Special Relationship rates are at 3.90%. MC Federal Credit Union's savings rates are at 0.10%. MC Federal Credit Union's money market rates are at 0.65%. MC Federal Credit Union's Personal Loan Rates are as low as 9.25%. MC Federal Credit Union's Credit Card Rates are at 11.49%. 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 8.99%. Rates last updated and verified on 09/21/2026.

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: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.99%

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

MC Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Jumbo HSA Certificate - Special Relationship	3.85%	3.90%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Jumbo HSA Certificates - Special Relationship	3.85%	3.90%	12 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Jumbo IRA Certificates - Special Relationship	3.85%	3.90%	12 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Jumbo Share Certificates - Special Relationship	3.85%	3.90%	12 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Jumbo HSA Certificate - Special Relationship	3.85%	3.90%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Jumbo HSA Certificates - Special Relationship	3.85%	3.90%	15 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Jumbo IRA Certificates - Special Relationship	3.85%	3.90%	15 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Jumbo Share Certificates - Special Relationship	3.85%	3.90%	15 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month HSA Certificate - Special Relationships	3.75%	3.80%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Jumbo HSA Certificate - General Membership	3.75%	3.80%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Jumbo HSA Certificates - General Membership	3.75%	3.80%	12 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Jumbo IRA Certificates - General Membership	3.75%	3.80%	12 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Jumbo Share Certificates - General Membership	3.75%	3.80%	12 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Regular Share Certificates - Special Relationship	3.75%	3.80%	12 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month HSA Certificate - Special Relationships	3.75%	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Jumbo HSA Certificate - General Membership	3.75%	3.80%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Jumbo HSA Certificates - General Membership	3.75%	3.80%	15 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Jumbo IRA Certificates - General Membership	3.75%	3.80%	15 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Jumbo Share Certificates - General Membership	3.75%	3.80%	15 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Regular Share Certificates - Special Relationship	3.75%	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 12 month	3.75%	3.80%	12 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 15 month	3.75%	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month HSA Certificate - General Membership	3.65%	3.70%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month Regular Share Certificates - General Membership	3.65%	3.70%	12 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month HSA Certificate - General Membership	3.65%	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month Regular Share Certificates - General Membership	3.65%	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 12 month	3.65%	3.70%	12 Months
Min Deposit $500 Min Balance $500 Details General Membership; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 15 month	3.65%	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details General Membership; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Jumbo HSA Certificate - Special Relationship	3.56%	3.60%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Jumbo HSA Certificates - Special Relationship	3.56%	3.60%	6 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Jumbo IRA Certificates - Special Relationship	3.56%	3.60%	6 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Jumbo Share Certificates - Special Relationship	3.56%	3.60%	6 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month HSA Certificate - Special Relationships	3.46%	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Jumbo HSA Certificate - General Membership	3.46%	3.50%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Jumbo HSA Certificates - General Membership	3.46%	3.50%	6 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Jumbo IRA Certificates - General Membership	3.46%	3.50%	6 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Jumbo Share Certificates - General Membership	3.46%	3.50%	6 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Regular Share Certificates - Special Relationship	3.46%	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 6 month	3.46%	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month HSA Certificate - General Membership	3.36%	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month Regular Share Certificates - General Membership	3.36%	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 6 month	3.36%	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details General Membership; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Jumbo HSA Certificate - Special Relationship	3.17%	3.20%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Jumbo HSA Certificates - Special Relationship	3.17%	3.20%	18 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Jumbo IRA Certificates - Special Relationship	3.17%	3.20%	18 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Jumbo Share Certificates - Special Relationship	3.17%	3.20%	18 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month HSA Certificate - Special Relationships	3.07%	3.10%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Jumbo HSA Certificate - General Membership	3.07%	3.10%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Jumbo HSA Certificates - General Membership	3.07%	3.10%	18 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Jumbo IRA Certificates - General Membership	3.07%	3.10%	18 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Jumbo Share Certificates - General Membership	3.07%	3.10%	18 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Regular Share Certificates - Special Relationship	3.07%	3.10%	18 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 18 month	3.07%	3.10%	18 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month HSA Certificate - General Membership	2.97%	3.00%	18 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month Regular Share Certificates - General Membership	2.97%	3.00%	18 months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 18 month	2.97%	3.00%	18 Months
Min Deposit $500 Min Balance $500 Details General Membership; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Jumbo HSA Certificate - Special Relationship	2.92%	2.95%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Jumbo HSA Certificates - Special Relationship	2.92%	2.95%	24 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Jumbo IRA Certificates - Special Relationship	2.92%	2.95%	24 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Jumbo Share Certificates - Special Relationship	2.92%	2.95%	24 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month HSA Certificate - Special Relationships	2.82%	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Jumbo HSA Certificate - General Membership	2.82%	2.85%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Jumbo HSA Certificates - General Membership	2.82%	2.85%	24 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Jumbo IRA Certificates - General Membership	2.82%	2.85%	24 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Jumbo Share Certificates - General Membership	2.82%	2.85%	24 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Regular Share Certificates - Special Relationship	2.82%	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 24 month	2.82%	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month HSA Certificate - General Membership	2.72%	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month Regular Share Certificates - General Membership	2.72%	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 24 month	2.72%	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details General Membership; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Jumbo HSA Certificate - Special Relationship	2.68%	2.70%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Jumbo HSA Certificates - Special Relationship	2.68%	2.70%	36 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Jumbo IRA Certificates - Special Relationship	2.68%	2.70%	36 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Jumbo Share Certificates - Special Relationship	2.68%	2.70%	36 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month HSA Certificate - Special Relationships	2.58%	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Jumbo HSA Certificate - General Membership	2.58%	2.60%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Jumbo HSA Certificates - General Membership	2.58%	2.60%	36 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Jumbo IRA Certificates - General Membership	2.58%	2.60%	36 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Jumbo Share Certificates - General Membership	2.58%	2.60%	36 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Regular Share Certificates - Special Relationship	2.58%	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 36 month	2.58%	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month HSA Certificate - General Membership	2.48%	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month Regular Share Certificates - General Membership	2.48%	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 36 month	2.48%	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details General Membership; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Jumbo HSA Certificate - Special Relationship	2.43%	2.45%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Jumbo HSA Certificates - Special Relationship	2.43%	2.45%	48 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Jumbo IRA Certificates - Special Relationship	2.43%	2.45%	48 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Jumbo Share Certificates - Special Relationship	2.43%	2.45%	48 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month HSA Certificate - Special Relationships	2.33%	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Jumbo HSA Certificate - General Membership	2.33%	2.35%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Jumbo HSA Certificates - General Membership	2.33%	2.35%	48 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Jumbo IRA Certificates - General Membership	2.33%	2.35%	48 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Jumbo Share Certificates - General Membership	2.33%	2.35%	48 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Regular Share Certificates - Special Relationship	2.33%	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 48 month	2.33%	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month HSA Certificate - General Membership	2.23%	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month Regular Share Certificates - General Membership	2.23%	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 48 month	2.23%	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details General Membership; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Jumbo HSA Certificate - Special Relationship	2.19%	2.20%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Jumbo HSA Certificates - Special Relationship	2.19%	2.20%	60 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Jumbo IRA Certificates - Special Relationship	2.19%	2.20%	60 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Jumbo Share Certificates - Special Relationship	2.19%	2.20%	60 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month HSA Certificate - Special Relationships	2.09%	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Jumbo HSA Certificate - General Membership	2.09%	2.10%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details APY = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Jumbo HSA Certificates - General Membership	2.09%	2.10%	60 Months
Min Deposit $50,000 Details APY* = Annual Percentage Yield. HSA = Health Savings Account. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Jumbo IRA Certificates - General Membership	2.09%	2.10%	60 Months
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Jumbo Share Certificates - General Membership	2.09%	2.10%	60 Months
Min Balance $50,000 Details APY* = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Regular Share Certificates - Special Relationship	2.09%	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 60 month	2.09%	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month HSA Certificate - General Membership	1.99%	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month Regular Share Certificates - General Membership	1.99%	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details APY = Annual Percentage Yield. Rates current as of 03/24/2026. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. Early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
HSA Certificate 60 month	1.99%	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details General Membership; Balance: $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.10%	0.10%
Details Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. For Certificates, early withdrawal will incur a penalty. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Share (Savings)	0.10%	0.10%
Min Balance $25 Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Club	0.01%	0.01%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Platinum Money Market	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Money Market Accounts	2.23%	2.25%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Platinum Money Market	2.23%	2.25%
Min Balance $50,000 Details APY = Annual Percentage Yield. Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Money Market Accounts	1.98%	2.00%
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Platinum Money Market	1.98%	2.00%
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Money Market Accounts	0.65%	0.65%
Min Balance $1,000 Details Balance: $1,000-$19,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Platinum Money Market	0.65%	0.65%
Min Balance $1,000 Details Balance: $1,000-$19,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union Checking Rates

Product	Rate	APY
Fresh Start Checking	0.01%	0.01%
Min Deposit $25 Details Rates current as of 08/22/2025. $5 monthly service fee. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Share Draft (Checking)	0.01%	0.01%
Details Rates current as of 08/22/2025. All rates, terms, conditions, and programs are subject to change at the discretion of the Credit Union. Fees may reduce earnings. MC Federal Credit Union membership is required. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan-Principal Residence Fixed Term	-	-	4.75%	60 months
Details 80% Loan to Value; APR is current as of 01/09/2026. Your rate on home equity loan may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. A sample Home Equity Loan monthly payment based on $50,000 at 5.75% APR for 120 months is $548.85. A minimum loan amount of $10,000.00 is required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other fees may apply. Flood and /or property hazard insurance may be required. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Home Equity Loan-Principal Residence Fixed Term	-	-	5.00%	84 months
Details 80% Loan to Value; APR is current as of 01/09/2026. Your rate on home equity loan may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. A sample Home Equity Loan monthly payment based on $50,000 at 5.75% APR for 120 months is $548.85. A minimum loan amount of $10,000.00 is required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other fees may apply. Flood and /or property hazard insurance may be required. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Home Equity Loan-Principal Residence Fixed Term	-	-	5.50%	120 months
Details 80% Loan to Value; APR is current as of 01/09/2026. Your rate on home equity loan may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. A sample Home Equity Loan monthly payment based on $50,000 at 5.75% APR for 120 months is $548.85. A minimum loan amount of $10,000.00 is required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other fees may apply. Flood and /or property hazard insurance may be required. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Home Equity Loan-Principal Residence Fixed Term	-	-	6.00%	180 months
Details 80% Loan to Value; APR is current as of 01/09/2026. Your rate on home equity loan may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. A sample Home Equity Loan monthly payment based on $50,000 at 5.75% APR for 120 months is $548.85. A minimum loan amount of $10,000.00 is required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other fees may apply. Flood and /or property hazard insurance may be required. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
FlexChoice Home Equity Line of Credit	-	-	6.75%
Details Line of Credit rates as low as Prime; APR is current as of 01/09/2026. Your rate may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. Interest only payments during the 10-year draw period. During the 15 year repayment period, payments will be principal and interest. Locked fixed rate segments available; up to two segments at one time. Locked segment payments will consist of principal plus interest. Terms available from 3 year to 15 year maximum. Other fees may apply. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Home Equity Loan-Principal Residence Fixed Term	-	-	6.75%	240 months
Details 80% Loan to Value; APR is current as of 01/09/2026. Your rate on home equity loan may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. A sample Home Equity Loan monthly payment based on $50,000 at 5.75% APR for 120 months is $548.85. A minimum loan amount of $10,000.00 is required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other fees may apply. Flood and /or property hazard insurance may be required. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Vehicles and Demos - New Loan	-	-	4.60%
Details APR* as low as; A new vehicle is a current or prior year model with 5,000 or less miles. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Vehicles and Demos - Used Loan	-	-	5.20%
Details APR* as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycles/ATVs/Campers/Boats - New Loan	-	6.99%
Details APR* as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Motorcycles/ATVs/Campers/Boats - Used Loan	-	7.49%
Details APR* as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union Credit Card Rates

Product	Rate	APR
MC Federal Cache Visa	-	11.49%
Details Rates current as of 1/24/2026. The rates are variable and may change. Current rates range from 11.99% APR to 18.00% APR. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
MC Federal Visa Platinum	-	11.49%
Details Rates current as of 1/24/2026. The rates are variable and may change. Current rates range from 11.99% APR to 18.00% APR. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
MC Federal Premium Rewards Visa	-	13.49%
Details Rates current as of 1/24/2026. The rates are variable and may change. Current rates range from 11.99% APR to 18.00% APR. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
MC Federal Visa Signature	-	14.49%
Details Rates current as of 1/24/2026. The rates are variable and may change. Current rates range from 11.99% APR to 18.00% APR. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
MC Federal Architect Visa	-	18.00%
Details Rates current as of 1/24/2026. The rates are variable and may change. Current rates range from 11.99% APR to 18.00% APR. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.25%
Details Signature Loan rates are fixed. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
MC Federal Visa Signature	14.49%
Details Rates current as of 1/24/2026. The rates are variable and may change. Current rates range from 11.99% APR to 18.00% APR. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms, conditions, and cardholder benefits are subject to change at any time without notice. Not all applicants will qualify. Please see your Guide to Benefits for complete program details. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

MC Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
FlexChoice Home Equity Line of Credit	3.50%	-	3.50%
Details Fixed rates "as low as"; APR is current as of 01/09/2026. Your rate may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. Interest only payments during the 10-year draw period. During the 15 year repayment period, payments will be principal and interest. Locked fixed rate segments available; up to two segments at one time. Locked segment payments will consist of principal plus interest. Terms available from 3 year to 15 year maximum. Other fees may apply. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Home Equity Loan-Principal Residence Fixed Term	-	-	3.50%	36 months
Details 80% Loan to Value; APR is current as of 01/09/2026. Your rate on home equity loan may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. A sample Home Equity Loan monthly payment based on $50,000 at 5.75% APR for 120 months is $548.85. A minimum loan amount of $10,000.00 is required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other fees may apply. Flood and /or property hazard insurance may be required. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
Line of Credit	-	-	12.75%
Details Signature Line of Credit rates are variable and may change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month IRA Certificates - Traditional, Roth, & Coverdell	3.65%	-	3.70%	12 Months
Min Deposit $500 Details General Membership; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
12 Month IRA Certificates - Traditional, Roth, & Coverdell	3.75%	-	3.80%	12 Months
Min Deposit $500 Details Special Relationship; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month IRA Certificates - Traditional, Roth, & Coverdell	3.65%	-	3.70%	15 Months
Min Deposit $500 Details General Membership; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
15 Month IRA Certificates - Traditional, Roth, & Coverdell	3.75%	-	3.80%	15 Months
Min Deposit $500 Details Special Relationship; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month IRA Certificates - Traditional, Roth, & Coverdell	2.97%	-	3.00%	18 Months
Min Deposit $500 Details General Membership; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
18 Month IRA Certificates - Traditional, Roth, & Coverdell	3.07%	-	3.10%	18 Months
Min Deposit $500 Details Special Relationship; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month IRA Certificates - Traditional, Roth, & Coverdell	2.72%	-	2.75%	24 Months
Min Deposit $500 Details General Membership; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
24 Month IRA Certificates - Traditional, Roth, & Coverdell	2.82%	-	2.85%	24 Months
Min Deposit $500 Details Special Relationship; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month IRA Certificates - Traditional, Roth, & Coverdell	2.48%	-	2.50%	36 Months
Min Deposit $500 Details General Membership; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
36 Month IRA Certificates - Traditional, Roth, & Coverdell	2.58%	-	2.60%	36 Months
Min Deposit $500 Details Special Relationship; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month IRA Certificates - Traditional, Roth, & Coverdell	2.23%	-	2.25%	48 Months
Min Deposit $500 Details General Membership; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
48 Month IRA Certificates - Traditional, Roth, & Coverdell	2.33%	-	2.35%	48 Months
Min Deposit $500 Details Special Relationship; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month IRA Certificates - Traditional, Roth, & Coverdell	3.36%	-	3.40%	6 Months
Min Deposit $500 Details General Membership; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
6 Month IRA Certificates - Traditional, Roth, & Coverdell	3.46%	-	3.50%	6 Months
Min Deposit $500 Details Special Relationship; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month IRA Certificates - Traditional, Roth, & Coverdell	1.99%	-	2.00%	60 Months
Min Deposit $500 Details General Membership; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
60 Month IRA Certificates - Traditional, Roth, & Coverdell	2.09%	-	2.10%	60 Months
Min Deposit $500 Details Special Relationship; $500-$49,999 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%
IRA Variable	0.10%	-	0.10%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.99%

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.
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Financial Health History

MC Federal Credit Union’s Texas Ratio rose from 8.27% in Q2 2023 to 8.99% in Q1 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
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
June 30, 2023	$218M	8.27%	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 42

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 (96/100)

Texas Ratio

8.99%

Return on Assets (ROA)

0.3887%

Return on Equity (ROE)

3.2603%

Non-Performing Loans Ratio (NPL)

1.62%

Total Assets

249,679,608

Total Amount of Shares and Deposits

220,086,785

Total Shares and Deposits < 1 Year

213,795,353

Total Shares and Deposits 1 3 Years

5,334,819

Total Shares and Deposits > 3 Years

956,613

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

12,199,920

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

12,199,920

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

207,886,865

Total Interest Expense (Sum of items 6 8)

960,686

Share Certificates

1,922

Number of Accounts for Share Drafts

8,116

IRA KEOGH Accounts

539

Number of Accounts for Regular Shares

15,679

All other shares

738

Money Market Shares

559

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)

26,711,750

Total Liabilities

221,775,791

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

MC Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About MC Federal Credit Union

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.

Current MC Federal Credit Union Rates

12-Month CD3.70%
18-Month CD3.00%
24-Month CD2.75%
60-Month CD2.00%
Savings0.10%
MMA0.65%

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

Compare to Other Credit Unions

MC Federal Credit Union Rates & Review September 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

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?

Current MC Federal Credit Union Rates

Compare to Other Credit Unions