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: 2.75%

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MC Federal Credit Union

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MC Federal Credit Union Rates & Review October 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: October 9, 2026

MC Federal Credit Union's top rates as of October 9, 2026 are 3.90% APY on its Jumbo HSA CD - 12 month - Special Relationship, 0.10% APY on savings, 2.75% APY on money market accounts, 0.01% APY on checking, personal loans from 9.25% APR, and credit cards from 11.99% APR, according to rates verified by MonitorBankRates. Other MC Federal Credit Union CD rates include Jumbo HSA CD - 15 month - Special Relationship at 3.90%, Jumbo CDs - 12 month at 3.90%, and Jumbo CDs - 15 month at 3.90%. MonitorBankRates evaluates the financial stability of MC Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.84%. Rates last updated and verified on 10/09/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.84%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

MC Federal Credit Union
Danville

390 Walnut St
Danville, PA 17821-1503

https://www.mcfcu.org

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

MC Federal Credit Union CD Rates

Product	Rate	APY	Term
Jumbo HSA Certificate - 12 month - Special Relationship	3.85%	3.90%	12 Months
Min Deposit $50,000 Details Jumbo HSA Certificates - Special Relationship Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 15 month - Special Relationship	3.85%	3.90%	15 Months
Min Deposit $50,000 Details Jumbo HSA Certificates - Special Relationship Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 12 month	3.85%	3.90%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 15 month	3.85%	3.90%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 12 month	3.75%	3.80%	12 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 15 month	3.75%	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 12 month	3.75%	3.80%	12 Months
Min Deposit $50,000 Details Special Relationship APY*: 3.90%, Special Relationship Dividend Rate: 3.85% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 15 month	3.75%	3.80%	15 Months
Min Deposit $50,000 Details Special Relationship APY*: 3.90%, Special Relationship Dividend Rate: 3.85% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 12 month	3.75%	3.80%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 15 month	3.75%	3.80%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 12 month	3.65%	3.70%	12 Months
Min Deposit $500 Min Balance $500 Details General Membership; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 15 month	3.65%	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details General Membership; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 6 month - Special Relationship	3.56%	3.60%	6 Months
Min Deposit $50,000 Details Jumbo HSA Certificates - Special Relationship Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 6 month	3.56%	3.60%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 6 month	3.46%	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 6 month	3.46%	3.50%	6 Months
Min Deposit $50,000 Details Special Relationship APY*: 3.60%, Special Relationship Dividend Rate: 3.56% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 6 month	3.46%	3.50%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 6 month	3.36%	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details General Membership; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 18 month - Special Relationship	3.17%	3.20%	18 Months
Min Deposit $50,000 Details Jumbo HSA Certificates - Special Relationship Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 18 month	3.17%	3.20%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 18 month	3.07%	3.10%	18 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 18 month	3.07%	3.10%	18 Months
Min Deposit $50,000 Details Special Relationship APY*: 3.20%, Special Relationship Dividend Rate: 3.17% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 18 month	3.07%	3.10%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 18 month	2.97%	3.00%	18 Months
Min Deposit $500 Min Balance $500 Details General Membership; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 24 month - Special Relationship	2.92%	2.95%	24 Months
Min Deposit $50,000 Details Jumbo HSA Certificates - Special Relationship Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 24 month	2.92%	2.95%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 24 month	2.82%	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 24 month	2.82%	2.85%	24 Months
Min Deposit $50,000 Details Special Relationship APY*: 2.95%, Special Relationship Dividend Rate: 2.92% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 24 month	2.82%	2.85%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 24 month	2.72%	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details General Membership; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 36 month - Special Relationship	2.68%	2.70%	36 Months
Min Deposit $50,000 Details Jumbo HSA Certificates - Special Relationship Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 36 month	2.68%	2.70%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 36 month	2.58%	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 36 month	2.58%	2.60%	36 Months
Min Deposit $50,000 Details Special Relationship APY*: 2.70%, Special Relationship Dividend Rate: 2.68% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 36 month	2.58%	2.60%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 36 month	2.48%	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details General Membership; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 48 month - Special Relationship	2.43%	2.45%	48 Months
Min Deposit $50,000 Details Jumbo HSA Certificates - Special Relationship Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 48 month	2.43%	2.45%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 48 month	2.33%	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 48 month	2.33%	2.35%	48 Months
Min Deposit $50,000 Details Special Relationship APY*: 2.45%, Special Relationship Dividend Rate: 2.43% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 48 month	2.33%	2.35%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 48 month	2.23%	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details General Membership; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 60 month - Special Relationship	2.19%	2.20%	60 Months
Min Deposit $50,000 Details Jumbo HSA Certificates - Special Relationship Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 60 month	2.19%	2.20%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 60 month	2.09%	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details Special Relationships; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo HSA Certificate - 60 month	2.09%	2.10%	60 Months
Min Deposit $50,000 Details Special Relationship APY*: 2.20%, Special Relationship Dividend Rate: 2.19% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo Share Certificates - 60 month	2.09%	2.10%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
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 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
HSA Certificate 60 month	1.99%	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details General Membership; $500-$49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.10%	0.10%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Share (Savings)	0.10%	0.10%
Min Balance $25 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Club	0.01%	0.01%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Platinum Money Market	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000 or more; Dividends Posted Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Money Market Account	2.23%	2.25%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Platinum Money Market	2.23%	2.25%
Min Balance $50,000 Details Dividends Posted Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Money Market Account	1.98%	2.00%
Min Balance $20,000 Details Balance: $20,000-$49,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Platinum Money Market	1.98%	2.00%
Min Balance $20,000 Details Balance: $20,000-$49,999; Dividends Posted Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Money Market Account	0.65%	0.65%
Min Balance $1,000 Details Balance: $1,000-$19,999 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Platinum Money Market	0.65%	0.65%
Min Balance $1,000 Details Balance: $1,000-$19,999; Dividends Posted Monthly Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Checking Rates

Product	Rate	APY
Fresh Start Checking	0.01%	0.01%
Min Deposit $25 Details Fresh Start Checking has a $5 monthly service fee. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Share Draft (Checking)	0.01%	0.01%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - Fixed Term - 60 months	-	-	4.75%	60 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Home Equity Loan - Fixed Term - 84 months	-	-	5.00%	84 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Home Equity Loan - Fixed Term - 120 months	-	-	5.50%	120 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Home Equity Loan - Fixed Term - 180 months	-	-	6.00%	180 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Home Equity Loan - Fixed Term - 240 months	-	-	6.75%	240 months
Details 80% Loan to Value; A minimum loan amount of $10,000.00 is required. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
FlexChoice Home Equity Line of Credit	-	-	7.00%
Details Line of credit rates as low as Prime; Prime is a variable rate; as it changes, the APR on your account will also change. The APR is current as of 10/01/2026. 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 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 9, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Vehicles and Demos Loan	-	-	4.60%
Details APR = Annual Percentage Rate. APR current as of 04/01/2026. Credit restrictions apply. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term, and age of vehicle. A new vehicle is a current or prior year model with 5,000 or less miles. A sample New Auto Loan monthly payment based on $30,000 at 4.69% APR for 48 months is $686.79. 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 10/09/2026 Rate History No change since Oct 9, 2026 · 4.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Used Vehicles and Demos Loan	-	-	5.20%
Details APR = Annual Percentage Rate. APR current as of 04/01/2026. Credit restrictions apply. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term, and age of vehicle. A new vehicle is a current or prior year model with 5,000 or less miles. A sample New Auto Loan monthly payment based on $30,000 at 4.69% APR for 48 months is $686.79. 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 10/09/2026 Rate History No change since Oct 9, 2026 · 5.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Motorcycles/ATVs/Campers/Boats Loan	-	6.99%
Details APR = Annual Percentage Rate. APR current as of 04/01/2026. Credit restrictions apply. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term, and age of vehicle. A new vehicle is a current or prior year model with 5,000 or less miles. A sample New Auto Loan monthly payment based on $30,000 at 4.69% APR for 48 months is $686.79. 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 10/09/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Used Motorcycles/ATVs/Campers/Boats Loan	-	7.49%
Details APR = Annual Percentage Rate. APR current as of 04/01/2026. Credit restrictions apply. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term, and age of vehicle. A new vehicle is a current or prior year model with 5,000 or less miles. A sample New Auto Loan monthly payment based on $30,000 at 4.69% APR for 48 months is $686.79. 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 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Credit Card Rates

Product	Rate	APR
MC Federal Cache Visa	-	11.99%
Details Intro/promo APR: 11.49%; Intro rate expires:; Regular APR: 11.99% - 18.00% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 11.99% → 11.99% ▼ 0.00 pts · high 11.99% / low 11.49% Oct 9, 202611.99%▲ from 11.49% Sep 21, 202611.49%▼ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Visa Platinum	-	11.99%
Details Intro/promo APR: 11.49%; Intro rate expires:; Regular APR: 11.99% - 18.00% Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 11.99% → 11.99% ▼ 0.00 pts · high 11.99% / low 11.49% Oct 9, 202611.99%▲ from 11.49% Sep 21, 202611.49%▼ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Premium Rewards Visa	-	13.49%
Details Intro rate expires:; Regular APR: 11.99% - 18.00% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Visa Signature	-	14.49%
Details Intro rate expires:; Regular APR: 11.99% - 18.00% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Architect Visa	-	18.00%
Details Intro rate expires:; Regular APR: 11.99% - 18.00% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	9.25%
Details Signature Loan rates are fixed. Signature Loans and Line of Credits are available up to $25,000. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
MC Federal Visa Signature	14.49%
Details Intro rate expires:; Regular APR: 11.99% - 18.00% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 14.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

MC Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	12.75%
Details Signature Line of Credit rates are variable and may change. Signature Loans and Line of Credits are available up to $25,000. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
IRA Variable	0.10%	-	0.10%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 12 Months	3.75%	-	3.80%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 12 Months	3.85%	-	3.90%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 15 Months	3.75%	-	3.80%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 15 Months	3.85%	-	3.90%	15 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 18 Months	3.07%	-	3.10%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 18 Months	3.17%	-	3.20%	18 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 24 Months	2.82%	-	2.85%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 24 Months	2.92%	-	2.95%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 36 Months	2.58%	-	2.60%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 36 Months	2.68%	-	2.70%	36 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 48 Months	2.33%	-	2.35%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 48 Months	2.43%	-	2.45%	48 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 6 Months	3.46%	-	3.50%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 6 Months	3.56%	-	3.60%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 60 Months	2.09%	-	2.10%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Jumbo IRA Certificates - 60 Months	2.19%	-	2.20%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Special Relationship; Traditional, Roth, and Coverdell Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 12 Months	3.65%	-	3.70%	12 Months
Min Deposit $500 Min Balance $500 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 12 Months	3.75%	-	3.80%	12 Months
Min Deposit $500 Min Balance $500 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 15 Months	3.65%	-	3.70%	15 Months
Min Deposit $500 Min Balance $500 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 15 Months	3.75%	-	3.80%	15 Months
Min Deposit $500 Min Balance $500 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 18 Months	2.97%	-	3.00%	18 Months
Min Deposit $500 Min Balance $500 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 18 Months	3.07%	-	3.10%	18 Months
Min Deposit $500 Min Balance $500 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 24 Months	2.72%	-	2.75%	24 Months
Min Deposit $500 Min Balance $500 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 24 Months	2.82%	-	2.85%	24 Months
Min Deposit $500 Min Balance $500 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 36 Months	2.48%	-	2.50%	36 Months
Min Deposit $500 Min Balance $500 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 36 Months	2.58%	-	2.60%	36 Months
Min Deposit $500 Min Balance $500 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 48 Months	2.23%	-	2.25%	48 Months
Min Deposit $500 Min Balance $500 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 48 Months	2.33%	-	2.35%	48 Months
Min Deposit $500 Min Balance $500 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 6 Months	3.36%	-	3.40%	6 Months
Min Deposit $500 Min Balance $500 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 6 Months	3.46%	-	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 60 Months	1.99%	-	2.00%	60 Months
Min Deposit $500 Min Balance $500 Details General Membership Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%
Traditional, Roth, & Coverdell 60 Months	2.09%	-	2.10%	60 Months
Min Deposit $500 Min Balance $500 Details Special Relationship Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.84%

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

Financial Health History

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

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

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

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

Methodology & Data Sources

MonitorBankRates Star Rating

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

Texas Ratio

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

Rate Data Aggregation

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

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

Credit Union Profile & Overview

Credit Union Name MC Federal Credit Union

Website https://www.mcfcu.org

Address 390 Walnut St, Danville, PA 17821-1503

Phone 570-275-6155

Fax 570-275-4176

President Douglas Bastian

CEO Elba Arenas

Full-Time Employees 44

Part-Time Employees 5

Branch Locations 6

ATM Locations 5

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.84%

Return on Assets (ROA)

0.7488%

Return on Equity (ROE)

6.0393%

Non-Performing Loans Ratio (NPL)

2.12%

Total Assets

247,164,959

Total Amount of Shares and Deposits

216,693,928

Total Shares and Deposits < 1 Year

210,620,211

Total Shares and Deposits 1 3 Years

5,051,939

Total Shares and Deposits > 3 Years

1,021,776

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

10,076,496

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

10,076,496

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

206,617,432

Total Interest Expense (Sum of items 6 8)

1,898,675

Share Certificates

1,916

Number of Accounts for Share Drafts

8,089

IRA KEOGH Accounts

535

Number of Accounts for Regular Shares

15,748

All other shares

704

Money Market Shares

574

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

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,572,608

Total Liabilities

218,383,242

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

MC Federal Credit Union earned the Verified Healthy badge

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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%
MMA2.75%

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

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MC Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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MC Federal Credit Union Home Equity & HELOC

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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