APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of May 1, 2017.

CD Rates ($1,000.00 - $49,999.99) See Details

TermInterest RateAPY*
6 Months 0.10% 0.10%
12 Months 0.20% 0.20%
24 Months 0.35% 0.35%
36 Months 0.50% 0.50%
60 Months 0.75% 0.75%

CD Rates ($50,000.00+) See Details

TermInterest RateAPY*
6 Months 0.15% 0.15%
12 Months 0.25% 0.25%
24 Months 0.40% 0.40%
36 Months 0.55% 0.55%
60 Months 0.80% 0.80%
1 Year Jumbo $100,000 or more 0.25% 0.25%

Certificate Early Withdrawal Penalty: Certificates redeemed early shall incur a penalty of 90 days dividend earnings for any certificate with 12 months or less term. Certificates with terms above 12 months will be penalized 180 days of dividend earnings. The amount of the penalty will be calculated on the amount withdrawn and will be deducted from the balance of the certificate. If the balance in the certificate falls below the minimum required for that dividend category, the certificate must be closed and a penalty will be taken on the entire balance.

Withdrawals: Penalty-free withdrawals are not permitted from certificates with the exception of the following: withdrawals made due to the death of a member; withdrawals made during the 7 day grace period after the maturity of the certificate; once posted to the certificate, monthly dividends may be withdrawn with no penalty.

"Bump" Rate Feature

Available on the 12 month term. If MountainCrest Credit Union rates go up during your term the rate may be bumped, at your request, once during the term to the current rate being offered for the remainder of the term. Rate may not be bumped to a promotional rate made available in special offers. Jumbo Certificates not eligible for Bump Rate.

Add-On Feature

Our add-on feature allows you to add funds to existing Certificates with a term of 12 months or less. Minimum add-on deposit $100.00. Total add on deposits may not exceed the original opening balance. The rate will remain the same until maturity, regardless of add-on deposits. Jumbo Certificates not eligible for add-on.

Savings Rates See Details

AccountAmountInterest RateAPY
Savings Account 0.05% 0.05%
IRAs* 0.20% 0.20%
Cash Management $2,500.00 - $49,999.99 0.075% 0.08%
Cash Management $50,000.00+ 0.10% 0.10%
Holiday Club 0.05% 0.05%
PAWS Club  0.05% 0.05%
Teen Savings 0.05% 0.05%

*$15 annual fee may reduce earnings

Loan Rates

Loan TypeAPR RangeTerms and Other InformationEstimated Monthly
Payment Examples 
New Auto 2.89% to 17.00% 2014 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail. $340.49 a month based on a 5 year, $19,000 loan at 2.89% APR      
Used Auto 2.99% to 17.50% 2013 and older. Up to 72-month term available. Loan to value based on NADA retail. $179.64 a month based on a 5 year, $10,000 loan at 2.99% APR
Boats and RV’s / New and Used 3.99% to 7.00% Up to 240-month term available. $303.69 a month based on a 10 year, $30,000 loan at 3.99% APR
New and Used Motorcycle 3.75% to 17.75% Up to 84-month term available. Models older than 7 years are not normally financed, though consideration may be made for qualified applicants. $183.04 a month based on a 5 year, $10,000 loan at 3.75% APR
New and Used Snowmobile, ATV, and Jet Ski 3.75% to 17.75% Up to 72-month term available. Models older than 7 years are not normally financed, though consideration may be made for qualified applicants. $183.04 a month based on a 5 year, $10,000 loan at 3.75% APR
No-Cost Home Refinance 3.25% to 4.50% Up to 70% loan to value. 7, 10, 12 and 15 year terms. $421.60 a month based on a 15 year, $60,000 loan at 3.25% APR
Home Equity Line of Credit (HELOC)

4.25% to 8.00%
variable rate

*Up to 100% loan to value, 5 year draw with up to 20-year term.
Home Equity Fixed Rate Loan 4.00% to 8.00% Up to 100% loan to value. $369.84 a month based on a 15 year, $50,000 loan at 4.00% APR
Home Improvement Loan 7.75% to 10.75% Up to 133% loan to value. $235.32 a month based on a 15 year, $25,000 loan at 7.75% APR
Variable Share Secured

Share rate plus 3%
variable rate

Up to 120-month term available. Current share rate plus 3%.
Variable CD Secured CD rate plus 3% Up to 120-month term available. Current CD rate plus 3%.
Personal Line of Credit 

8.99% to 17.99%
variable rate

*See Disclosure Below
Signature Loan 8.99% to 17.99% Up to a 72-month term. $158.98 a month based on a 3 year, $5,000 loan at 8.99% APR
Visa Credit Card 9.50% to 18.00% The APR will vary with the market based on the Prime Rate.

Actual loan rate and terms will be based upon applicant's creditworthiness, LTV, age of collateral and repayment period. Loans are subject to MountainCrest Credit Union credit approval and other underwriting criteria.

The Credit Union reserves the rights to change the posted rates to reflect market conditions and other factors. Rates subject to change without notice. 

*Home Equity Line of Credit (HELOC): Maximum APR is 18%. No closing cost except if appraisal is needed.

*Personal Line of Credit: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of 4.99-13.99%. An increase can take effect on the first day of December, March, June, and September. The Annual Percentage Rate will never be more than 18%. Any increase will lengthen the time it takes to pay off your loan.