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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of  April 1, 2021

CD Rates ($1,000.00 - $49,999.99) Learn More

Term Interest Rate APY*
6 Months 0.15% 0.15%
12 Months 0.20% 0.20%
24 Months 0.25% 0.25%
36 Months 0.30% 0.30%
60 Months 0.40% 0.40%

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 The amount of the penalty will be calculated on the amount withdrawn and will be deducted from the balance of the certificate. The penalty may be deducted from the principal amount of the deposit. 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the 7 day grace period after the maturity of the certificate; once posted to the certificate, monthly dividends may be withdrawn with no penalty. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings.

CD Rates ($50,000.00+) Learn More

Term Interest Rate APY*
6 Months 0.20% 0.20%
12 Months 0.25% 0.25%
24 Months 0.30% 0.30%
36 Months 0.35% 0.35%
60 Months 0.45% 0.45%
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 The amount of the penalty will be calculated on the amount withdrawn and will be deducted from the balance of the certificate. The penalty may be deducted from the principal amount of the deposit. 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. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity; a withdrawal will reduce earnings.

"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 Learn More

Account Amount Interest Rate APY
Savings Account n/a 0.05% 0.05%
IRAs* n/a 0.10% 0.10%
Cash Management $2,500.00 - $49,999.99 0.10% 0.10%
Cash Management $50,000.00+ 0.15% 0.15%
Holiday Club n/a 0.05% 0.05%
PAWS Club  n/a 0.05% 0.05%
Teen Savings n/a 0.05% 0.05%
Kasasa Saver** $0 - $10,000 0.49% 0.50%
Kasasa Saver** $10,000+ 0.49% - 0.23% 0.50% - 0.27%

*$15 annual fee may reduce earnings

**Kasasa Saver must be linked to a Kasasa Cash® or Kasasa Cash Back® account. Qualifying for Kasasa Cash® or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate. To earn your rewards, simply do the following activities and transactions in your Kasasa® checking account each monthly qualification cycle: 

  • At least 12 debit card purchases, each greater than $3.99
  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • Be enrolled to receive e-statements

If you miss a qualification cycle, both accounts are still free and earn your base interest rate of 0.05%. 

Checking Rates Learn More

Account Amount Interest Rate APY
Kasasa Cash $0 - $10,000 1.98% 2.00%
Kasasa Cash $10,000+ 1.98% - 0.24% 2.00% - 0.41%

 

Kasasa CashQualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.
"Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.
See our website www.mountaincrestcu.com for specific Monthly Qualification Cycle dates.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 1.981% resulting in an APY of 2.00%; and daily balances over $10,000 earn a dividend rate of 0.249% on the portion of the daily balance over $10,000, resulting in a range from 2.00% to 0.41% APY depending on the account's daily balance.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.049% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 10/01/20.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$25.00 minimum deposit is required to open the account.
There are no recurring monthly maintenance charges or fees to open or close this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA. Your Savings Insured To $250,000 per account ownership.

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Loan Rates

Loan Type APR Range Terms and Other Information Estimated Monthly
Payment Examples 
New Auto 2.74% to 16.99% 2019 and newer. Up to 84-month term available. Loan to value based on MSRP or NADA retail. $339.21 a month based on a 5 year, $19,000 loan at 2.74% APR 
Used Auto 2.99% to 17.49% 2018 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 4.49% to 6.99% Up to 180-month term available. $310.77 a month based on a 10 year, $30,000 loan at 4.49% APR
New and Used Motorcycle 4.74% to 18.00% Up to 84-month term available. Models older than 7 years are not normally financed, though consideration may be made for qualified applicants. $187.52 a month based on a 5 year, $10,000 loan at 4.74% APR
New and Used Snowmobile, ATV, and Jet Ski 4.74% to 18.00% Up to 72-month term available. Models older than 7 years are not normally financed, though consideration may be made for qualified applicants. $187.52 a month based on a 5 year, $10,000 loan at 4.74% APR
No-Cost Home Refinance 3.24% to 4.49% Up to 70% loan to value. 7, 10, 12 and 15 year terms. $421.31 a month based on a 15 year, $60,000 loan at 3.24% APR
Home Equity Line of Credit (HELOC)

3.75% to 7.25%
variable rate

*Up to 100% loan to value, 5 year draw with up to 20-year term. n/a
Home Equity Fixed Rate Loan 4.99% to 8.24% Up to 100% loan to value. $395.14 a month based on a 15 year, $50,000 loan at 4.99% 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%. n/a
Variable CD Secured CD rate plus 3% Up to 120-month term available. Current CD rate plus 3%. n/a
Personal Line of Credit 

8.24% to 17.24%
variable rate

*See Disclosure Below n/a 
Signature Loan 9.24% to 17.49% Up to a 72-month term. $159.56 a month based on a 3 year, $5,000 loan at 9.24% APR
Visa Credit Card 8.75% to 18.00% The APR will vary with the market based on the Prime Rate. n/a

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.