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Rates current as of October 1, 2024.
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All Collateral (All Years) – Rates As Low As:
| Terms Up To | Annual Percentage Rate1 | Monthly Payment2 |
| 48 months | 5.74% | $23.36 |
| 72 months | 6.24% | $16.69 |
| 84 months | 6.99% | $15.09 |
Unsecured – Rates As Low As:
| Term Up To | Annual Percentage Rate1 | Monthly Payment2 | |
| Unsecured | 48 months | 9.74% | $25.23 |
| Kwik Cash Line of Credit | Not Applicable | Variable | 3% of balance |
Solar Loans – Rates As Low As:
| Terms Up To | Annual Percentage Rate1 | Monthly Payment2 |
| Installation-Up to 18 Months | 6.24% | Monthly interest payments based on the amount outstanding |
| 60 months | 6.24% | $19.44 |
| 120 months | 6.74% | $11.48 |
| 180 months | 7.24% | $9.12 |
1Annual Percentage Rate (lowest rate offered with qualifying member relationship)
2per $1,000 borrowed
Other notes: Above rates apply to new loans only. Rates may be blended for mixed collateral loans. Maximum terms are at CU discretion. Rates shown include 0.25% reduction for qualifying member relationship, which includes active checking account (posted transaction within last 6 months) and direct deposit, length of membership with MMCCU of 5 or more years, an outstanding mortgage loan balance, or an open HELOC. Please call 715-387-8686 for more details. Other rates, terms and programs are available. All loans are subject to credit approval. Down payment requirements may apply. Any minimum, fixed, transaction, activity or similar charge may be imposed as provided under the Wisconsin Consumer Act. Membership eligibility required.
Rates current as of September 9, 2024
Mortgage & Home Equity Loan Rates As Low As:
FIRST MORTGAGES
| Type | Term Up To | Rate | Annual Percentage Rate3 | Payment Number | Monthly Payment3 |
| FIXED RATE | 120 months | 5.875% | 5.879%3 | 1-119 120 |
$1,104.00 $1,103.24 |
| 144 months | 5.875% | 5.879%3 | 1-143 144 |
$969.48 $967.63 |
|
| 180 months | 6.125% | 6.129%3 | 1-179 180 |
$850.74 $849.19 |
|
| 240 months | 6.875% | 6.879%3 | 1-239 240 |
$767.99 $763.24 |
|
| 360 months | Call 715-387-8686 for Current Rates | ||||
| 5.5 YEAR BALLOON | Up to 180 Months Amortizing |
6.125% | 6.127%3 | 1-65 66 |
$850.74 $74,215.67 |
| Up to 240 Months Amortizing |
6.125% | 6.127%3 | 1-65 66 |
$723.81 $84,019.43 |
|
| Up to 360 Months Amortizing |
6.125% | 6.126%3 | 1-65 66 |
$607.80 $92,979.79 |
|
| 7 YEAR BALLOON | Up to 180 Months Amortizing |
6.375% | 6.379%3 | 1-83 84 |
$864.37 $65,723.47 |
| Up to 240 Months Amortizing |
6.375% | 6.379%3 | 1-83 84 |
$738.39 $78,893.77 |
|
| Up to 360 Months Amortizing |
6.375% | 6.379%3 | 1-83 84 |
$624.07 $90,845.10 |
|
| CONSTRUCTION | 12 months | 6.625% | 6.637%4 | Monthly interest payments based on the amount outstanding |
|
FIRST-TIME HOME BUYER PROGRAM6
| Term Up To | Rate | Annual Percentage Rate3 | Payment Number | Monthly Payment3 |
| 5.5 Year Balloon Amortized up to 360 Months | 6.875% | 6.876% | 1-65 66 |
$657.15 $93,914.58 |
| 7 Year Balloon Amortized up to 360 Months | 7.125% | 7.129% | 1-83 84 |
$673.95 $91,990.39 |
| 120 Months Fixed Rate | 6.750% | 6.754% | 1-119 120 |
$1,148.31 $1,146.89 |
| 144 Months Fixed Rate | 6.750% | 6.754% | 1-143 144 |
$1,015.19 $1,014.56 |
| 180 Months Fixed Rate | 6.875% | 6.879% | 1-179 180 |
$891.99 $889.75 |
| 240 Months Fixed Rate | 7.625% | 7.629% | 1-239 240 |
$813.43 $809.07 |
SECOND MORTGAGES / VACANT LAND OR LOTS
| Type | Term Up To | Rate | Annual Percentage Rate3 | Payment Number | Monthly Payment3 |
| FIXED RATE | 120 Months | 7.750% | 7.754%3 | 1-119 120 |
$1,200.19 $1,198.49 |
| 180 Months | 7.875% | 7.879%3 | 1-179 180 |
$948.59 $945.77 |
|
| HOME EQUITY LINE OF CREDIT | Not Applicable | Variable (Prime) subject to change |
Variable (Prime) | 2% of outstanding balance at prior month end per $1,000 borrowed during draw period5 |
3Rates and monthly payments based on a $100,000 loan amount for purchase of a single-family residence, 20% down payment, and a credit score of 740. Rates effective as of September 9, 2024, and are subject to change. Individual rates may vary based on Loan-to-Value (LTV), term of loan, and subject to credit approval. Payments do not include amounts for taxes or property insurance premiums, and the actual payment obligation will be higher. Membership eligibility required.
4Rates are based on a $200,000 loan amount for the construction phase of a single-family residence, 20% down payment, and a credit score of 740. Rates effective as of September 9, 2024, and are subject to change. Individual rates may vary based on Loan-to-Value (LTV), term of loan, and subject to credit approval. Interest payments do not include amounts for taxes or property insurance premiums. Membership eligibility required.
5Monthly minimum periodic payments made during the draw period may not fully amortize the remaining balance of the line of credit at the maturity date. Any outstanding balances due at the end of the draw period will require a monthly principal and interest payment that will continue until the HELOC account balance is paid in full. Closing costs range from $400 – $900. If an appraisal is required, the cost typically ranges from $300 – $450. Property insurance is required. The maximum annual percentage rate that can apply is 18%.
6First-time program available to members with minimium 3.5% down payment, plus closing costs, based on lesser of purchase price or appraised value. Borrowers with no previous home ownership are eligible. Rate is only available for purchases. Rates are based on a $100,000 loan amount for purchase of a single-family residence, 3.5% down payment, and a credit score of 740. Rates effective as of September 9, 2024, and are subject to change. Second home, vacation homes, and investment properties are not eligible. Interest payments do not include amounts for taxes or property insurance premiums. Membership eligibility required.
Rates current as of November 1, 2024.
I'd Like More Information| Dividend Period | APY8 | Minimum to Earn APY/Minimum to Open Account |
|
| Regular Savings | Quarterly | 0.02% | $50.00/$5.00 |
| Open Savings | Quarterly | 0.02% | $50.00/$5.00 |
| Investor Savings | |||
| – 5th Tier | Monthly | 3.75% | $500,000.00/$1,000.00 |
| – 4th Tier | Monthly | 3.25% | $125,000.00/$1,000.00 |
| – 3rd Tier | Monthly | 2.75% | $75,000.00/$1,000.00 |
| – 2nd Tier | Monthly | 2.25% | $25,000.00/$1,000.00 |
| – 1st Tier | Monthly | 1.50% | $1,000.00/$1,000.00 |
| Kids Reward Club | |||
| – 2nd Tier | Monthly | 0.02% | $5,000.00/$5.00 |
| – 1st Tier | Monthly | 4.50% | $0.00/$5.00 |
| Kasasa Saver® Savings6 | |||
| – 2nd Tier | Monthly Qualifying Cycle7 | 0.15% | $20,000.00/$5.00 |
| – 1st Tier | Monthly Qualifying Cycle7 | 5.00% | $0.00/$5.00 |
| – Non-Qualifying Rate | Monthly Qualifying Cycle7 | 0.03% | $0.00/$5.00 |
| Education Fund | Quarterly | 0.40% | $50.00/$5.00 |
| Saver’s Sweepstakes® | Quarterly | 1.00% | $50.00/$5.00 |
| Holiday Club | Oct 1 – Sept 30 | 0.10% | $50.00/$5.00 |
| Real Estate Escrow | Quarterly | 0.18% | $5.00/$5.00 |
| IRA Savings | Quarterly | 0.30% | $50.00/$5.00 |
| Coverdell ESA | Quarterly | 0.30% | $50.00/$5.00 |
| Checking | |||
| – 3rd Tier | Monthly | 0.01% | $5,000.00/$30.00 |
| – 2nd Tier | Monthly | 0.01% | $1,000.00/$30.00 |
| – 1st Tier | Monthly | 0.01% | $300.00/$30.00 |
| Kasasa Cash® Checking6 | |||
| – 2nd Tier | Monthly Qualifying Cycle7 | 0.15% | $10,000.00/$30.00 |
| – 1st Tier | Monthly Qualifying Cycle7 | 4.00% | $0.00/$30.00 |
| – Non-Qualifying Rate | Monthly Qualifying Cycle7 | 0.03% | $0.00/$30.00 |
| Health Savings Account (HSA) | |||
| – 4th Tier | Monthly | 0.60% | $25,001.00/$0.00 |
| – 3rd Tier | Monthly | 0.50% | $10,001.00/$0.00 |
| – 2nd Tier | Monthly | 0.40% | $2,001.00/$0.00 |
| – 1st Tier | Monthly | 0.30% | $50.01/$0.00 |
6Rate based on whether qualifications for each product are met based on the program requirements. See the Kasasa Cash® and Kasasa Saver® webpage for more information.
7Monthly Qualifying Cycle means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.
8The Annual Percentage Yield (APY) may change every dividend period. We may change the dividend rate for your account as determined by the credit union Board of Directors. Fees may reduce earnings. Penalties may be imposed for early withdrawal on some accounts (Holiday Club and IRA Savings). Please request complete disclosures for detailed information. Contact the credit union directly to verify current rates.
Rates current as of October 1, 2024.
I'd Like More Information
| Term | APY8 | Dividend Paid | IRA Eligible | Minimum to Earn APY & Minimum to Open |
| 3 Months | 0.15% | Maturity | No | $1,000.00 |
| 3 Months | 0.15% | Maturity | No | $10,000.00 |
| 6 Months | 0.15% | Monthly | No | $1,000.00 |
| 6 Months | 0.15% | Monthly | No | $10,000.00 |
| 9 Months | 0.20% | Monthly | No | $10,000.00 |
| 11 Months | 0.20% | Monthly | No | $10,000.00 |
| 12 Months | 0.20% | Quarterly | Yes | $500.00 |
| 18 Months | 0.20% | Quarterly | No | $500.00 |
| 24 Months | 0.25% | Quarterly | Yes | $500.00 |
| 36 Months | 0.25% | Quarterly | Yes | $500.00 |
| 45 Months | 0.30% | Quarterly | No | $500.00 |
| 48 Months | 0.35% | Quarterly | Yes | $500.00 |
| 60 Months |
0.40% | Quarterly | Yes | $500.00 |
8Annual Percentage Yield–Penalties imposed for early withdrawal of certificate deposits and will reduce APY.
| NSF Item Fee | $25.00 per item |
| Non-Return Item Fee | $25.00 per item |
| Deposited Item – Return Fee | $25.00 per item |
| USPS Return Mail Fee | $5.00 per item |
| Dormant Accounts Fee9 | $10.00 per quarter |
| History/Duplicate Statement Fee | $3.00 per statement |
| Outgoing Wire Transfer | $20.00 per transfer |
| Outgoing Foreign Wire Transfer (Restrictions Apply-Call for Details) | $90.00 to $150.00 per transfer |
| Incoming Wire Transfer | $10.00 per transfer |
| Foreign Item Processing Fee | $25.00 per item |
| Tax Levy Presentments | $50.00 per levy |
| Courtesy Pay Fee | $20.00 per item |
| Stop Payment Order/Per Item | $25.00 |
| Stop Payment Order/Per Book | $50.00 |
| Draft Photocopy | $3.00 per copy |
| Account Reconciliation | $25.00 per hour |
| Counter Checks | 0.25¢ per check |
| Debit Card Replacement | $10.00 per card |
| Debit Card Special Shipping Fee | $30.00 |
| Cashier’s Checks to Third Party | $5.00 per check |
| Member Photocopies | 20¢ per page |
| HSA Set-Up Fee | $15.00 |
| HSA Corrected IRS Filing Fee | $10.00 |
| Holiday Club Early Withdrawal Fee | $10.00 per withdrawal |
| Safe Deposit Box Fees (Annual) | $20.00 -small |
| $30.00 -medium | |
| $50.00 -large | |
| VISA Gift Card ($10.00 to $1,000.00) | $3.50 each |
| VISA Travel Money Cards | $10.00 each |
| Additional VISA Travel Money Cards | $10.00 each |
| VISA Travel Money Cash Add Fee | $5.00 |
| International Currency Exchange Rates Applicable | Varies – see disclosure |
| Duplicate Lien Release | $10.00 |
| Foreign Currency | $15.00 (+ exchange rate) |
| Investor Savings (balances below $1,000) | $10.00 per month |
9Dormant accounts fee applies only for savings/checking accounts with balances under $100.00 AND if member has no other active accounts (loans, savings, certificates) AND there has been no transaction activity for 12 months.
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