Rates & Fees

Select the tab below to see the corresponding rate:

Consumer Loans
Mortgage Loans
Savings, Checking, IRAs & HSAs
Certificates
Fee Schedule

Rates current as of January 12, 2024.

I'd Like More Information Apply Now

 

All Collateral (All Years) – Rates As Low As:

Terms Up To Annual Percentage Rate1 Monthly Payment2
30 months 6.24% $36.09
72 months 6.74% $16.93
84 months 7.49% $15.33

Unsecured – Rates As Low As:

  Term Up To Annual Percentage Rate1 Monthly Payment2
Unsecured 48 months 11.24% $25.97
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 6.49% Monthly interest payments based on the amount outstanding
60 months 6.49% $19.56
120 months 6.99% $11.61
180 months 7.49% $9.27

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 January 16, 2024

I'd Like More Information

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 6.750% 6.756%3 1-119
120
$1,148.42
$1,146.92
144 months 6.750% 6.756%3 1-143
144
$1,015.29
$1,013.31
180 months 7.000% 7.006%3 1-179
180
$899.04
$898.49
240 months 7.750% 7.758%3 1-239
240
$821.37
$815.91
360 months Call 715-387-8686 for Current Rates
5.5 YEAR BALLOON Up to 180 Months
Amortizing
7.000% 7.005%3 1-65
66
$899.04
$75,583.59
Up to 240 Months
Amortizing
7.000% 7.005%3 1-65
66
$775.54
$85,367.94
Up to 360 Months
Amortizing
7.000% 7.005%3 1-65
66
$665.58
$94,079.58
7 YEAR BALLOON Up to 180 Months
Amortizing
7.250% 7.257%3 1-83
84
$913.09
$67,273.73
Up to 240 Months
Amortizing
7.250% 7.257%3 1-83
84
$790.63
$80,504.39
Up to 360 Months
Amortizing
7.250% 7.257%3 1-83
84
$682.47
$92,190.11
CONSTRUCTION 12 months 7.500% 7.513%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 7.750% 7.755% 1-65
66
$716.74
$94,918.75
7 Year Balloon Amortized up to 360 Months 8.000% 8.008% 1-83
84
$734.10
$93,223.68
120 Months Fixed Rate 7.625% 7.631% 1-119
120
$1,193.75
$1,192.56
144 Months Fixed Rate 7.625% 7.631% 1-143
144
$1,062.20
$1,061.90
180 Months Fixed Rate 7.750% 7.756% 1-179
180
$941.52
$940.89
240 Months Fixed Rate 8.500% 8.509% 1-239
240
$868.28
$862.24

SECOND MORTGAGES / VACANT LAND OR LOTS

Type Term Up To Rate Annual Percentage Rate3 Payment Number Monthly Payment3
FIXED RATE 120 Months 8.625% 8.632%3 1-119
120
$1,246.78
$1,246.67
180 Months 8.750% 8.757%3 1-179
180
$999.74
$998.13
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 January 16, 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 January 16, 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 January 16, 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 January 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 5.00% $500,000.00/$1,000.00
– 4th Tier Monthly 4.00% $125,000.00/$1,000.00
– 3rd Tier Monthly 0.07% $75,000.00/$1,000.00
– 2nd Tier Monthly 0.05% $25,000.00/$1,000.00
– 1st Tier Monthly 0.03% $1,000.00/$1,000.00
Kids Reward Club      
– 2nd Tier Monthly 0.02% $2,500.00/$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 2.00% $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 0.10% $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 August 10, 2023.
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 4.42% Quarterly No $500.00
24 Months 0.25% Quarterly Yes $500.00
36 Months 3.96% Quarterly Yes $500.00
45 Months 3.70% 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

SHARE DRAFT ACCOUNT FEES:

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

CHECKLINK FEES:

Debit Card Replacement $10.00 per card
Debit Card Special Shipping Fee $30.00

OTHER FEES:

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.

Effective August 1, 2021

Request Additional Information

Please install and activate the "Contact form 7" plugin to show the contact form.

Interested in becoming a member? Learn more here.

Follow Us