Rates & Fees

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

Rates current as of August 30, 2021.

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All Collateral – Rates As Low As:

2016 & Newer Terms Up To Annual Percentage Rate1 Monthly Payment2
30 months 2.49% $34.42
72 months 2.49% $14.97
84 months 3.99% $13.67

All Collateral – Rates As Low As:

2015 & Older Term Up To Annual Percentage Rate1 Monthly Payment2
30 months 3.49% $34.86
66 months 3.49% $16.68

Unsecured – Rates As Low As:

  Term Up To Annual Percentage Rate1 Monthly Payment2
Unsecured 48 months 8.74% $24.77
Kwik Cash Line of Credit Not Applicable Variable 3% of balance

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 August 10, 2020

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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 2.750% 2.754%3 1-119
120
$954.18
$952.91
144 months 2.750% 2.754%3 1-143
144
$816.17
$816.11
180 months 2.875% 2.878%3 1-179
180
$684.67
$683.72
240 months 3.125% 3.128%3 1-239
240
$560.98
$558.65
360 months Call 715-387-8686 for Current Rates
5.5 YEAR BALLOON Up to 180 Months
Amortizing
2.750% 2.756%3 1-65
66
$678.69
$68,702.29
Up to 240 Months
Amortizing
2.750% 2.756%3 1-65
66
$542.24
$78,277.65
Up to 360 Months
Amortizing
2.750% 2.756%3 1-65
66
$408.33
$87,674.89
7 YEAR BALLOON Up to 180 Months
Amortizing
3.000% 3.004%3 1-83
84
$690.66
$59,565.72
Up to 240 Months
Amortizing
3.000% 3.003%3 1-83
84
$554.69
$72,121.83
Up to 360 Months
Amortizing
3.000% 3.003%3 1-83
84
$421.70
$84,402.76
CONSTRUCTION 12 months 2.875% 2.881%4   Monthly interest payments based
on the amount outstanding

SECOND MORTGAGES

Type Term Up To Rate Annual Percentage Rate3 Payment Number Monthly Payment3
FIXED RATE 120 months 3.875% 3.879%3 1-119
120
$1,006.61
$1,006.58
5.5 YEAR BALLOON Up to 180 Months
Amortizing
3.500% 3.506%3 1-65
66
$714.98
$69,973.96
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 and 20% down payment. Rates effective as of August 10, 2020 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 and 20% down payment. Rates effective as of August 10, 2020 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%.

Rates current as of July 1, 2021.

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  Dividend Period APY6 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      
– 1st Tier Monthly 0.10% $125,000.00/$1,000.00
– 2nd Tier Monthly 0.07% $75,000.00/$1,000.00
– 3rd Tier Monthly 0.05% $25,000.00/$1,000.00
– 4th Tier Monthly 0.03% $1,000.00/$1,000.00
Kasasa Saver® Savings7      
– 1st Tier Monthly Qualifying Cycle8 0.15% $7,500.00/$30.00
– 2nd Tier Monthly Qualifying Cycle8 0.50% $0.00/$30.00
– Non-Qualifying Rate Monthly Qualifying Cycle8 0.03% $0.00/$30.00
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 0.11% $5.00/$5.00
IRA Savings Quarterly 0.30% $50.00/$5.00
Coverdell ESA Quarterly 0.30% $50.00/$5.00
Checking      
– 1st Tier Monthly 0.01% $5,000.00/$20.00
– 2nd Tier Monthly 0.01% $1,000.00/$20.00
– 3rd Tier Monthly 0.01% $300.00/$20.00
Kasasa Cash® Checking7      
– 1st Tier Monthly Qualifying Cycle8 0.15% $7,500.00/$30.00
– 2nd Tier Monthly Qualifying Cycle8 2.00% $0.00/$30.00
– Non-Qualifying Rate Monthly Qualifying Cycle8 0.03% $0.00/$30.00
Health Savings Account (HSA)      
– 1st Tier Monthly 0.60% $25,001.00/$0.00
– 2nd Tier Monthly 0.50% $10,001.00/$0.00
– 3rd Tier Monthly 0.40% $2,001.00/$0.00
– 4th 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 June 24, 2021.
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Term APY8 Dividend Paid Minimum to Earn APY & Minimum to Open
3 Months 0.15% Maturity $1,000.00
3 Months 0.15% Maturity $10,000.00
6 Months 0.15% Monthly $1,000.00
6 Months 0.15% Monthly $10,000.00
9 Months **SPECIAL** 0.25% Monthly $10,000.00
11 Months **SPECIAL** 0.25% Monthly $10,000.00
12 Months 0.20% Quarterly $500.00
18 Months 0.20% Quarterly $500.00
24 Months 0.25% Quarterly $500.00
36 Months 0.30% Quarterly $500.00
48 Months 0.35% Quarterly $500.00
60 Months 0.40% Quarterly $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:

Business Checking $5.00 per month
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
Bill Pay (after 2 months inactivity) $4.95 per month

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
IRA Early Close Fee $6.00
HSA Set-Up Fee $15.00
HSA Manual Withdrawal Fee $5.00
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

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