MCU ONLINE LOGIN


Forgot Username | Forgot Password New User Registration

Home > Rates

Rates


Savings Accounts

Rates effective as of November 17, 2023. 
Min Balance to Earn APY
Dividend Rate
APY*
Opening Deposit
Primary Shares (1)
$200.00 - $19,999.99
0.03%
0.03%
$5.00
$20,000.00 - $49,999.99
0.05%
0.05%
$50,000 and up
0.07%
0.07%
Young Investors ***
$200.00 - $19,999.99
0.03%
0.03%
$5.00
$20,000.00 - $49,999.99
0.05%
0.05%
$50,000 and up
0.07%
0.07%
Vacation and Christmas Club
$200.00 - $19,999.99
0.03%
0.03%
$5.00
$20,000.00 - $49,999.99
0.05%
0.05%
$50,000 and up
0.07%
0.07%

Checking Accounts

Min Balance to Earn APY
Dividend Rate
APY*
Opening Deposit
Premier Checking
$500.00 - $19,999.99
0.02%
0.02%
$5.00
$20,000.00 - $49,999.99
0.02%
0.02%
$50,000 and up
0.02%
0.02%
Premier Plus Checking
$500.00 - $19,999.99
0.02%
0.02%
$5.00
$20,000.00 - $49,999.99
0.02%
0.02%
$50,000 and up
0.02%
0.02%
Money Market Checking
$2,500.00 - $19,999.99
0.15%
0.15%
$5,000.00
$20,000.00 - $49,999.99
0.20%
0.20%
$50,000 and up
0.25%
0.25%

Investment Accounts

Min Balance to Earn APY
Dividend Rate
APY*
Opening Deposit
IRA 1
$200.00 - $19,999.99
0.20%
0.20%
$100.00
$20,000.00 - $49,999.99
0.30%
0.30%
$50,000 and up
0.40%
0.40%
Share Certificate of Deposit (Including IRA Certificates)2
6 Month
3.94%
4.00%
$1,000.00
12 Month
4.43%
4.50%
$1,000.00
13 Month Special**  

(IRA Not Included)

5.39%
5.50%
$1,000.00
18 Month
3.94%
4.00%
$1,000.00

24 Month

    3.70%

  3.75%

  $1,000

36 Month
3.45%
3.50%
$1,000.00
60 Month
2.48%
2.50%
$1,000.00
Jumbo Certificate of Deposit (Including IRA Certificates)2
6 Month Jumbo
3.52%
3.57%
$50,000.00
12 Month Jumbo
4.25%
4.32%
$50,000.00
18 Month Jumbo
4.01%
4.07%
$50,000.00
24 Month Jumbo
3.77%
3.82%
$50,000.00
36 Month Jumbo
3.52%
3.57%
$50,000.00
60 Month Jumbo
2.55%
2.57%
$50,000.00

* APY= Annual Percentage Yield
¹ Dividends are earned on the average daily balance and paid quarterly.
² APY assumes dividends remain in the account until maturity. If you close any share account before dividends are paid, you will not receive the accrued dividends for that period. A penalty will be imposed for early withdrawal regarding certificates.

Rates are subject to change without notice. APY assumes dividends remain in the account until maturity. If you close any share account before dividends are paid, you will not receive the accrued dividends for that period. A penalty will be imposed for early withdrawal regarding certificates. Additional fees may or may not be applicable, however if they are applicable, they could reduce earnings on the account. Rates effective November 17, 2023.

**Promotional rates subject to availability and may be canceled at any time without notice.

*** Young & Teen Investor accounts earn dividends on balances of $5.00 or more.
Please see a Credit Union employee for more information. Application of credit union fees may reduce earnings.

Go to top

Follow US

Facebook Instagram Twitter
Open Account
Apply For Loan

About

Menu
  • Become a Member
  • Open An Account
  • Apply For A Loan
  • Contact Us
  • Who Can Join
  • MCU ATM Locations
  • Free ATM Locations

SERVICES

Menu
  • Apply For A Loan
  • Open An Account
  • MCU Mobile App
  • Transfer Money
  • Remote Deposit Capture
  • Bill Pay

Products

Menu
  • Apply For A Loan
  • Loan Rates
  • Fraud Prevention
  • Protect My Identity
  • Disclosures

Routing No. 313084124

7789 Southwest Freeway, Suite 175
Houston, TX 77074
Tel:713-778-6300

  • Privacy Policy
  • USA Patriot Act
  • Website Accessibility
  • Complaint Notice
  • Disclosures

*APR = The Annual Percentage Rates are subject to change without notice. Credit criteria and restrictions apply.

Copyright © 2025 Memorial Credit Union