Deposit Rates
Checking Accounts
Effective Date: Tuesday, December 18, 2018
| Type | Dividend Rate | Annual Percentage Yield | |
|---|---|---|---|
| Coast Checking | 0.0% | 0.0% | How To Open |
| Free4ME Account | 0.0% | 0.0% | How To Open |
| Compass Checking | 0.0% | 0.0% | How To Open |
| Thrive Debit | 0.0% | 0.0% | How To Open |
| Impact Business Checking | 0.0% | 0.0% | How To Open |
Rates are subject to change without notice.
Savings & Money Market Accounts
Effective Date: Tuesday, December 18, 2018
| Title | Dividend Rate | Annual Percentage Yield | |
|---|---|---|---|
| Member Savings | 0.15% | 0.15% | How To Open |
| Special Purpose Savings | 0.15% | 0.15% | How To Open |
| Sprout Savings | 0.15% | 0.15% | How To Open |
| Youth Special Purpose Savings | 0.15% | 0.15% | How To Open |
| Thrive Savings | 0.15% | 0.15% | How To Open |
| Peak Money Market | How To Open | ||
| $2,500.00 - $25,000.00 | 0.30% | 0.30% | |
| $25,000.01 - $50,000.00 | 0.45% | 0.45% | |
| $50,000.01 - $100,000.00 | 0.60% | 0.60% | |
| $100,000.01 + | 0.80% | 0.80% | |
| Health Savings Account | 0.15% | 0.15% | How To Open |
| Coverdell Education Savings Accounts | How To Open | ||
| $0.00 - $10,000.00 | 0.35% | 0.35% | |
| $10,000.01 + | 0.45% | 0.45% | |
| Impact Business Savings | 0.15% | 0.15% | How To Open |
Rates are subject to change without notice.
Certificates of Deposit & Individual Retirement Accounts
Effective Date: Tuesday, December 18, 2018
| Title | Dividend Rate | Annual Percentage Yield | |
|---|---|---|---|
| Traditional and Roth Individual Retirement Accounts | How To Open | ||
| $0.00 - $10,000.00 | 0.45% | 0.45% | |
| $10,000.01 + | 0.55% | 0.55% | |
| Share Certificates | How To Open | ||
| Fall Special: 22 Months with Active Checking* and New Money** | 2.50% | 2.50% | |
| Fall Special: 22 Months with Active Checking* or New Money** | 2.25% | 2.25% | |
| Fall Special: 22 Months without Active Checking* or New Money** | 2.01% | 2.01% | |
| 6 Months | 0.85% | 0.85% | |
| 1 Year | 1.10% | 1.11% | |
| 18 Months | 1.20% | 1.21% | |
| 2 Year | 1.45% | 1.46% | |
| 3 Year | 1.60% | 1.61% | |
| 4 Year | 1.84% | 1.86% | |
| 5 Year | 2.15% | 2.17% | |
| IRA Certificates | How To Open | ||
| Fall Special Traditional IRA Only: 22 Months with Active Checking* and New Money** | 2.50% | 2.50% | |
| Fall Special Traditional IRA Only: 22 Months with Active Checking* or New Money** | 2.25% | 2.25% | |
| Fall Special Traditional IRA Only: 22 Months without Active Checking* or New Money** | 2.01% | 2.01% | |
| 6 Months | 0.85% | 0.85% | |
| 1 Year | 1.10% | 1.11% | |
| 18 Months | 1.20% | 1.21% | |
| 2 Year | 1.45% | 1.46% | |
| 3 Year | 1.60% | 1.61% | |
| 4 Year | 1.84% | 1.86% | |
| 5 Year | 2.15% | 2.17% | |
*Active Checking is defined as having a Midcoast FCU checking account with a minimum of six transactions in the last 30 days (direct deposit, ACH withdrawal debit or draft activity). **New Money is defined as a minimum of $10,000 of funds from a source outside of the Credit Union, not currently on deposit. Minimum certificate amount is $1000 and early withdrawal penalties apply. Specials are available for regular share certificates and traditional IRA certificates only. Offer and terms subject to change without notice. A withdrawal will reduce earnings. Limited time offer.
Rates are subject to change without notice.
