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Midcoast Federal Credit Union

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HomeView RatesDeposit Rates

Deposit Rates

Checking Accounts

Effective Date: Sunday, December 8, 2019

Checking Accounts

TypeDividend RateAnnual Percentage Yield
Coast Checking0.0%0.0%How To Open
Free4ME Account0.0%0.0%How To Open
Compass Checking0.0%0.0%How To Open
Thrive Debit0.0%0.0%How To Open
Impact Business Checking0.0%0.0%How To Open

Rates are subject to change without notice.

Savings & Money Market Accounts

Effective Date: Sunday, December 8, 2019

Savings & Money Market Accounts

TitleDividend RateAnnual Percentage Yield
Member Savings0.15%0.15%How To Open
Special Purpose Savings0.15%0.15%How To Open
Sprout Savings0.15%0.15%How To Open
Youth Special Purpose Savings0.15%0.15%How To Open
Thrive Savings0.15%0.15%How To Open
Peak Money MarketHow To Open
$2,500.00 - $25,000.000.40%0.40%
$25,000.01 - $50,000.000.50%0.50%
$50,000.01 - $100,000.000.60%0.60%
$100,000.01 +0.80%0.80%
Health Savings Account0.15%0.15%How To Open
Coverdell Education Savings AccountsHow To Open
$0.00 - $10,000.000.35%0.35%
$10,000.01 +0.45%0.45%
Impact Business Savings0.15%0.15%How To Open

Rates are subject to change without notice.

Certificates of Deposit & Individual Retirement Accounts

Effective Date: Sunday, December 8, 2019

Certificates of Deposit & Individual Retirement Accounts

TitleDividend RateAnnual Percentage Yield
Traditional and Roth Individual Retirement AccountsHow To Open
$0.00 - $10,000.000.45%0.45%
$10,000.01 +0.55%0.55%
Share CertificatesHow To Open
6 Months1.14%1.15%
Certificate Special: 7 Months*1.77%1.79%
1 Year1.39%1.40%
18 Months1.64%1.65%
2 Year1.88%1.90%
3 Year1.98%2.00%
4 Year2.08%2.10%
5 Year2.23%2.25%
IRA CertificatesHow To Open
6 Months1.14%1.15%
Certificate Special: 7 Months*1.77%1.79%
1 Year1.39%1.40%
18 Months1.64%1.65%
2 Year1.88%1.90%
3 Year1.98%2.00%
4 Year2.08%2.10%
5 Year2.23%2.25%

*Effective 11/01/2019 and subject to change without notice. Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. Special is available for regular share certificates and traditional IRA certificates only, for members with an active Midcoast FCU relationship. An active relationship is defined as an active checking account or credit card with a minimum of five transactions in the last 30 days, or an active consumer or home loan. If no active relationship exists, APY will be less 0.25% for the 7 month term. A penalty may be charged for early withdrawal. A withdrawal will reduce earnings.

Rates are subject to change without notice.

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PHONE: 877.964.3262 (Toll Free)

ROUTING: 211287476

NMLS #: 415389

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