Rates & Fees

Cars, Trucks, Motorcycles, Boats, RVs - Rates As Low As:
2017 & Newer Term in Months Annual Percentage Rate Monthly Payment1
30 2.99% $34.64
72 3.74% $15.53
84 4.99% $14.13
Used Cars, Trucks, Motorcycles, Boats, RVs, & ATVs - Rates as Low As:
2014 to 2016 Term in Months Annual Percentage Rate Monthly Payment1
30 3.49% $34.86
66 4.24% $17.01
78 5.24% $15.16
Older Vehicles, Jet Skis, Snowmobiles, RVs, Lawnmowers, etc. - Rates As Low As:
Term in Months Annual Percentage Rate Monthly Payment1
30 4.49% $35.30
66 5.24% $17.47
Unsecured - Rates As Low As:
Term in Months Annual Percentage Rate Monthly Payment1
Unsecured 48 9.24% $25.00
Kwik Cash Line of Credit Not Applicable Variable 3% of balance2
1Annual Percentage Rate (lowest rate offered with active MMCCU checking and direct deposit)
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 and direct deposit. 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.
Mortgage & Home Equity Loan Rates As Low As:
FIRST MORTGAGES
Type Term in Months Rate Annual Percentage Rate3 Monthly Payment3
FIXED RATE 120 3.750% 3.757%3 119 monthly payments of $1,000.84; 1 monthly payment of $1,000.69
144 3.750% 3.757%3 143 monthly payments of $863.66; 1 monthly payment of $862.39
180 3.875% 3.881%3 179 monthly payments of $733.65; 1 monthly payment of $731.70
240 Call 715-387-8686 for Current Rates
360 Call 715-387-8686 for Current Rates
5.5 YEAR BALLOON Up to 180 Months Amortizing 3.375% 3.384%3 65 monthly payments of $708.95; 1 balloon payment of $69,769.71
Up to 240 Months Amortizing 3.375% 3.384%3 65 monthly payments of $573.74; 1 balloon payment of $79426.86
Up to 360 Months Amortizing 3.375% 3.384%3 65 monthly payments of $442.28; 1 balloon payment of $88816.14
7 YEAR BALLOON Up to 180 Months Amortizing 3.875% 3.881%3 83 monthly payments of $733.65; 1 balloon payment of $61,197.95
Up to 240 Months Amortizing 3.875% 3.881%3 83 monthly payments of $599.61; 1 balloon payment of $73,974.51
Up to 360 Months Amortizing 3.875% 3.881%3 83 monthly payments of $470.43; 1 balloon payment of $86,287.78
CONSTRUCTION 12 3.750% 3.756%4 Monthly interest payments based on the amount outstanding
SECOND MORTGAGES
Type Term in Months Rate Annual Percentage Rate3 Monthly Payment3
FIXED RATE 120 4.750% 4.759%3 119 monthly payments of $1,048.79; 1 monthly payment of $1,047.53
5.5 YEAR BALLOON Up to 180 Months Amortizing 4.125% 4.135%3 65 monthly payments of $746.19; 1 balloon payment of $71,025.47
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 July 1, 2019 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 July 1, 2019 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%.
Dividend Period APY6 Minimum to Earn APY/Minimum to Open Account/Maximum Balance
Regular Savings Quarterly 0.30% $50.00/$5.00/$500,000.00
Open Savings Quarterly 0.30% $50.00/$5.00/$500,000.00
Investor Savings
- 1st Tier Monthly 1.76% $125,000.00/$1,000.00/$500,000.00
- 2nd Tier Monthly 1.30% $75,000.00/$1,000.00/NA
- 3rd Tier Monthly 1.05% $25,000.00/$1,000.00/NA
- 4th Tier Monthly 0.75% $1,000.00/$1,000.00/NA
Kasasa Saver® Savings7
- 1st Tier Monthly Qualifying Cycle8 0.30% $7,500.00/$30.00/$500,000.00
- 2nd Tier Monthly Qualifying Cycle8 0.35% $0.00/$30.00/NA
- Non-Qualifying Rate Monthly Qualifying Cycle8 0.03% $0.00/$30.00/$500,000.00
Education Fund Quarterly 0.75% $50.00/$5.00/$500,000.00
Saver's Sweepstakes™ Quarterly 0.30% $50.00/$5.00/$500,000.00
Christmas Club Oct 1 - Sept 30 0.50% $50.00/$5.00/$500,000.00
Real Estate Escrow Quarterly 0.18% $5.00/$5.00/NA
IRA Savings Quarterly 1.00% $50.00/$5.00/$500,000.00
Coverdell ESA Quarterly 1.00% $50.00/$5.00/NA
Checking
- 1st Tier Monthly 0.10% $5,000.00/$20.00/$500,000.00
- 2nd Tier Monthly 0.05% $1,000.00/$20.00/NA
- 3rd Tier Monthly 0.01% $300.00/$20.00/NA
Kasasa Cash® Checking7
- 1st Tier Monthly Qualifying Cycle8 0.30% $7,500.00/$30.00/$500,000.00
- 2nd Tier Monthly Qualifying Cycle8 2.00% $0.00/$30.00/NA
- Non-Qualifying Rate Monthly Qualifying Cycle8 0.03% $0.00/$30.00/$500,000.00
Health Savings Account (HSA)
- 1st Tier Monthly 1.51% $25,001.00/$0.00/$500,000.00
- 2nd Tier Monthly 1.20% $10,001.00/$0.00/NA
- 3rd Tier Monthly 0.85% $2,001.00/$0.00/NA
- 4th Tier Monthly 0.60% $50.01/$0.00/NA
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 (Christmas Club and IRA Savings). Please request complete disclosures for detailed information. Contact the credit union directly to verify current rates.
Rates current as of July 19, 2019.
Term APY8 Dividend Paid Minimum to Earn APY & Minimum to Open
3 Months 0.60% Maturity $1,000.00
3 Months 1.00% Maturity $10,000.00
6 Months 0.75% Monthly $1,000.00
6 Months 1.76% Monthly $10,000.00
9 Months **SPECIAL** 2.12% Monthly $10,000.00
11 Months **SPECIAL** 2.01% Monthly $10,000.00
12 Months 2.01% Quarterly $500.00
18 Months 2.26% Quarterly $500.00
24 Months 1.40% Quarterly $500.00
36 Months 1.50% Quarterly $500.00
48 Months 1.61% Quarterly $500.00
60 Months 1.76% 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
Inactive Account Fee9 $5.00 per quarter
Transfer Fee $3.00 per transfer
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
Non-member Check Cashing Fee $10.00 per check
Foreign Item Processing Fee $25.00 per item
Tax Levy Presentments Varies

SHARE DRAFT ACCOUNT FEES:

Basic Checking FREE
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
Check Order Billing Varies
Counter Checks .75¢ for 3
Bill Pay (after 2 months inactivity) $4.95 per month

CHECKLINK FEES:

Debit Card Replacement $10.00 per item
Debit PIN Replacement $5.00 per item
Debit Card Special Shipping Fee $30.00

OTHER FEES:

Cashier's Checks to Third Party $5.00 per item
Member Fax (Send) $3.00 up to 5 pages
Member Fax (Receive) $1.00 up to 5 pages
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
Christmas Club Early Withdrawal Fee $10.00 per withdrawal
Saver's Sweepstakes 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 $13.00 each
Additional VISA Travel Money Cards $11.00 each
VISA Travel Money Card -Reload Fee $6.00
VISA Travel Money Card -ATM Withdrawal $1.50
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
9Inactive account fee applicable 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 January 2019