Rates & Fees

For your convenience, we have pulled together our current Deposit Rates, Loan Rates, and Fee Schedule that Members Trust offers credit union members. We regularly update this Rates & Fees page whenever a change in rates or fees occurs. If you have any questions regarding the Members Trust rates & fees, please contact us - we'd be glad to assist you!

View Current Deposit Rates...

DEPOSIT RATES - AS OF 05/27/2026
Account Type  Deposit Type  Dividend Rate  Annual Percentage Yield (APY)
  Super Saver
  Money Market		   < 500.00   0.00   0.00
  Super Saver
  Money Market		   500.00 to 24,999.99   0.55   0.55
  Super Saver
  Money Market		   25,000.00 to 49,999.99   0.70   0.70
  Super Saver
  Money Market		   50,000.00 to 99,999.99
   0.80   0.80
  Super Saver
  Money Market		   100,000.00 to 199,999.99
   0.95   0.95
Super Saver
Money Market		 200,000.00 to 4,999,999.99   1.10   1.11
Super Saver
Money Market		 5,000,000.00 and over   1.50
   1.66

Premier Savings Rates for: April, May, and June 2026  *Annual Percentage Yield (APY) and Annual Percentage Rate (APR) are subject to change, fees may reduce potential earnings*

 Account Type  Deposit Type  Dividend Rate Annual Percentage Yield (APY)
  Premier Savings   < 500.00   0.00   0.00
  Premier Savings   500.00 to 24,999.99   0.40   0.40
  Premier Savings   25,000.00 to 49,999.99   0.55   0.55
  Premier Savings   50,000.00  to 99,999.99
   0.65   0.65
  Premier Savings   100,000.00 to 199,999.99   0.80   0.80
 Premier Savings
   200,000.00 and over
   0.95   0.95
 Account Type  Deposit Type  Dividend Rate Annual Percentage Yield (APY)
  IRA / HSA   200.00 to 24,999.99   0.30   0.30
  IRA / HSA   25,000.00 to 49,999.99   0.45   0.45
  IRA / HSA   50,000.00 to 99,999.99   0.55
   0.55
  IRA / HSA   100,000.00 to 199,999.99   0.65
   0.65
  IRA / HSA   200,000.00 and over   0.75
   0.75
 Account Type  Dividend Rate Annual Percentage Yield (APY)
  Share (Savings)   0.20   0.20
  Cattle Accounts   0.20   0.20
  Christmas Club & Vacation   0.20   0.20
  Share Draft (Checking)   0.20   0.20
  Youth Accounts   0.20   0.20
 Certificate  Accounts  Min. $1,000  Mini-  Jumbo/Min. $25,000
  Jumbo/Min. $90,000
   Dividend  Rate Annual Percentage Yield (APY)  Dividend
Rate
Annual Percentage Yield (APY)  Dividend
Rate
Annual Percentage Yield (APY)
  182 Days   3.85   3.92   3.95   4.02   4.05   4.13
  1 Year   3.85   3.92   3.95   4.02   4.05   4.13
  2 Years   3.80   3.87   3.90   3.97   4.00   4.07
  30 Months   3.75   3.82   3.85   3.92   3.95   4.02
  3 Years   3.75   3.82   3.85   3.92   3.95   4.02
  4 Years   3.75   3.82   3.85   3.92   3.95   4.02
  5 Years   3.75   3.82   3.85   3.92   3.95   4.02
             

View Current Loan Rates

LOAN RATES - AS OF 05/27/2026

Terms

Annual Percentage Rate (APR) As Low As:
  New, Used Autos, RVs, Trailers etc.
  4.77%*
  Personal Loan Rates (Max 48 Months) 10.75%*
 Term Share Certificate
 Rate +1.25%
 Super Saver Secured (1.25% over high split)
  2.50%
 Premier Share Account Secured (1.25% over high split) 2.00%
 Student Loan Rates
 4.75%*
 Share and CD Secured
   Call for current rates
  Call for more info
   
 
  
 
  
*Rates presented are "As low as". Actual rate based on the loan application may be higher.   *
  Mastercard - Standard (Variable Rate)
  Rates are based on creditworthiness, and will vary with the market based on the WSJ Prime Rate
  9.74%*
  Mastercard - Premium/Rewards (Variable Rate)
Rates are based on creditworthiness, and will vary with the market based on the WSJ Prime Rate
   12.74%*
  Farm Equipment
 Call for current rates
  Used Farm Equipment
   Call for current rates
  Dairy Equipment
 Call for current rates
  Cattle
 Call for current rates
  Real Estate Loans:
  
  •   Home Improvement
 Call for current rates
  •   First Time Home Buyer
 Call for current rates
  •   Refinance
 Call for current rates
  • Home Equity
 Call for current rates
  • Construction / Home Improvement
 Call for current rates
  •  Land Loans
   Call for current rates
  Business Loans: Vehicles, Trucks, Trailers, Equipment, Lines of Credit, etc
 Call for current rates
  Commercial and Agriculture Real Estate
 Call for current rates

View Current Fee Schedule...

 

SAVINGS ACCOUNTS
Non-in person excessive transaction fee (per transaction) $10.00
Christmas Club Savings Account
Withdrawals made between January 1 - October 31
(per withdrawal)		 $5.00
Super Savers
Monthly service charge if balance <$500 at end of cycle		 $5.00

CHECKING ACCOUNTS
Returned Check (NSF) drawn on MTFCU $29.00
Deposited check drawn on MTFCU returned for any reason $10.00
Stop Payment: check or ACH (per item) $30.00
Courtesy Pay (per item) $25.00
Check Copies (per item) - Free through online banking $2.00
Overdraft Transfer Fee (per day) $5.00

ATM/DEBIT CARDS - PER TRANSACTION
Expedited Shipping Fee $30.00
Non-Member ATM Fee
(non-MTFCU member uses MTFCU ATM machine)		 $3.00
Non-MTFCU network ATM fee
(MTFCU member uses non-network ATM)
visit MTFCU.coop for list of surcharge free ATMS worldwide.		 $1.50
Transaction against insufficient funds $29.00
Lost/Stolen card replacement $5.00

BILL PAY (PER ITEM)
Bill Pay Access FREE
Bill Pay Item returned NSF $29.00
Bill Pay Items returned due to member error.
I.e. invalid payee acct\address		 $25.00
Bill Pay Proof of Payment, initiated by member $15.00
Bill Pay Research verification of item, initiated by Payee $15.00

ELECTRONIC SERVICES
ACH Returned Item $29.00
One-time ACH Origination $25.00

WIRE TRANSFER
Domestic $20.00
International $60.00
Western Union
Domestic $25.00
International up to $500 $50.00
International over $500 $60.00

LOAN ACCOUNTS
Duplicate Loan Papers (after loan closing) $50.00
Lost Titles $25.00
Irrevocable Letter of Credit .5% of limit
Delinquent Payment Charge "Late Fee"
See individual loan product closing documents
Skip-a-pay/Loan Extension - per loan (non-collection) $25.00
Real Estate Modification Fee (per loan)
Filing fees are additional
Current Loan Balance ≤$49,999.99 $500.00
Current Loan Balance $50,000.00 to $149,999.99 $1,000.00
Current Loan Balance $150,000.00 and $349,999.99 $1,500.00
Current Loan Balance ≥ $350,000.00 $2,000.00
Subordination Fee (per request) $350.00

SAFE DEPOSIT BOXES
Annual Rent
See local branch for current annual box rental fee. *Annual rental fee set to increase 01/01/2025*
Lost safe deposit box key (per key) $50.00
Safe Deposit box drilling $125.00

MISCELLANEOUS ACCOUNT FEES
Account Research, including statement balancing
(per hour, 1 hour minimum)		 $25.00
Plus per copy fee (per page) $2.00
Stop Payment (per item) $25.00
Account Print out (per 5 pages) $2.00
Statement Copies (per page) - Free using e-statements $1.00
Cashier's Check (per check) $5.00
Certified Check (per check) $5.00
Third Party Teller Check $3.00
Copy of Teller Check (per check) $5.00
Fax Machine (per Page - personal use) $2.00
Returned Mail (per occurrence) $7.50
Outgoing IRA transfer/Rollover Fee $25.00
Levy/Garnishment (per account, per occurrence) $30.00
Check Imaging for Business Checking (per statement cycle) $10.00
Collection item: Foreign/”Payable Through” draft deposit
(per item)		 $25.00
Returned Check (NSF) drawn on other institution
deposited at MTFCU		 $29.00
Inactive/Dormant Accounts over 36 months
- fee charged monthly, if there are no other
accounts/services and balance is ≤$100.00		 $5.00
Verification of Deposit or Loan/per account $5.00
Paper statement fee (per statement mailed) $1.00
Paper Loan Coupon book (per year) $5.00

Auto Loans

RATES AS LOW AS
4.77%

Personal Loan

RATES AS LOW AS
10.75%

RV Loan

RATES AS LOW AS
4.77%

Money Market

ACCOUNTS AS HIGH AS
1.5%

Certificate Accounts

AS HIGH AS
4.13% APY
View All