Click the tabs below to navigate through Share Rates, Business Rates and Loan Rates.
Share Rates
Effective as of 12/27/2024. You can also download our current deposit/share rates in PDF format.
Cash Rewards Learn More
| Balance | Minimum to Open | APY |
|---|---|---|
| 0 - $10,000 | $25 | 5.000% |
| Amounts over $10,000 | $25 | 0.909%1 |
| All balances if qualifications not met | $25 | 0.01% |
APY = Annual Percentage Yield.
1 Blended rate calculated based on $100,000 above 1st tier
Cash Back Rewards Learn More
| Account | Minimum to Open | APY |
|---|---|---|
| Cash Back Rewards | $25 | 3.00% |
APY = Annual Percentage Yield.
Checking Learn More
| Account | Minimum to Open |
|---|---|
| Standard Checking | $25 |
| Simple Checking | $25 |
Personal Savings Learn More
| Account | Deposit to Open | Minimum Balance to earn APY | Rate | APY |
|---|---|---|---|---|
| Regular Share Savings Account | $5.00 | $5 | 0.499% | 0.500% |
|
Special Savings/Holiday Club |
$0.01 | $5 | 0.499% | 0.500% |
| IRA Money Market | $0.01 | $0.01 | 0.995% | 1.000% |
| Money Market Plus Account | $2,500.00 |
$.01 - $100,000.00 |
0.995% 1.094% 1.292% 1.489% 1.686% |
1.000% 1.100% 1.300% 1.500% 1.700% |
APY = Annual Percentage Yield.
Cash / Cash Back Saver Learn More
| Balance | Minimum to Open | APY |
|---|---|---|
| 0 - $15,000 | None | 3.000% |
| Amounts over $15,000 | None | 0.826%1 |
APY = Annual Percentage Yield.
1 Blended rate calculated based on $100,000 above 1st tier
Youth Accounts Learn More
| Account | Deposit to Open | Minimum Balance to earn APY | Rate | APY |
|---|---|---|---|---|
| First Savings for Kids($0.01 - $500.00) | $5.00 | $5.00 | 1.243% | 1.250% |
| First Savings for Kids($500.01 - and Above) | $5.00 | $5.00 | 0.499% | 0.750% |
| Student Plus Checking($0.01 - $500.00) | $25.00 | $25.00 | 0.995% | 1.000% |
| Student Plus Checking($500.01 - and Above) | $25.00 | $25.00 | 0.030% | 0.353% |
Blended rate calculated based on $1,000 above $500
APY = Annual Percentage Yield.
Share Certificates Learn More
| Name | Term | Minimum Balance to earn APY | Rate | APY |
|---|---|---|---|---|
| 30 Day Regular Certificates | 30 Days | $1,000.00 | 3.922% | 4.000% |
| 3 Month Regular Certificates | 3 Months | $1,000.00 | 3.922% | 4.000% |
| 6 Month Regular & IRA Certificates | 6 Months | $1,000.00 | 3.922% | 4.000% |
| 1 Year Regular & IRA Certificates | 1 Years | $1,000.00 | 3.922% | 4.000% |
| 2 Year Regular & IRA Certificates | 2 Years | $1,000.00 | 3.730% | 3.800% |
| 3 Year Regular & IRA Certificates | 3 Years | $1,000.00 | 3.730% | 3.800% |
| 4 Year Regular & IRA Certificates | 4 Years | $1,000.00 | 3.682% | 3.750% |
| 5 Year Regular & IRA Certificates | 5 Years | $1,000.00 | 3.682% | 3.750% |
| 18 Month Regular & IRA Accumulator Certificates | 18 Months | $250.00 | 3.778% | 3.850% |
APY = Annual Percentage Yield.
Business Rates
Effective as of 12/27/2024.
Business Checking Learn More
| Name | Deposit to Open |
|---|---|
| Business Checking | $100.00 |
| Commercial Checking | $100.00 |
Business Savings Learn More
| Name | Deposit to Open | Minimum Balance to earn APY | Rate | APY |
|---|---|---|---|---|
| Regular Shares | $5.00 | $250.00 | 0.499% | 0.500% ¹ |
| Commercial Money Market Account | $1,500.00 | $.01 - $100,000.00 $100,000.01 - $250,000.00 $250,000.01 - $500,000.00 $500,000.01 - $1,000,000.00 $1,000,000.01 and above |
0.995% 1.094% 1.292% 1.489% 1.686% |
1.000%2 1.100%2 1.300%2 1.500%2 1.700%2 |
APY = Annual Percentage Yield.
1. Rate Information. The most recently declared dividend rate and annual percentage yield are listed in the table above. The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors.
Compounding and Crediting. Dividends will be compounded and paid monthly. If you close your account before dividends are paid, you will not receive the accrued dividends.
Minimum Balance Requirements. The minimum balance required to open an account and to obtain the disclosed APY are listed above.
Balance Computation Method. Dividends on Regular Share and Holiday Club are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Earnings Credit Calculation: The earnings credit is derived by taking the average collected balance times the number of days in the month times the earnings credit rate divided by the number of days in the year, minus the average uncollected balance times the number of days in the month times the uncollected funds rate divided by the number of days in the year, minus any monthly fees. The earnings credit rate is based on the Premier checking account rate plus .10%. The uncollected funds rate is based on CitiGroup Prime + 2% as listed in the Wall Street journal as of the 25th of the preceding month. If the calculation result is negative, it will be posted as a fee and deducted from your account on the first day of the following month.
Accrual of Dividends. Dividends for the appropriate accounts will begin to accrue on the business day you deposit cash and/or non-cash items (e.g. checks) to your account.
Fees and Charges. The fees and charges that may be assessed against your account are listed on appropriate fee schedule.
Transaction Limitations. Withdrawals and transfers from your Accounts are subject to the following limits:
- Transfers from your Regular Share Accounts through MATT (Member Access Telephone Teller), Online Banking, telephone transfers, preauthorized transfers and transfer to the Checking Account to cover drafts are currently not limited to a number of transfers per month.
- Withdrawals through the ATM/POS Networks may be limited to $300 per day.
- Over the Counter Cash Withdrawals and Withdrawals through ATM may be limited to $1,000 per day.
- Withdrawals may be limited if your loan(s) with the Credit Union are delinquent.
- The Credit Union reserves the right to require a member intending to make a withdrawal from a Regular Share Account to give written notice of such intent not less than seven days and up to 60 days before such withdrawal.
Par Value of Shares; Dividend Period. The par value of a regular share in this Credit Union is $5.00. The dividend period of the Credit Union is monthly.
Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
2. Rate Information. The dividend rate and annual percentage yield are listed in the table below. The dividend rate and annual percentage yield may change every month as determined by the credit union board of directors.
Compounding and Crediting. Dividends will be compounded and paid monthly. If you close your account before dividends are normally paid, any accrued dividends will be posted to your account prior to closure.
Minimum Balance Requirements. The minimum balance required to open an account and to obtain the disclosed APY are listed above.
Balance Computation Method. Dividends on the Commercial Money Market Accounts are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Accrual of Dividends. Dividends will begin to accrue on the business day you deposit cash and/or non-cash items (e.g. checks) to your account.
Fees and Charges. The fees and charges that may be assessed against your account are listed on the fee schedule.
Transaction Limitations. Withdrawals and transfers from your Accounts are subject to the following limits:
- Transfers from your Commercial Money Market Account through MATT (Member Access Telephone Teller), telephone transfers and preauthorized transfers are currently not limited to a number of transfers per month.
- Withdrawals through the ATM Networks may be limited to $300 per day.
- Over the Counter Cash Withdrawals and Withdrawals through ATM may be limited to $1,000 per day.
- Withdrawals may be limited if your loan(s) with the Credit Union are delinquent.
- The Credit Union reserves the right to require a member intending to make a withdrawal from a Regular Share Account to give written notice of such intent not less than seven days and up to 60 days before such withdrawal.
Par Value of Shares; Dividend Period. The par value of a regular share in this Credit Union is $5.00. The dividend period of the Credit Union is monthly.
Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Loan Rates
Current Rates (as of 05/09/2025). You can also download our current loan rates in PDF format.
Vehicle Loans Learn More
| Loan | Term | APR as low as |
|---|---|---|
| New/Used Auto Loan Up to 36 Months | 36 Months | 5.24% |
| New/Used Auto Loan 37-48 Months | 48 Months | 5.49% |
| New/Used Auto Loan 49-72 Months | 72 Months | 5.74% |
| New/Used Auto Loan 73-84 Months | 84 Months | 5.99% |
| New Auto Loan 85-96 Months (New Car Only) | 96 Months | 6.74% |
| New Boat/RV up to 120 Months | 120 Months | 9.00% |
| Used Boat/RV up to 84 Months | 84 Months | 8.75% |
| New Motorcycle up to 60 Months | 60 Months | 7.99% |
| Used Motorcycle up to 60 Months | 60 Months | 8.75% |
Rate/APR = Annual Percentage Rate.
Annual Percentage Rates listed are the lowest rate available and would require Auto Pay.
Home Equity Learn More
| Loan | APR as low as | Minimum Loan Amount | Maximum Loan Amount |
|---|---|---|---|
| HELOC (Interest Only) | 7.75% 1 | $10,000.00 | $500,000.00 |
| HELOC (Principal & Interest) | 7.50% 1 | $10,000.00 | $500,000.00 |
| 15 or 20-Year Home Equity Loan | 8.250 | $10,000.00 | $500,000.00 |
Rate/APR = Annual Percentage Rate.
1Rates available as low as Prime (currently 7.50% ) for owner-occupied properties only. Additional rates and terms are available; rates‚ terms and conditions may vary based on creditworthiness and qualifications and are subject to change. Subject to credit and property approval. Maximum loan amounts up to $500‚000 but will be based on the amount of equity available‚ up to 90% of the appraised value of the property. Closing costs vary and will depend on the location of the property and the amount of the loan. Property insurance is‚ and flood insurance may be‚ required. Consult your tax advisor regarding the deductibility of interest. Rates and APRs are subject to change without notice. MAFCU NMLS # 422401
Consumer Loans Learn More
| Loan | APR as low as | Minimum Loan Amount |
|---|---|---|
| Visa Credit Card |
14.50% | N/A |
| Kwik Kash Line of Credit | 11.75% | N/A |
| Signature Loan ** | 9.75% | N/A |
Rate/APR = Annual Percentage Rate.
** Loan rate for the Signature Loan shown is the lowest rate for the product advertised and would require Auto Pay.
Mortgage Loans Learn More
| Loan Type | Loan Amount | Rate as low as* | APR as low as | Discount Points |
|---|---|---|---|---|
| Conventional 30 Yr Fixed | $400,000 | 7.125% 6.875% |
7.145% 6.993% |
0.000 1.000 |
| Conventional 1Yr COFI ARM | $400,000 | 4.750% | 4.854% | 0.000 |
| Conventional 3 Yr ARM | $400,000 | 5.500% 5.250% |
5.518% 5.357% |
0.000 1.000 |
| Conventional 5 Yr ARM | $400,000 | 5.875% 5.625% |
5.894% 5.734% |
0.000 1.000 |
| Conventional 7 Yr ARM | $400,000 | 6.125% 5.875% |
6.144% 5.986% |
0.000 1.000 |
| Conventional 10 Yr ARM | $400,000 | 6.375% 6.125% |
6.394% 6.237% |
0.000 1.000 |
Rate/APR = Annual Percentage Rate.
*Rates are based on evaluation of credit history, 80% loan-to-value, primary residence purchase, $400,000 loan amount, so your rate may differ. Rates subject to change at any time. MAFCU NMLS # 422401
The Index for the COFI ARM Program is based on Mid Atlantic Federal Credit Union's Cost of Funds.
The Index for ALL other ARM Programs is the Secured Overnight Financing Rate (SOFR). After initial term, loan adjusts every 6 months.