This website has been built using standards-compliant HTML and Cascading Style Sheets. Whether by choice or by obsolete technology, your browser doesn't render the site's layout properly. If you'd like to view the full site design, please upgrade to a standards-compliant, graphical browser.



inside MCCU

routing number

Michigan Coastal Credit Union's routing number is: 272483277

partner links

other info

Rates And Fees

Loans and Savings Rates

Savings Rates

Effective date: As of June 24th, 2020

Savings Rates - Effective Wednesday, March 24, 2021
Account TypeAPYMinimum
REGULAR SHARES0.050%$5.00$500.00
HIGH YIELD SHARES0.250% - 0.250%$2,500.00$2,500.00
HIGH YIELD SHARES0.250% - 0.310%$2,500.00$20,000.00
HIGH YIELD SHARES0.310% - 0.450%$2,500.00$50,000.00
CHRISTMAS CLUB0.150%$1.00$0.00
VACATION CLUB0.050%$0.00$0.00
IRA SHARES0.100%$0.00$0.00
ROTH IRA SHARE0.100%$0.00$0.00
YOUTH SAVINGS ACCT0.050%$0.00$0.00

Fees may reduce earnings. Rate may change after the account is opened.

Loan Rates

Effective date: As of July 1st, 2020

Loan Rates - Effective Tuesday, May 18, 2021
Loan TypeRates as low as - Stated in APRTerms/Information
New Vehicle1.500%Check out our low rates!!
Used Vehicle2.500%Older vehicles, Motorcycle
BOAT / RV4.750%
Visa Card8.490%as low as 8.49% - No Annual Fee
Revolving Loan12.950%Pay only $20 for every $1,000.00 you borrow!
signature loan3.500%

Your Actual APR (Annual Percentage Rate) will be based upon your individual credit worthiness, loan amount, term of loan and applicable prepaid items.

NEW! Apply Online Now! You don't even have to be a member yet.

Certificate Rates

Effective date: As of June 24th, 2020

Certificate Rates - Effective Tuesday, May 18, 2021
Certificate TermAPYMinimum Deposit
6 MONTH GOLDEN ACCT0.500%$500.00
12 MONTH GOLDEN ACCT0.550%$500.00
18 MONTH GOLDEN CERT0.600%$500.00
24 MONTH GOLDEN ACCT0.650%$500.00
36 MO GOLDEN CD0.750%$500.00
48 MO GOLDEN CD0.850%$500.00
60 MO GOLDEN CD1.000%$500.00
12 IRA CERTIFICATE0.500%$500.00
36M IRA CERTIFICATE0.750%$2,000.00
60 MONTH $25,000.001.000%$25,000.00
12 MONTH YOUTH CD0.500%$100.00
60 MONTH IRA CERT1.000%$25,000.00

Penalty for early withdrawals.

Fee Schedule

Statement Copies$10.00Per Statement
Free Online
Money Orders and Corp Checks$3.00Per Item
Account Research/Reconciliation Fee$25.00Minimum
Fax Services$2.00First page, $1.00 each additional page
Dormant Fee$10.00Per month after 1 year with no activity
Return Mail/Bad Address$5.00 
Check Stop Payment$25.00For one check or series of checks
ACH Stop Payment$25.00 
Check Copy$5.00Free Oline
Starter Checks$4.00Per Page (4 checks/page)
Account History "List"$5.00Free Oline
Phone Transfer Fee/Acct Inquiry$1.00Free Oline
ATM Card (New and Replacement)$10.00 
ATM/Debit Pin Order or Reissue$2.00 
Plastic RUSH Delivery$75.00 
Inactive Bill Pay Account$5.00Per month (only need
1 transaction/month)
Foreign Item Processing$10.00 
IRA Transfer to Another FI$25.00 
Late Title Fee$30.00After 30 days
Non-Member Check Cashing$5.00Checks drawn off
Michigan Coastal
Christmas Club Withdrawal$5.00each withdrawal
Service Re-instatement after Collections$15.00 
Visa Gift Card$3.50 
Verification of Deposit$5.00Not to include DHS
Membership Fee$1.00First time / $5.00 each additional
IRA Yearly Administration Fee$20.00Not to include existing IRA's
Wire Transfer (Domestic)$20.00 
Automated Check Fee (CFT)$1.00 
Automatic Overdraft Transfer Fee$5.00For each transfer/item
NSF Returns$30.00Per item
Courtesy Pay Fee$30.00Per item
Return Outside Check Fee$15.00Per item
Stop Payments on Corporate Checks$30.00Per item
Stop Payments on Money Orders$30.00Per item
Copy of Corp Checks & Money Orders$5.00Per item
Business Checking Account Fee$10.00Per month
Check Processing Fee$5.00Per check, Waiver for:
*Aggregate Bal of $50.00
*Youth Accounts
*Debit Card w/ Checking
ATM Deposits$1.005 business day hold on ALL Deposits
Point of Sale Transactions$1.00Each, First 5 POS Transactions
Free Per Month
ATM Transfers$1.00Free at MCCU ATM
ATM Withdrawals$1.00Free at MCCU ATM
ATM Inquiries$1.00Free at MCCU ATM
Incomplete ATM Transactions$0.50Per item
Debit Card$10.00Replacement Fee
Visa Credit Card$10.00Replacement Fee
Visa Credit Card Statement Copies$10.00each copy