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.

Home

 

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 Feb 1, 2017

Savings Rates - Effective Friday, July 7, 2017
Account TypeAPYMinimum
Deposit
Minimum
Balance
REGULAR SHARES0.050%$5.00$500.00
HIGH YIELD SHARES0.500%$2,500.00$2,500.00
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
CHECKING0.000%$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 Feb 1, 2017

Loan Rates - Effective Sunday, July 23, 2017
Loan TypeRates as low as - Stated in APRTerms/Information
New Vehicle2.740%Check out our low rates!!
Used Vehicle2.890%Older vehicles, Motorcycle
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 Loan9.000%Watch for Signature Loan Specials.

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 Feb 1, 2017

Certificate Rates - Effective Sunday, July 23, 2017
Certificate TermAPYMinimum Deposit
6 MONTH GOLDEN ACCT0.550%$500.00
12 MONTH GOLDEN ACCT0.710%$500.00
36 MO GOLDEN CD1.420%$500.00
48 MO GOLDEN CD1.720%$500.00
60 MO GOLDEN CD2.010%$500.00

Penalty for early withdrawals.

Fee Schedule

Shares
 
 
ServiceFeeNotes
Statement Copies (Statement History)$2.00 
Corporate Draft$3.00 
Account Research$15.00Per Hour
Money Orders$1.00Per Item
Wire Transfer (Domestic)$20.00 
Dormant Fee$5.00Per Month
Assessed after one year with no activity.
Change of Address$2.00Returned from Post Office
Automatic Check (CFT)$1.00 
Checking Fees and Charges
 
 
ServiceFeeNotes
Automatic Transfer Fee$5.00Per Notice
NSF Returns$30.00Per Item
Courtesy Pay Fee$30.00Per Item
Returned Outside Check Fee$15.00Per Item
Stop Payments$15.00Per Item
Blanket Stop Payments$25.00Per Series
Stop Payments on Corporate Checks and Money Orders$30.00Per Item
Check Copy$2.00Per Check
Corporate Check Copy and Money Order Copy$5.00Per Item
Reconciliation Fee$15.00Per Hour
Statement Copies (Transaction History)$2.00One Free / Month
Statement Copies (Microfiche Statement)$2.00Per Page
Starter Checks $2.00Per Page
Business Checking Monthly Account Fee$10.00 
Check Processing Fee$5.00Per Check
Waiver for:
  • Aggregate Balance of $50.00
  • Loans
  • Youth Accounts
ATM / Debit Cards
 
 
ServiceFeeNotes
Deposits$1.005 day hold on Deposits
Point of Sale$1.00First 5 Point of Sale Transactions, per month, are Free
NSF Fee$30.00 
Card Replacement
  • Debit Card
  • ATM Card
  •  
  • $10.00
  • $3.00
 
Transfers$1.00 
Withdrawals$1.00 
Inquiries$1.00 
Incomplete ATM Transactions$0.50Per Time