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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 September 1st, 2017

Savings Rates - Effective Friday, July 7, 2017
Account TypeAPYMinimum
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
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 September 1st, 2017

Loan Rates - Effective Saturday, March 24, 2018
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.
60th anniversary loan special2.600%save money finance with MCCU

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 September 1st, 2017

Certificate Rates - Effective Saturday, March 24, 2018
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

Statement Copies (Statement History)$10.00Per Statement
Free Online
Corporate Draft$3.00 
Account Research$25.00Minimum
Money Orders$3.00Per Item
Wire Transfer (Domestic)$20.00 
Dormant Fee$10.00Per Month
Assessed after one year with no activity.
Change of Address$5.00Returned from Post Office
Automatic Check (CFT)$1.00 
Checking Fees and Charges
Automatic Transfer Fee$5.00Per Notice
NSF Returns$30.00Per Item
Courtesy Pay Fee$30.00Per Item
Returned Outside Check Fee$15.00Per Item
Check Stop Payments$25.00For one check or series or checks
Blanket Stop Payments$25.00Per Series
Stop Payments on Corporate Checks and Money Orders$30.00Per Item
Check Copy$5.00Per Check
Free Online
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
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
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
  • $10.00
Incomplete ATM Transactions$0.50Per Time