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Certificate Account Savings Money Market Checking

11 Month SuperFlex CD

After an initial investment of $5,000, you can enjoy the flexibility of making unlimited additional deposits. Need access to you money? This Certificate allows you to make one penalty free withdrawal during the term of your investment as long as a minimum balance of $1,000 is maintained.

APY: 0.50% Min Deposit: $5,000.00

6 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 6 Month CD.

APY: 0.30% Min Deposit: $500.00

12 Month Auto-Build CD

Start saving with as little as $25 – and keep adding to it throughout the term of your investment. Once your account principal reaches $5,000 you earn the top tier interest rate. A minimum initial deposit of $25.00 is required.

Max APY: 0.45% Min Deposit: $25.00

24 Month Auto-Build CD

Our 24 Month Auto-Build CD offers the same benefits and features as our 12 Month Auto-Build CD but gives you even more time to build your account principal towards the $5,000 mark. A minimum initial deposit of $25.00 is required.

Max APY: 0.55% Min Deposit: $25.00

24 Month Bump Up CD

APY: 0.40% Min Deposit: $500.00

9 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 9 Month CD.

APY: 0.40% Min Deposit: $500.00

36 Month Bump Up CD

APY: 0.40% Min Deposit: $500.00

48 Month Bump Up CD

APY: 0.55% Min Deposit: $500.00

60 Month Bump Up CD

APY: 0.55% Min Deposit: $500.00

12 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 12 Month CD.

APY: 0.45% Min Deposit: $500.00

18 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 18 Month CD.

APY: 0.55% Min Deposit: $500.00

24 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 24 Month CD.

APY: 0.60% Min Deposit: $500.00

36 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 36 Month CD.

APY: 0.75% Min Deposit: $500.00

48 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 48 Month CD.

APY: 1.00% Min Deposit: $500.00

60 Month CD

The minimum deposit of $500.00 is the initial deposit to open the 60 Month CD.

APY: 1.10% Min Deposit: $500.00

Savings

Manage household expenses or save for a family vacation through a separate MECU Savings account.

APY: 0.10% Min Deposit: $5.00

Holiday Savings

Save for the holiday expenses conveniently with an account designed to help you do just that.

APY: 0.10% Min Deposit: $5.00

Pay All Year Savings

PAY Savings help teachers and other 10-month employees’ budget for the summer months when not receiving a regular paycheck. Funds saved throughout the year are automatically deposited into your MECU Share Savings or Checking account in four payments during the summer months.

APY: 0.10% Min Deposit: $5.00

VISA Secured Savings

Savings account for the purpose of securing the Visa Secured Credit Card. Do not apply for this product if you have not been approved for the Secured Visa Credit Card.

MoneyMarket

Looking for the benefits of a Savings account with the convenience of Checking? Our Regular Money Market account may be best for you.

Max APY: 0.15% Min Deposit: $500.00

Premier Money Market

Higher interest rates with MECU’s Money Market Accounts can help you to earn more money. We are happy to offer some of the best money market rates in Maryland.

Max APY: 0.20% Min Deposit: $50,000.00

CashBack

Earn 3% cash back on debit card purchases and receive ATM fee refunds each monthly cycle. To qualify, enroll in eStatements, make 12 debit card purchases and have direct deposit, or pay bills (using MECU's Bill Pay), or make ACH payments.

Min Deposit: $25.00

Reward

An incredible interest rate! If you make 12 debit card purchases, enroll in eStatements and have direct deposit or pay your monthly bills from your MECU account with Bill Pay each month, you can earn 3.00% APY on your Reward Checking balances up to $10,000 dollars.

Max APY: 3.00% Min Deposit: $25.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.25%	0.25%	$25.00	$25.00	N/A
.	0.35%	0.35%	$500.00	$25.00	N/A
.	0.45%	0.45%	$5,000.00	$25.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	$500.00	N/A
.	0.10%	0.10%	$500.00	$500.00	N/A
.	0.10%	0.10%	$10,000.00	$500.00	N/A
.	0.10%	0.10%	$25,000.00	$500.00	N/A
.	0.15%	0.15%	$50,000.00	$500.00	N/A
.	0.15%	0.15%	$75,000.00	$500.00	N/A
.	0.15%	0.15%	$100,000.00	$500.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.40%	0.40%	$25.00	$25.00	N/A
.	0.50%	0.50%	$500.00	$25.00	N/A
.	0.55%	0.55%	$5,000.00	$25.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.15%	0.15%	$10,000.00	$25.00	N/A
.	3.00%	3.00%	N/A	$25.00	N/A

	Dividend Rate	APY	Minimum Balance	Minimum Deposit	Term (months)
.	0.00%	0.00%	$0.00	$50,000.00	N/A
.	0.10%	0.10%	$500.00	$50,000.00	N/A
.	0.10%	0.10%	$10,000.00	$50,000.00	N/A
.	0.15%	0.15%	$50,000.00	$50,000.00	N/A
.	0.20%	0.20%	$100,000.00	$50,000.00	N/A
.	0.20%	0.20%	$150,000.00	$50,000.00	N/A
.	0.20%	0.20%	$500,000.00	$50,000.00	N/A
.	0.20%	0.20%	$2,500,000.00	$50,000.00	N/A

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As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

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Are you or the joint owner a non-resident alien?*

Are you or any immediate family members exposed to a politically exposed person?
( a PEP is any current or former senior political figure, their immediate family or close associate)*

Do you intend to perform business transactions with this account ?
(i.e. sole proprietor selling products or providing services) *

Anticipated Monthly Cash Deposit / Withdrawal Dollar Amount:*

Anticipated Monthly Incoming / Outgoing Wire Dollar Amount:*

Indicate the purpose for receiving / sending wires:*

Anticipated Monthly Electronic Deposit / Debit Dollar Amount:
( electronic transactions, such as direct payroll, bill payment, monthly recurring payments, etc.)*

Anticipated Monthly Check Deposit / Withdrawal Dollar Amount:*

Anticipated Monthly Electronic Transactions Incoming / Outgoing*

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