Rates

Call 877-224-9009 to set up a personal in-branch appointment.

Certificate Special¹
Term	Minimum Balance to Earn Dividends	Nominal Dividend Rate	APY²
¹ APY shown accurate as of 10/1/25 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees. ²APY = Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Term 6-month	Minimum Balance to Earn Dividends $5,000	Nominal Dividend Rate 4.04%	APY² 4.10%
Term 13-month	Minimum Balance to Earn Dividends $5,000	Nominal Dividend Rate 3.45%	APY² 3.50%

IRA Certificate Special³
Term	Minimum Balance to Earn Dividends	Nominal Dividend Rate	APY⁴
³APY shown accurate as of 9/23/24 and available for a limited time. Penalty for early withdrawal. Fees could reduce the earnings on the account for maintenance and activity fees. ⁴APY = Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Term 13-month	Minimum Balance to Earn Dividends $5,000	Nominal Dividend Rate 3.45%	APY⁴ 3.50%

Money Market Special⁵
Term	Minimum Balance to Earn Dividends	Nominal Dividend Rate	APY⁶
⁵APY shown is accurate as of 10/1/25. Minimum opening deposit $10,000. Promotional rate effective for 10 months from opening date of new Money Market account. Rate may change after account is opened. Please see your Truth in Savings schedule for rate information after the 10-month introductory period. Fees could reduce the earnings on the account for maintenance and activity fees. ⁶APY = Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Term 10-month	Minimum Balance to Earn Dividends $10,000	Nominal Dividend Rate 2.72%	APY⁶ 2.75%

Savings Account¹
Minimum Opening Deposit	Minimum Balance for APY	Dividend Rate	APY²
¹Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. Your account is nontransferable and non negotiable. ²APY = Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Minimum Opening Deposit $5	Minimum Balance for APY $5	Dividend Rate 0.10%	APY² 0.10%

OPEN AN ACCOUNT

Money Market³
Minimum Balance to Earn Dividends	Tier	Dividend Rate	APY⁴
³Minimum opening deposit $0.00. Minimum balance to avoid a service fee $0.00. Dividend compounding and crediting Daily/Monthly. Fees could reduce the earnings on the account for maintenance and activity fees. ⁴APY = Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Minimum Balance to Earn Dividends $2,000	Tier $2,000-$10,000	Dividend Rate 0.25%	APY⁴ 0.25%
Minimum Balance to Earn Dividends $2,000	Tier $10,001-$50,000	Dividend Rate 0.50%	APY⁴ 0.50%
Minimum Balance to Earn Dividends $2,000	Tier $50,001-$100,000	Dividend Rate 1.00%	APY⁴ 1.00%
Minimum Balance to Earn Dividends $2,000	Tier $100,001-$250,000	Dividend Rate 1.24%	APY⁴ 1.25%
Minimum Balance to Earn Dividends $2,000	Tier $250,001 and over	Dividend Rate 1.98%	APY⁴ 2.00%

OPEN AN ACCOUNT

Certificates⁵
Term	Minimum Balance to Earn Dividends	Nominal Dividend Rate	APY⁶
⁵Penalty may be imposed for early withdrawal and subject to account closure. ⁶APY = Annual percentage yield. APY is current as of 10/01/2025. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Term 3-month	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 0.50%	APY⁶ 0.50%
Term 6-month	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 1.00%	APY⁶ 1.00%
Term 12-month	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 1.39%	APY⁶ 1.40%
Term 18-month	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 1.39%	APY⁶ 1.40%
Term 24-month	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 1.74%	APY⁶ 1.75%
Term 36-month	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 2.03%	APY⁶ 2.05%
Term 48-month	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 2.03%	APY⁶ 2.05%
Term 60-month	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 2.18%	APY⁶ 2.20%

OPEN AN ACCOUNT

Jumbo Certificates⁷
Term	Minimum Balance to Earn Dividends	Nominal Dividend Rate	APY⁸
⁷Penalty may be imposed for early withdrawal and subject to account closure. ⁸APY = Annual percentage yield. APY is current as of 10/01/2025. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Term 3-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 0.55%	APY⁸ 0.55%
Term 6-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 1.05%	APY⁸ 1.05%
Term 12-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 1.44%	APY⁸ 1.45%
Term 18-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 1.44%	APY⁸ 1.45%
Term 24-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 1.79%	APY⁸ 1.80%
Term 36-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 2.08%	APY⁸ 2.10%
Term 48-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 2.08%	APY⁸ 2.10%
Term 60-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 2.23%	APY⁸ 2.25%

OPEN AN ACCOUNT

Auto Loans – New vehicles only¹
Term	APR (AS LOW AS)²	Rate (as low as)
¹New, never before titled vehicle. Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $773.31. ²APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
Term 60 months or less	APR (AS LOW AS)² 6.09%	Rate (as low as) 5.99%

Auto Loans – 6 years old or older³
Term	APR (AS LOW AS)⁴	Rate (as low as)
³Used vehicle 6 years or older. Rate based on $40,000 loan amount for 48 months, 100% loan to value (LTV), with a monthly payment of $948.59. ⁴APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
Term 48 Months or less	APR (AS LOW AS)⁴ 6.66%	Rate (as low as) 6.49%

Unsecured Loan⁵
Term	APR (AS LOW AS)⁶	Rate (as low as)
⁵Rate based on $5,000 loan amount for 60 months with a monthly payment of $110.59. ⁶APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
Term 60 Months or less	APR (AS LOW AS)⁶ 12.61%	Rate (as low as) 11.73%

Prime 1st Mortgage⁷
Term	APR (as low as)⁸	Rate (as low as)
⁷Rate based on $100,000 loan amount for 84 months, 80% loan-to-value (LTV), first lien, owner occupied, for borrowers with credit scores of 700 and higher, with a monthly payment of $1,427.29. ⁸APR=Annual Percentage Rate. Individual rates and terms may vary based on credit history, debt-to-income, down payment, loan-to-value, and property type. All rates, terms and conditions are subject to change without notice. Some restrictions may apply. Finance and other charges may apply. Closing costs, including appraisal and title insurance may vary by state. The charge for an appraisal is typically $500-$650; the charge for title insurance is typically $800-$1,200; the origination charge payable to Marine Credit Union is $995.The rate is fixed for the life of the loan. The payments listed do not include amounts for taxes and insurance, and, if included, the actual payment obligation will be greater because of these additional amounts. Marine Credit Union Nationwide Mortgage Licensing System (NMLS) Unique Identifier #472385. Membership required.
Term 84 Months or less	APR (as low as)⁸ 5.83%	Rate (as low as) 5.30%

Individual Retirement Account Savings¹
Minimum Opening Deposit	Minimum Balance to Earn Dividends	Dividend Rate	APY²
¹Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. ²APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Minimum Opening Deposit $0	Minimum Balance to Earn Dividends N/A	Dividend Rate 0.25%	APY² 0.25%

Individual Retirement Account Certificates³
Type	Minimum Balance to Earn Dividends	Nominal Dividend Rate	APY⁴
³Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. ⁴APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Type 12-month IRA	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 1.49%	APY⁴ 1.50%
Type 18-month IRA	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 1.49%	APY⁴ 1.50%
Type 24-month IRA	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 1.84%	APY⁴ 1.85%
Type 36-month IRA	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 2.13%	APY⁴ 2.15%
Type 48-month IRA	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 2.13%	APY⁴ 2.15%
Type 60-month IRA	Minimum Balance to Earn Dividends $1,000	Nominal Dividend Rate 2.28%	APY⁴ 2.30%

Jumbo Individual Retirement Account Certificates⁵
Type	Minimum Balance to Earn Dividends	Nominal Dividend Rate	APY⁶
⁵Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. ⁶APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
Type 12-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 1.54%	APY⁶ 1.55%
Type 18-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 1.54%	APY⁶ 1.55%
Type 24-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 1.89%	APY⁶ 1.90%
Type 36-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 2.18%	APY⁶ 2.20%
Type 48-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 2.18%	APY⁶ 2.20%
Type 60-month	Minimum Balance to Earn Dividends $100,000	Nominal Dividend Rate 2.33%	APY⁶ 2.35%