Start saving today
with MACU savings accounts

At MACU, we’re dedicated to the financial success of our members, and that’s why we offer numerous savings account options for children ages 12 and under to retirement savings for seniors. Whether you’re saving for college, a new home or retirement, we’re here to help you on your path to success.

With a basic MACU savings account, you’ll enjoy:

  • Direct deposit
  • No monthly service charges
  • Unlimited withdrawals and deposits
  • NCUA insurance protection (Your account is covered up to the maximum amount allowed by law, which is currently $250,000 for each depositor for all combined deposits.)
  • ESI insured for an additional $250,000
Click to Apply
Advantage Savings

This savings account is a fixed-rate, premium savings account for MACU members.

  • Unlimited deposits and up to three withdrawals or transfers per month
  • Dividends paid monthly
  • Direct deposit
  • No monthly service charges
  • NCUA insurance protection
  • ESI insurance protection
Christmas Club

This special interest-bearing savings account is designed to help members save for the holiday season without dipping into a main savings account.

  • Dividends paid quarterly
  • Direct deposit
  • Automatic deposits on the schedule you define
  • NCUA insurance protection
  • ESI insurance protection
  • Any funds remaining after 11/1 will be automatically transferred into the pre-designated account
Penny Panda Savers Club

The Penny Panda Savings account is a special savings account designed for children 12 and under.

  • Minimum deposit of $50
  • Dividends paid monthly
  • Direct deposit
  • VIP access to special Penny Panda events and money-saving tips
  • 24/7 access via Online Banking
Certificates of Deposit

MACU CDs are an excellent money management tool that helps you save money by earning a guaranteed fixed interest rate for a certain amount of money you set aside during a specific period of time. Click here to learn more.

Individual Retirement Account

With a MACU IRA, you can plan ahead and take control of your retirement with a savings plan tailored to you.

  • Minimum deposit of $100
  • Dividends paid monthly
  • NCUA insurance protection up to $250,000
  • ESI insurance protection for an additional $250,000
  • 24/7 access via Online Banking
Max Money Market

MACU Max Money Market accounts are a high-balance money market account that gives you a rate of interest similar to a CD but with the flexibility of a money market account.

  • Minimum balance of $25,000 in the account required
  • Active separate checking account required
  • Full liquidity
  • No hidden fees
Click here to learn more about Money Market accounts.

Current MACU offers

Apply Online

Applying for a MACU loan or credit card has never been easier! To open an account, take advantage of MACU's low-interest loans, or open a low-interest MACU Visa, simply click here to apply! 

Special Offer for MACU Visa Card Holders

For a limited time, when you transfer a credit card balance to your MACU Visa card, you’ll get a 4.99% APR for 18 months* and no transfer fee on balance transfers of $250 or more!

Get a low-rate car loan with MACU!

It's prime car-buying season! With car rates as low as 1.99% APR*, MACU offers some of the lowest rates in the region! Get yourself in that new car or truck you've been dreaming about! 

Great Rates

Auto Loan
Rates as low as 1.99% APR*
Home Equity Line of Credit
Rates as low as 3.99% APR for 24 months***
Advantage Loans
Rates beginning as low as 6.50% APR*
6 Mo. Certificate
1.258% A.P.Y.
12 Mo. Certificate
1.765% A.P.Y.
18 Mo. Certificate
2.45% A.P.Y.
24 Mo. Certificate
2.122% A.P.Y.
Max Money Market
$25,000 - $49,999 - 0.864% A.P.Y. | $50,000+ - 0.914% A.P.Y.
Advantage Savings
$5,000 - $9,999 - 0.592% A.P.Y. | $10,000 - $24,999 - 0.612% A.P.Y. | $25,000 - $49,999 - 0.642% A.P.Y. | $50,000+ - 0.642% A.P.Y.
Visa Platinum
Rates beginning as low as 10.50% A.P.R.*** and 1.99% A.P.R. on all balance transfers!**
RVs, Boats, and Motorcycles
Rates beginning as low as 5.99% A.P.R.*