Regular Savings
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$5 minimum opening balance establishes your membership in MCT
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Minimum to earn dividends is $100 ($5 if under age 18)
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Dividends are compounded and paid monthly
Rates Calculators Open account at a branch
Custodial Account
- Open for a minor under the age of 18 with as little as $5
- Limited to one minor, one custodian, and one successor. Only the custodian can make deposits and withdrawals. Minor can’t access the account until they are 18 years old.
- Earn dividends on balances of $5
- For greater savings, open a certificate under the custodial account (consult a tax advisor)
- Dividends compounded and paid monthly
Rates Calculators Open account at a branch
Money Market Accounts
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Regular Money Market—earn dividends with a minimum opening balance of $2,500
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High-Yield Money Market—earn dividends with a minimum opening balance of $25,000
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Access your money up to three times per month
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Dividends are compounded and paid monthly
Rates Calculators Open account at a branch
Club Savings Accounts
| Vacation Club | Holiday Club | |
| Minimum balance | $0 | $0 |
| Disbursal date | Quarterly at your request | November 1st of each year |
| Penalty-free withdrawals* | One per quarter | N/A |
| Dividends | compounded and paid monthly | compounded and paid monthly |
| Savings method | Payroll allocation or auto transfer | Payroll allocation or auto transfer |
Rates Calculators Open account at a branch
Other accounts and services to help you save
Security for Peace of Mind
All MCT accounts are insured up to $250,000 by the National Credit Uinon Administration (NCUA), an agency of the Federal Government. For more information on how your accounts are insured, click here.
