APR = Interest Rate.

2Federally guaranteed by the National Cooperative Credit Union Administration. Equal housing lending institution.

3Apple Watch and Apple Pay are signed up trademarks of Apple Inc. Google Pay is a trademark of Google Inc. Samsung Pay is a registered hallmark of Samsung Electronics Co., Ltd.

4MIT FCU does not charge for this service, however messaging and information rates may use. Consult your carrier for information.

Savings Accounts

10APY = Annual Percentage Yield. Rates vary and may change anytime after the account opening. Fees may reduce earnings, and other might apply.

11A savings account needs a $5.00 minimum balance to open and need to remain on deposit to keep subscription status.

Certificates

20Federal Regulations need a substantial penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Fees might minimize earnings on the account. Please see MIT FCU's Truth in Savings for Certificates of Deposit. If the Share Certificate is rolled over upon maturity, it will make the base rate of interest in effect at that time.

Consult your tax adviser to help with choosing which account is right for you. The road to a more protected financial future begins with saving techniques utilizing MIT Federal Credit Union's IRAs and Share Certificates.

Share Certificate APY assumes dividends are retained in the Certificate; there may be a penalty for early withdrawal. Other terms use. Rates are accurate since the current date. Rates go through alter without notice. Please consult a Representative for total savings info.

21Must maintain a minimum everyday balance of $500.00 (for Regular share certificate types) in your account every day to acquire the divulged APY.

22"New Money" is thought about funds not presently on deposit at MIT Federal Cooperative Credit Union.

23Dividend Rate, APY, and profits might differ for Traditional and Roth accounts.

Checking Accounts

30There is no minimum balance to open a Bank account with MIT Federal Cooperative Credit Union. You must maintain the Minimum Daily Balance as suggested to earn dividends on either Plus Checking or Select Checking. No dividend will be paid on days when the balance falls listed below the required minimum. No dividends are paid on the Basic Checking account. Fees: Plus Checking - $5.00 month-to-month fee if the daily balance falls listed below $2,500 at any point in the month. The charge will be withdrawn from your bank account. Select Checking - $8.00 month-to-month charge if the everyday balance falls below $10,000 at any point throughout the month. The cost will be withdrawn from your account. These rates are subject to change and might change after account opening. Maintenance charges might occur if below minimum threshold. Fees might lower revenues on the account.

31Express Payday - Preauthorized ACH credits received by MIT Federal Credit Union might be credited to your account approximately two service days before the originally set up publishing date. If information is not gotten in advance, your deposit will not be posted early. Instead, your direct deposit will be published on your regular payday or as soon as we get it. MIT Federal Credit Union is just responsible if we get the preauthorized credit or deposit these funds to your account early. Please constantly confirm funds are available in your account before composing checks or authorizing withdrawals versus directly transferred funds. You are accountable for any overdraft charges from transactions clearing before your payroll deposit.

32Open Basic Checking by Oct. 31, 2025 to earn a $30 perk. Basic Checking does not require an opening deposit and does not make dividends. The perk will be credited to Basic Bank account within 90 days of account opening. Fees might lower revenues on the account. This offer might be withdrawn at any time and is offered to brand-new members with promo code. All members are required to develop a Savings Account with $5 opening deposit to preserve subscription status.

Money Market

40Rate varies by account balance.

Home Equity

50With the exception of Texas.

51Based on your home's evaluated worth and combining all liens on the home including the proposed HELOC/HEL (minimum $5,000, optimum of $400,000.00). All MIT FCU Home Equity Loans and Lines of Credit are protected versus the member's house and take 1st, second or, in certain cases 3rd, lien position on the residential or commercial property. Home Equity applications need income confirmation, property tax bill, residential or commercial property deed, residential or commercial property appraisal/valuation, and mortgage or home equity statement, if appropriate. MIT FCU will pay all closing costs ought to candidate borrow $15,000.00 or more and the loan is not repaid within the first 24 months. If the loan is paid back within the very first 24 months, then the reimbursement of closing costs would use. MIT FCU does not finance residential or commercial property in a trust or a financial investment residential or commercial property, or deal home equities in Texas.

52The minimum payment will not reduce the balance of your loan. Any quantity paid above the minimum payment will minimize the balance.

53Must divulge purchase, subject to approval.

Personal Loans

60Rate disclosed is based on a highly qualified credit candidate. Rates may differ based on individual creditworthiness. Rates are subject to change without notice.

61Automatic loan payments certifies you for a 0.25% APR reduction, with the exception of the Tuition Assistance Loan. All Personal, Student, Auto, Motorcycle, Trailer, Boat, and RV loans are eligible for an interest rate reduction of 0.25%. MIT FCU does not charge for the autopay service. Discontinuing autopay will lead to the loss of advertising 0.25% INTEREST RATE reduction. Any boost in the interest rate will lead to a boost of remaining payments. For example, if Your loan was for $10,000 at 6.4% for 5 years, and the rate increased by 0.25% after 12 months, Your payment would increase by $0.95. For the life of the loan this deal will never ever end. However, the promotion may end at anytime and without notification.

Auto Lending

70A brand-new car is defined as a current or previous year's design with 8,000 miles or less.

71Rate revealed is based upon an extremely qualified credit candidate. Rates may vary based on private credit reliability. Rates go through alter without notice.