APR = Annual Percentage Rate.

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

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

4MIT FCU does not charge for this service, but messaging and data rates may use. Talk to your provider for information.

Savings Accounts

10APY = Annual Percentage Yield. Rates vary and might alter anytime after the account opening. Fees might minimize incomes, and other conditions may apply.

11A cost savings account needs a $5.00 minimum balance to open and must stay on deposit to keep subscription status.

Certificates

20Federal Regulations require a substantial charge on funds withdrawn prior to maturity for all Share Certificate accounts. Fees might decrease incomes 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 impact at that time.

Consult your tax advisor to assist with deciding which account is best for you. The roadway to a more secure financial future begins with conserving strategies using MIT Federal Credit Union's IRAs and Share Certificates.

Share Certificate APY presumes dividends are kept in the Certificate; there might be a penalty for early withdrawal. Other terms apply. Rates are accurate since the current date. Rates are subject to change without notification. Please speak with an Agent for complete savings info.

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

22"New Money" is considered funds not currently on deposit at MIT Federal Cooperative Credit Union.

23Dividend Rate, APY, and profits may vary for Traditional and Roth accounts.

Checking Accounts

30There is no minimum balance to open a Bank account with MIT Federal Cooperative Credit Union. You should preserve 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 regular monthly charge if the everyday balance falls below $2,500 at any point in the month. The cost will be withdrawn from your monitoring account. Select Checking - $8.00 regular monthly cost if the everyday balance falls listed below $10,000 at any point throughout the month. The charge will be withdrawn from your account. These rates are subject to change and may change after account opening. Maintenance fees may take place if below minimum threshold. Fees could lower profits on the account.

31Express Payday - Preauthorized ACH credits gotten by MIT Federal Credit Union may be credited to your account as much as two service days before the originally arranged posting date. If info is not received ahead of time, your deposit will not be published early. Instead, your direct deposit will be published on your regular payday or as quickly as we receive it. MIT Federal Cooperative Credit Union is only liable if we receive the preauthorized credit or deposit these funds to your account early. Please always confirm funds are offered in your account before composing checks or authorizing withdrawals versus directly deposited funds. You are accountable for any overdraft charges from deals clearing before your payroll deposit.

32Open Basic Checking by Oct. 31, 2025 to earn a $30 bonus offer. Basic Checking does not need an opening deposit and does not make dividends. The bonus will be credited to Basic Checking account within 90 days of account opening. Fees may lower incomes 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 establish a Savings Account with $5 opening deposit to keep subscription status.

Money Market

40Rate differs by account balance.

Home Equity

50With the exception of Texas.

51Based on your home's evaluated value and combining all liens on the home consisting of the proposed HELOC/HEL (minimum $5,000, optimum of $400,000.00). All MIT FCU Home Equity Loans and Lines of Credit are secured against the member's house and take first, second or, in specific cases 3rd, lien position on the residential or commercial property. Home Equity applications require earnings verification, real estate tax expense, residential or commercial property deed, residential or commercial property appraisal/valuation, and mortgage or home equity statement, if applicable. MIT FCU will pay all closing costs ought to applicant obtain $15,000.00 or more and the loan is not paid back within the very first 24 months. If the loan is repaid within the first 24 months, then the reimbursement of closing expenses would use. MIT FCU does not finance residential or commercial property in a trust or a financial investment residential or commercial property, or offer home equities in Texas.

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

53Must disclose purchase, subject to approval.

Personal Loans

60Rate divulged is based on an extremely certified credit candidate. Rates might vary based upon specific credit reliability. Rates are subject to alter 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 a yearly PERCENTAGE RATE decrease of 0.25%. MIT FCU does not charge for the autopay service. Discontinuing autopay will lead to the loss of promotional 0.25% ANNUAL PERCENTAGE RATE reduction. Any increase in the ANNUAL PERCENTAGE RATE will lead to an increase of staying 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 promo might end at anytime and without notification.

Auto Lending

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

71Rate revealed is based on a highly certified credit candidate. Rates may differ based upon individual creditworthiness. Rates are subject to change without notice.