Take Advantage Of Your Home s Equity

APR = Interest Rate.


2Federally insured by the National Cooperative Credit Union Administration. Equal housing loan provider.


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


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


Savings Accounts


10APY = Annual Percentage Yield. Rates are variable and might change anytime after the account opening. Fees might lower profits, and other conditions may apply.


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


Certificates


20Federal Regulations need a considerable penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Fees could lower profits 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 earn the base rate of interest in effect at that time.


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


Share Certificate APY presumes dividends are maintained in the Certificate; there may be a charge for early withdrawal. Other terms and conditions apply. Rates are accurate since the existing date. Rates go through alter without notice. Please speak with a Representative for complete cost savings info.


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


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


23Dividend Rate, APY, and earnings might vary for Traditional and Roth accounts.


Checking Accounts


30There is no minimum balance to open a Checking Account with MIT Federal Credit Union. You need to keep the Minimum Daily Balance as indicated to make dividends on either Plus Checking or Select Checking. No dividend will be paid on days when the balance falls listed below the needed minimum. No dividends are paid on the Basic Checking account. Fees: Plus Checking - $5.00 month-to-month charge if the daily balance falls below $2,500 at any point in the month. The fee will be withdrawn from your checking account. Select Checking - $8.00 regular monthly cost if the daily balance falls below $10,000 at any point during the month. The charge will be withdrawn from your account. These rates undergo change and may change after account opening. Maintenance charges may take place if below minimum limit. Fees might lower revenues on the account.


31Express Payday - Preauthorized ACH credits received by MIT Federal Credit Union might be credited to your account as much as two business days before the originally arranged publishing date. If details is not gotten beforehand, your deposit will not be published early. Instead, your direct deposit will be published on your normal payday or as quickly as we get it. MIT Federal Credit Union is only 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 against straight deposited funds. You are responsible for any overdraft fees 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 bonus will be credited to Basic Checking account within 90 days of account opening. Fees may lower revenues on the account. This offer might be withdrawn at any time and is readily available to brand-new members with discount code. All members are needed to establish a Savings Account with $5 opening deposit to preserve membership status.


Money Market


40Rate differs by account balance.


Home Equity


50With the exception of Texas.


51Based on your home's appraised value and 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 home and take first, second or, in specific cases 3rd, lien position on the residential or commercial property. Home Equity applications need earnings confirmation, real estate tax bill, residential or commercial property deed, residential or commercial property appraisal/valuation, and mortgage or home equity declaration, if appropriate. MIT FCU will pay all closing expenses ought to applicant borrow $15,000.00 or more and the loan is not repaid within the first 24 months. If the loan is repaid within the first 24 months, then the repayment of closing costs would use. MIT FCU does not finance residential or commercial property in a trust or an investment residential or commercial property, or deal home equities in Texas.


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


53Must reveal purchase, based on approval.


Personal Loans


60Rate disclosed is based upon a highly certified credit prospect. Rates may vary based upon specific creditworthiness. Rates go through 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% ANNUAL PERCENTAGE RATE decrease. Any boost 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 offer will never ever expire. However, the promotion might end at anytime and without notice.


Auto Lending


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


71Rate revealed is based upon a highly qualified credit prospect. Rates might differ based on private credit reliability. Rates are subject to change without notice.