Tap Into Your Home's Equity

APR = Annual Percentage Rate.


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


3Apple Watch and Apple Pay are registered trademarks 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 might apply. Check with your provider for information.


Savings Accounts


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


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


Certificates


20Federal Regulations require a significant penalty on funds withdrawn prior to maturity for all Share Certificate accounts. Fees might reduce 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 interest rate in effect at that time.


Consult your tax adviser to help with choosing which account is best for you. The road to a more secure monetary future starts with saving techniques using MIT Federal Cooperative credit union's IRAs and Share Certificates.


Share Certificate APY assumes dividends are maintained in the Certificate; there might be a penalty for early withdrawal. Other terms and conditions use. Rates are accurate as of the present date. Rates undergo change without notice. Please speak with an Agent for complete cost savings details.


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


22"New Money" is considered funds not currently 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 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 below the needed minimum. No dividends are paid on the Basic Bank account. Fees: Plus Checking - $5.00 monthly cost if the daily balance falls below $2,500 at any point in the month. The cost will be withdrawn from your bank account. Select Checking - $8.00 month-to-month fee if the day-to-day balance falls below $10,000 at any point during the month. The fee will be withdrawn from your account. These rates go through change and may alter after account opening. Maintenance fees may take place if below minimum limit. Fees could minimize profits on the account.


31Express Payday - Preauthorized ACH credits gotten by MIT Federal Credit Union might be credited to your account approximately two service days before the originally set up posting date. If info is not gotten in advance, your deposit will not be published early. Instead, your direct deposit will be posted on your typical payday or as quickly as we get it. MIT Federal Credit Union is only accountable if we get the preauthorized credit or deposit these funds to your account early. Please always confirm funds are offered in your account before writing checks or authorizing withdrawals versus directly transferred funds. You are responsible for any overdraft fees from deals clearing before your payroll deposit.


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


Money Market


40Rate differs by account balance.


Home Equity


50With the exception of Texas.


51Based on your home's appraised value and integrating all liens on the home consisting of the proposed HELOC/HEL (minimum $5,000, maximum of $400,000.00). All MIT FCU Home Equity Loans and Lines of Credit are protected versus the member's home and take first, 2nd or, in particular cases 3rd, lien position on the residential or commercial property. Home Equity applications require earnings confirmation, property tax costs, residential or commercial property deed, residential or commercial property appraisal/valuation, and mortgage or home equity declaration, if applicable. MIT FCU will pay all closing costs ought to candidate borrow $15,000.00 or more and the loan is not paid back within the first 24 months. If the loan is repaid within the first 24 months, then the reimbursement of closing costs would apply. 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 reduce the balance of your loan. Any quantity paid above the minimum payment will reduce the balance.


53Must reveal purchase, subject to approval.


Personal Loans


60Rate disclosed is based upon an extremely qualified credit prospect. Rates may differ based upon specific credit reliability. Rates go through change without notification.


61Automatic loan payments certifies you for a 0.25% APR decrease, 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 reduction. Any boost in the ANNUAL PERCENTAGE 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 end. However, the promotion may end at anytime and without notification.


Auto Lending


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


71Rate divulged is based upon an extremely certified credit candidate. Rates may differ based upon . Rates undergo change without notice.