Hassel-free banking that works for you

Unlock simplicity and convenience with our Regular Checking account.

Benefits You'll Love

  • Overdraft protection options
  • Digital banking for on-the-go
  • Free Mastercard® debit card
  • No transaction limits

*It is the policy of My Community Credit Union to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards.  A non-sufficient funds (negative) balance may result from: A) The payment of checks, electronic funds transfers, or other withdrawal requests; B) Payments authorized by the member; C) The return, unpaid, of items deposited by the member; D) The imposition of applicable service charges; or E) The deposit of items which according to the Credit Union’s Funds Available Policy, are treated as not yet “available” or finally paid.  My Community Credit Union is not obligated to pay any item presented for payment if member’s account does not contain sufficient available/collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that the account may have, if the eligible account (primarily used for personal and household purposes) has been open for at least ninety (90) days and thereafter the member maintains the account in good standing, which includes at least: A) Members are not in default on any loan obligation to the Credit Union, B) Members bring their account to a positive balance (not overdrawn) for a 24hour period at least once every thirty (30) days, and C) Member’s account is not the subject of any legal or administrative order or levy, we will consider, without obligation on our part, approving member’s reasonable overdrafts. This discretionary *service will be limited to a $500 overdraft (negative) balance for eligible checking accounts. Any and all fees and charges, including without limitation our non-sufficient funds/overdraft fees (per item charge as set forth in our fee schedules) will be included in this limit and will apply to any transaction that overdraws member’s account including, but not limited to, payments authorized by Checks, ACH / Electronic Items, Internet Banking / Online Banking and Telephone Banking Transactions.  My Community Credit Union may refuse to pay an overdraft for members at any time, even though the member’s account is in good standing and even though we may have previously paid overdrafts for the member. Members will be notified by mail of any non-sufficient funds items paid or returned that members may have; however, we have no obligation to notify the member before we pay or return any item. The amount on any overdrafts plus our Non-Sufficient Funds and/or Courtesy Pay (NSF/OD) Charge(s) that members owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Courtesy Pay (NSF) Charge(s). LIMITATIONS: Available only to eligible personal checking accounts primarily used for personal and household purposes. All Business Type Accounts, All Savings Type Accounts, All Money Market Accounts, All Charitable Organization Accounts and Minor Accounts are not eligible. We may limit the number of accounts eligible for Overdraft Privilege Service to one account per household. *The Courtesy Pay Service does not constitute an actual or implied agreement between the member and the Credit Union. Nor does it constitute an actual or implied obligation of or by the Credit Union. This service represents a purely discretionary courtesy or privilege that the Credit Union may provide to the member from time to time and which may be withdrawn or withheld by us at any time without prior notice, reason, or cause. *Opting in to Courtesy Pay alone does not guarantee that your one time debit and ATM transactions will be covered. You must opt in separately for debit and ATM transactions to be covered. Please refer to our Reg E Opt in disclosures. 

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Auto & Motorcycle Loans

Loan Type 36 Month APR 60 Month APR 72 Month APR
New (2024 - 2023) 5.24% 5.74% 5.99%
Used (2024 - 2020) 5.49% 5.99% 6.24%
Used (2019 - 2018) 6.04% 6.29% 7.49%
Used (2017 and older) 7.09% 7.89% N/A

Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.

For motorcycles, add 1.00% to the base auto loan rate.

Payment Example: New auto loan of $20,000 for 60 months at 5.24% APR will have a monthly payment of $380.
Payment Example: New auto loan of $30,000 for 72 months at 5.49% APR will have a monthly payment of $490

Cash Secured Loans

Loan Type APR
Savings Secured Loan 3.30% above pledged shares
Certificate (CD) Secured Loan 2.30% above pledged certificate

CD/Share Certificates

Term Minimum Balance Dividend Rate APY
6 Month
12 Month
15 Month
18 Month
24 Month
36 Month
48 Month
60 Month
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
3.93%
4.07%
4.17%
4.41%
4.07%
3.59%
3.35%
2.96%
4.00%
4.15%
4.25%
4.50%
4.15%
3.65%
3.40%
3.00%
Jumbo Certificates
6 Month
12 Month
15 Month
18 Month
24 Month
36 Month
48 Month
60 Month

$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00

4.02%
4.17%
4.27%
4.51%
4.17%
3.69%
3.45%
3.06%

4.10%
4.25%
4.35%
4.60%
4.25%
3.75%
3.50%
3.10%
Youth Account Certificates
6 Month
12 Month
24 Month

$500.00
$500.00
$500.00

3.93%
4.17%
4.17%

4.00%
4.25%
4.25%

Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.

After your certificate is opened, the dividend rate is fixed for the term.

Certificates may have a penalty imposed for early withdrawal.

Credit Cards

Loan Type APR
MasterCard Rewards Card
$25 Annual Fee, 25 Day Grace Period
As low as 16.99%
MasterCard Platinum Card
No Annual Fee, 25 Day Grace Period
As low as 14.00%
Cash Secured Card
No Annual Fee, 25 Day Grace Period
As low as 14.50%

Deposit Accounts

Account Type Minimum Opening Deposit Minimum Balance to Earn Dividend Rate APY
Prime Checking
$1,000.00

$25.00

$1000.00

0.20%

0.20%

Home Loans

Please contact Ladana Inkman for an interest rate quote: 469-774-2020 or email: [email protected]

IRA Certificates

Term Minimum Balance Dividend Rate APY
6 Month
12 Month
24 Month
36 Month
48 Month
60 Month
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
3.93%
4.07%
4.07%
3.59%
3.35%
2.96%
4.00%
4.15%
4.15%
3.65%
3.40%
3.00%
Jumbo Certificates
6 Month
12 Month
24 Month
36 Month
48 Month
60 Month

$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00

4.02%
4.17%
4.17%
3.69%
3.45%
3.06%

4.10%
4.25%
4.25%
3.75%
3.50%
3.10%

Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.

After your certificate is opened, the dividend rate is fixed for the term.

Certificates may have a penalty imposed for early withdrawal.

Kasasa Cash*

Balance Rate APY
$5 - $25,000 4.89% 5.00%
$25,000+ 0.76% 5.00% to 0.76%
All balances if qualifications not met 0.06% 0.06%

Minimum deposit of $25.00 required to open Kasasa Cash account.

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or ACH payment transaction post and settle
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Enroll and log into online banking

Kasasa Saver*

Balance Rate APY
$5 - $25,000 0.85% 0.85%
$25,000+ 0.75% 0.85% to 0.75%
All balances if qualifications not met 0.06% 0.06%

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or ACH payment transaction post and settle
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Enroll and log into online banking

Personal Loans

Loan Type APR
Unsecured Loans As low as 12.74%

Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.

Recreational Vehicles

Loan Type 36 Month APR 60 Month APR 72 Month APR
New (2024 - 2023) 8.75% 9.25% 10.25%
Used (2024 and older) 10.25% 10.70% 11.00%

Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.

Savings Accounts

Account Type Minimum Opening Deposit Minimum Balance to Earn Dividend Rate APY
Savings Account
$5.00-24,999.99
$25,000 & over

$5.00
$5.00

$5.00
$5.00

0.10%
0.10%

0.10%
0.10%
Christmas Club
$5.00-24,999.99
$25,000 & over

$5.00
$5.00

-
-

0.50%
0.50%

0.50%
0.50%
IRA Savings
$5.00-24,999.99
$25,000 & over

-
-

-
-

0.10%
0.10%

0.10%
0.10%
Money Market
$2,500-24,999.99
$25,000 & over

$2,500.00
$2,500.00

$2,500.00
$25,000.00

0.15%
0.20%

0.15%
0.20%

Dividends will be compounded and will be credited monthly. Average Daily Balance.