Credit union · NCUA insured
MC Federal Credit Union CD Rates
MC Federal Credit Union’s best CD rate is 3.90% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How MC Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Sunbury, PA, where MC Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MC Federal Credit Union
3.80%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $380
Regular Share Certificates
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
First Keystone Community Bank
4.25%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $644
MC Federal Credit Union CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo2.60%
- QualifiedQualified3.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where MC Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificates
Up to 3.90%APY · 8 terms
MC Federal Credit Union membership is required. Early withdrawal will incur a penalty. Fees may reduce earnings. Joint owners may be added. Special Relationship qualification adds 0.10% APY for Members Advantage (Primary Member aged 60+), Loyalty (Checking with debit card and direct deposit), or Premium ($50,000+ existing deposits).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGeneral Membership | 3.50% | — |
| 6 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.60% | — |
| 12 monthsGeneral Membership | 3.80% | — |
| 12 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.90% | — |
| 15 monthsGeneral Membership | 3.80% | — |
| 15 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.90% | — |
| 18 monthsGeneral Membership | 3.10% | — |
| 18 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.20% | — |
| 24 monthsGeneral Membership | 2.85% | — |
| 24 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.95% | — |
| 36 monthsGeneral Membership | 2.60% | — |
| 36 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.70% | — |
| 48 monthsGeneral Membership | 2.35% | — |
| 48 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.45% | — |
| 60 monthsGeneral Membership | 2.10% | — |
| 60 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.20% | — |
Sources (1)
- mcfcu.org/personal/certificates · captured Sep 17, 2026
Regular Share Certificates
Up to 3.80%APY · 8 terms
MC Federal Credit Union membership is required. Early withdrawal will incur a penalty. Fees may reduce earnings. Joint owners may be added. Special Relationship qualification adds 0.10% APY for Members Advantage (Primary Member aged 60+), Loyalty (Checking with debit card and direct deposit), or Premium ($50,000+ existing deposits).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGeneral Membership | 3.40% | $169 |
| 6 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.50% | $173 |
| 12 monthsGeneral Membership | 3.70% | $370 |
| 12 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.80% | $380 |
| 15 monthsGeneral Membership | 3.70% | $465 |
| 15 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.80% | $477 |
| 18 monthsGeneral Membership | 3.00% | $453 |
| 18 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.10% | $469 |
| 24 monthsGeneral Membership | 2.75% | $558 |
| 24 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.85% | $578 |
| 36 monthsGeneral Membership | 2.50% | $769 |
| 36 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.60% | $800 |
| 48 monthsGeneral Membership | 2.25% | $931 |
| 48 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.35% | $974 |
| 60 monthsGeneral Membership | 2.00% | $1,041 |
| 60 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.10% | $1,095 |
Sources (1)
- mcfcu.org/personal/certificates · captured Sep 17, 2026
Special-purpose accounts
Jumbo HSA Certificates
Up to 3.90%APY · 8 terms
MC Federal Credit Union membership is required. Early withdrawal will incur a penalty. Fees may reduce earnings. Special Relationship qualification adds 0.10% APY for Members Advantage (Primary Member aged 60+), Loyalty (Checking with debit card and direct deposit), or Premium ($50,000+ existing deposits).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGeneral Membership | 3.50% | — |
| 6 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.60% | — |
| 12 monthsGeneral Membership | 3.80% | — |
| 12 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.90% | — |
| 15 monthsGeneral Membership | 3.80% | — |
| 15 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.90% | — |
| 18 monthsGeneral Membership | 3.10% | — |
| 18 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.20% | — |
| 24 monthsGeneral Membership | 2.85% | — |
| 24 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.95% | — |
| 36 monthsGeneral Membership | 2.60% | — |
| 36 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.70% | — |
| 48 monthsGeneral Membership | 2.35% | — |
| 48 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.45% | — |
| 60 monthsGeneral Membership | 2.10% | — |
| 60 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.20% | — |
Sources (1)
- mcfcu.org/personal/hsa · captured Sep 17, 2026
Jumbo IRA Certificates
Up to 3.90%APY · 8 terms
Available for Traditional, Roth, and Coverdell IRAs. MC Federal Credit Union membership is required. Early withdrawal will incur a penalty. Fees may reduce earnings. Special Relationship qualification adds 0.10% APY for Members Advantage (Primary Member aged 60+), Loyalty (Checking with debit card and direct deposit), or Premium ($50,000+ existing deposits).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGeneral Membership | 3.50% | — |
| 6 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.60% | — |
| 12 monthsGeneral Membership | 3.80% | — |
| 12 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.90% | — |
| 15 monthsGeneral Membership | 3.80% | — |
| 15 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.90% | — |
| 18 monthsGeneral Membership | 3.10% | — |
| 18 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.20% | — |
| 24 monthsGeneral Membership | 2.85% | — |
| 24 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.95% | — |
| 36 monthsGeneral Membership | 2.60% | — |
| 36 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.70% | — |
| 48 monthsGeneral Membership | 2.35% | — |
| 48 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.45% | — |
| 60 monthsGeneral Membership | 2.10% | — |
| 60 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.20% | — |
Sources (1)
- mcfcu.org/personal/ira · captured Sep 17, 2026
HSA Certificates
Up to 3.80%APY · 8 terms
MC Federal Credit Union membership is required. Early withdrawal will incur a penalty. Fees may reduce earnings. Special Relationship qualification adds 0.10% APY for Members Advantage (Primary Member aged 60+), Loyalty (Checking with debit card and direct deposit), or Premium ($50,000+ existing deposits).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGeneral Membership | 3.40% | $169 |
| 6 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.50% | $173 |
| 12 monthsGeneral Membership | 3.70% | $370 |
| 12 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.80% | $380 |
| 15 monthsGeneral Membership | 3.70% | $465 |
| 15 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.80% | $477 |
| 18 monthsGeneral Membership | 3.00% | $453 |
| 18 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.10% | $469 |
| 24 monthsGeneral Membership | 2.75% | $558 |
| 24 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.85% | $578 |
| 36 monthsGeneral Membership | 2.50% | $769 |
| 36 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.60% | $800 |
| 48 monthsGeneral Membership | 2.25% | $931 |
| 48 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.35% | $974 |
| 60 monthsGeneral Membership | 2.00% | $1,041 |
| 60 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.10% | $1,095 |
Sources (1)
- mcfcu.org/personal/hsa · captured Sep 17, 2026
IRA Certificates
Up to 3.80%APY · 8 terms
Available for Traditional, Roth, and Coverdell IRAs. MC Federal Credit Union membership is required. Early withdrawal will incur a penalty. Fees may reduce earnings. Special Relationship qualification adds 0.10% APY for Members Advantage (Primary Member aged 60+), Loyalty (Checking with debit card and direct deposit), or Premium ($50,000+ existing deposits).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsGeneral Membership | 3.40% | $169 |
| 6 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.50% | $173 |
| 12 monthsGeneral Membership | 3.70% | $370 |
| 12 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.80% | $380 |
| 15 monthsGeneral Membership | 3.70% | $465 |
| 15 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.80% | $477 |
| 18 monthsGeneral Membership | 3.00% | $453 |
| 18 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 3.10% | $469 |
| 24 monthsGeneral Membership | 2.75% | $558 |
| 24 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.85% | $578 |
| 36 monthsGeneral Membership | 2.50% | $769 |
| 36 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.60% | $800 |
| 48 monthsGeneral Membership | 2.25% | $931 |
| 48 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.35% | $974 |
| 60 monthsGeneral Membership | 2.00% | $1,041 |
| 60 monthsSpecial Relationship: Members Advantage (age 60+), Loyalty (checking + debit card + direct deposit), or Premium ($50k+ existing deposits) | 2.10% | $1,095 |
Sources (1)
- mcfcu.org/personal/ira · captured Sep 17, 2026
Who can join MC Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.