Deposit Rates

MetroWest Community Federal Credit Union is committed to helping individuals in our communities, manage their financial needs by offering a wide range of affordable savings and loan products.

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Deposit Rates

Account Type

Min Dividend Balances

Annual Percentage Rate

APY=Average Percentage Yield

Checking

Drafts/Checking

$1000.00

0.10%

0.10%

All share account dividends are earned on the average daily balance (unless otherwise noted) and are posted and compounded monthly. All share account rates are Variable Rates (unless otherwise noted). Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change monthly. Not responsible for typographical errors or omissions. (Free Checking with eStatements)

Checking/Service Charge fee Schedule

Overdrafts Transfer

$10.00

Bill Payer Overdraft

$30.00

Overdraft Returned Unpaid

$30.00

Stop Payment

$20.00

Returned Deposit Items

$30.00

ATM / Debit Card Replacement

$5.00

Wire Transfers (Domestic)

$25.00

Statement Copies per hour

$15.00

Check Copies per check

$1.00
These are free through Internet Banking

Official/Cashier's Checks

$1.00 (Excluding loan checks)

Account Research

$15.00/hour (minimum $15.00)

Outgoing IRA Transfer (Resulting in Closure)

$25.00

ACH Overdraft

$30.00

Bill Payer (On day payment processed only)

$20.00

Internet Bill Pay

No Charge for Members

Notary Service

No Charge for Members

Paper Statement Postage Fee

$1.00/Month (Excluding e-Statement users & members 62 and older)

Subordinations (Contact loan department for details)

$200.00

Confirmatory Discharge (Contact loan department for details)

$75.00

Courier Service (Fed Ex) to Expedite a Transaction

Member pays delivery cost

Abandon Property per year

$5.00 per year dormant ($25.00 Remittance Fee)

Account Type

Min Dividend Balances

Annual Percentage Rate

APY*

Savings

Regular Shares (Savings)

>$25.00

0.10%

0.11%

Drafts/Checking

$1000.00

0.10%

0.10%

Club Savings

$25.00

0.20%

0.20%

Money Market

$500.00 – $10,000

0.20%

0.20%

 

Over $10,000

0.30%

0.30%

All share account dividends are earned on the average daily balance (unless otherwise noted) and are posted and compounded monthly. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change monthly. Not responsible for typographical errors or omissions.

IRA Traditional Certificates

$500.00 minimum balance required. Same rates as the certificates of deposit.

IRA Roth Certificates

Effective February 01, 2019

$500.00 minimum balance required

Account Type

Dividend Method

Minimum Balance

Dividend Rates

APY*

CD / IRA

3 Month

Monthly Paid

$500.00

1.15%

1.16%

6 Month

Monthly Paid

$500.00

1.90%

1.91%

12 Month

Monthly Paid

$500.00

2.30%

2.32%

18 Month

Monthly Paid

$500.00

2.50%

2.53%

24 Month

Monthly Paid

$500.00

2.50%

2.53%

36 Month

Monthly Paid

$500.00

2.55%

2.58%

48 Month

Monthly Paid

$500.00

2.70%

2.74%

(Balances greater than $50,000.00 will receive an additional .10%)
(Balances greater than $100,000.00 will receive an additional .20%)
*APY stands for Annual Percentage Yield. All certificate dividends are earned on the actual certificate balance (unless otherwise noted) and are posted and compounded monthly. Penalties exist for early withdrawal. The member has the option to have dividends transferred to Share account or check mailed. If member chooses this option the certificate would be non-compounding.

 

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