APR = Annual Percentage Rate.

2Federally insured by the National Cooperative Credit Union Administration. Equal housing lending institution.

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

4MIT FCU does not charge for this service, but messaging and information rates might apply. Talk to your carrier for information.

Savings Accounts

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

11A savings account requires a $5.00 minimum balance to open and must 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20Federal Regulations need a considerable penalty on funds withdrawn prior to maturity for all Share Certificate accounts.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 decrease incomes 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 result at that time.

Consult your tax consultant to assist with deciding which account is ideal for you. The roadway to a more safe financial future begins with conserving methods using MIT Federal Credit Union's IRAs and Share Certificates.

Share Certificate APY assumes dividends are maintained in the Certificate; there may be a penalty for early withdrawal. Other terms apply. Rates are accurate since the existing date. Rates are subject to change without notice. Please speak with a Representative for complete savings details.

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

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

23Dividend Rate, APY, and incomes may differ for Traditional and Roth accounts.

Checking Accounts

30There is no minimum balance to open a Monitoring 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 required minimum. No dividends are paid on the Basic Bank account. Fees: Plus Checking - $5.00 regular monthly charge if the day-to-day balance falls below $2,500 at any point in the month. The fee will be withdrawn from your checking account. Select Checking - $8.00 monthly charge if the day-to-day balance falls below $10,000 at any point throughout the month. The cost will be withdrawn from your account. These rates undergo alter and might change after account opening. Maintenance charges might take place if below minimum threshold. Fees might reduce earnings on the account.

31Express Payday - Preauthorized ACH credits received by MIT Federal Credit Union may be credited to your account approximately 2 organization days before the originally set up posting date. If details is not gotten ahead of time, your deposit will not be posted early. Instead, your direct deposit will be published on your regular payday or as quickly as we receive it. MIT Federal Cooperative Credit Union is only responsible if we receive the preauthorized credit or deposit these funds to your account early. Please constantly verify funds are available in your account before composing checks or licensing withdrawals against directly deposited funds. You are accountable for any overdraft fees from deals clearing before your payroll deposit.

32Open Basic Checking by Oct. 31, 2025 to earn a $30 bonus. Basic Checking does not need an opening deposit and does not make dividends. The bonus will be credited to Basic Bank account within 90 days of account opening. Fees may minimize earnings on the account. This deal might be withdrawn at any time and is offered to brand-new members with promo code. All members are required to develop a Cost savings Account with $5 opening deposit to keep membership status.

Money Market

40Rate differs by account balance.

Home Equity

50With the exception of Texas.

51Based on your home's evaluated value and combining all liens on the home consisting of the proposed HELOC/HEL (minimum $5,000, optimum of $400,000.00). All MIT FCU Home Equity Loans and Lines of Credit are secured against the member's house and take 1st, second or, in particular cases 3rd, lien position on the residential or commercial property. Home Equity applications require income confirmation, property tax expense, residential or commercial property deed, residential or commercial property appraisal/valuation, and mortgage or home equity statement, if suitable. MIT FCU will pay all closing costs ought to candidate borrow $15,000.00 or more and the loan is not repaid within the first 24 months. If the loan is repaid within the very first 24 months, then the reimbursement of closing expenses would apply. MIT FCU does not finance residential or commercial property in a trust or a financial investment residential or commercial property, or deal 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 disclose purchase, based on approval.

Personal Loans

60Rate disclosed is based upon a highly certified credit candidate. Rates might vary based upon specific creditworthiness. Rates go through alter without notice.

61Automatic loan payments qualifies 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 qualified 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 interest rate will result in 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 end. However, the promo may end at anytime and without notice.

Auto Lending

70A brand-new car is defined as an existing or previous year's design with 8,000 miles or less.

71Rate disclosed is based on an extremely certified credit prospect. Rates might differ based upon individual credit reliability. Rates undergo alter without notice.