APR = Annual Percentage Rate.

2Federally guaranteed by the National Cooperative Credit Union Administration. Equal housing lender.

3Apple Watch and Apple Pay are signed up 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 information rates might use. Contact your provider for information.

Savings Accounts

10APY = Annual Percentage Yield. Rates vary and might change anytime after the account opening. Fees might reduce profits, and other conditions might use.

11A cost savings account needs a $5.00 minimum balance to open and need to stay 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20Federal Regulations require a significant penalty on funds withdrawn prior to maturity for all Share Certificate accounts.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 could reduce profits 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 choosing which account is ideal for you. The road to a more protected monetary future starts with saving strategies utilizing MIT Federal Credit Union's IRAs and Share Certificates.

Share Certificate APY presumes dividends are kept in the Certificate; there might be a penalty for early withdrawal. Other conditions apply. Rates are accurate as of the current date. Rates go through alter without notice. Please seek advice from a Representative for complete savings information.

21Must keep a minimum everyday balance of $500.00 (for Regular share certificate types) in your account each day to get the revealed APY.

22"New Money" is thought about funds not presently 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 Checking Account with MIT Federal Cooperative Credit Union. You should keep the Minimum Daily Balance as shown to earn dividends on either Plus Checking or Select Checking. No dividend will be paid on days when the balance falls listed below the required minimum. No dividends are paid on the Basic Checking account. Fees: Plus Checking - $5.00 regular monthly fee if the day-to-day balance falls listed below $2,500 at any point in the month. The charge will be withdrawn from your monitoring account. Select Checking - $8.00 month-to-month fee if the daily balance falls listed below $10,000 at any point throughout the month. The cost will be withdrawn from your account. These rates are subject to alter and might change after account opening. Maintenance fees might occur if below minimum limit. Fees could minimize earnings on the account.

31Express Payday - Preauthorized ACH credits gotten by MIT Federal Cooperative credit union might be credited to your account up to 2 organization days before the initially arranged posting date. If details is not received beforehand, your deposit will not be published early. Instead, your direct deposit will be published on your typical payday or as quickly as we receive it. MIT Federal Cooperative Credit Union is only responsible if we get the preauthorized credit or deposit these funds to your account early. Please always confirm funds are readily available in your account before composing checks or licensing withdrawals against directly deposited funds. You are accountable for any overdraft costs from transactions clearing before your payroll deposit.

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

Money Market

40Rate differs by account balance.

Home Equity

50With the exception of Texas.

51Based on your home's evaluated worth and combining all liens on the home including 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 home and take first, 2nd or, in certain cases 3rd, lien position on the residential or commercial property. Home Equity applications require income verification, property tax bill, 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 must candidate obtain $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 costs would use. MIT FCU does not fund 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 minimize the balance of your loan. Any quantity paid above the minimum payment will reduce the balance.

53Must divulge purchase, subject to approval.

Personal Loans

60Rate disclosed is based upon a highly qualified credit prospect. Rates might vary based on individual creditworthiness. Rates go through change 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 ANNUAL PERCENTAGE RATE decrease of 0.25%. MIT FCU does not charge for the autopay service. Discontinuing autopay will lead to the loss of advertising 0.25% INTEREST RATE decrease. Any increase in the interest rate will result in an increase of remaining payments. For instance, 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 might end at anytime and without notification.

Auto Lending

70A brand-new vehicle is specified as a present or previous year's model with 8,000 miles or less.

71Rate disclosed is based upon an extremely certified credit candidate. Rates might vary based on individual credit reliability. Rates go through change without notification.