When you’re looking for excellent rates on deposit products, look no further – Methuen FCU have the competitive rates you’re looking for.

Effective:  09/30/2022

Share and Club Accounts

Dividend rate = 0.15% APY*

Dividends are paid and compounded quarterly.

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

Share Account Fees

  • New Account Closed (within 90 days): $10.00
  • Minimum balance (one share): $25.00
  • Minimum balance to earn a dividend: $100.00

Share Draft (Checking) Rates & Fees

Share Draft Accounts require no minimum balance and there is no service fee.

Overdraft Fees

  • $20.00 per overdraft

Other Fees

  • NSF fee: $20.00/item
  • Returned item: $20.00/item
  • Stop Payment: $20.00/request
  • Photocopy: $3.00 after 1 month
  • CU third party check: $5.00

A MasterCard Debit card is issued with each share draft account. This card can be used at all merchant locations as well as ATM's with the NYCE logo. You may now access ATM's with the SUM sign for "fee free" withdrawals. An overdraft line of credit is also issued with each share draft account. Therefore, an application must be completed and approved.

Funds Availability Policy

Money Market Account Rates and Tiers
Tiers APY* Interest Rate
$2500 to $9,999.99 0.30% 0.30%
$10,000 to $24,999.99 0.35% 0.35%
$25,000 to $49,999.99 0.35% 0.35%
$50,000 to $99,999.99 0.45% 0.45%
$100,000 and over 0.50% 0.50%

Rates are are subject to change, after account opening, without notice. Dividends are paid and compounded monthly.  Requires a $2,500 minimum balance to open the account and you must maintain a minimum daily balance of $2,500 in your account each day to obtain the disclosed APY. Fees could reduce earnings on the account.  3 Free withdrawals per month then $5.00 fee per. $500 minimum withdrawal amount.

Certificate of Deposit (CDs) (Available as IRA CD)
Account Type Minimum Deposit APY* Interest Rate
6 Month PROMO $1,000.00 1.956% 1.956%
12 Month $1,000.00 0.50% 0.50%
18 Month $1,000.00 0.60% 0.60%
24 Month $1,000.00 0.65% 0.65%
36 Month $1,000.00 0.70% 0.70%
48 Month $1,000.00 0.80% 0.80%
60 Month $1,000.00 0.85% 0.85%

Penalties may be imposed for early withdrawals.

IRA Rates & Fees

Dividend rate = 0.50% APY*

Dividends are paid and compounded monthly and are paid from current earnings after required transfers. These are statement accounts and have no term.

IRA Fees

  • Mandatory early withdrawal penalties apply.
  • $25.00 fee for transfers.

*APY = Annual Percentage Yield

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