Savings Account


Savings (Share) Accounts
The basic account you need to retain membership in the credit union.

  • Pays dividends
  • Can act as overdraft protection for your checking account.
  • There is a $5 fee for each automatic transfer limited to 6 per month.
  • Free Direct Deposit
  • Access your account through Toni The Teller or My McCoy
  • Open your Savings Account for $15 or more (includes a $5 par value member share and a $10 non-refundable new account fee).
  • Low $5 monthly service fee if monthly balance goes below $50.
Share Certificates

Share Certificate Accounts
A Share Certificate is a time deposit established with a specific maturity date and dividend rates. McCoy Federal has some of the highest earning Share Certificates with reasonable maturity periods.

  • Earns high dividend rate
  • Select terms from 6, 12, 24, 30, 36 or 60 months
  • Rate tiers start at $1000, $5000, $25,000 and $100,000
  • $1000 minimum deposit required to open
  • Rates Subject To Change
  Check Share Certificates Rates Now

Penalty for Early Withdrawal. See Account Information brochure for terms and conditions.


Money Management Share Account (MMSA)
This is a special share account that allows you to write a limited number of checks each month. It pays dividends from the day of deposit to the day of withdrawal on the balance you keep. There is a $1,000 minimum deposit required to open the account.

  Check MMSA Rates Now

Checking & Savings

Featured Rates

APR as low as

New Auto 1.99% Apply
Used Auto 3.00% Apply


15 Year Fixed   Apply
30 Year Fixed   Apply

APY as high as

Savings 0.15%
12 Month Certificate 0.70%
Money Market 0.20%
APY=Annual Percentage Yield
APR=Annual Percentage Rate

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