Competitive Rates and High-Yield Savings Options That Pay You Monthly
At Marine Federal Credit Union, we are committed to complete rate transparency and delivering maximum financial value to our members. Whether you are building your emergency fund with high-yield savings, opening a share certificate, locking in a competitive auto rate, or applying for a credit card, you can review our latest dividend and loan parameters below.
Share Savings & Money Market Rates
Effective Date: June 1, 2026. Par value of a Membership Share is $5.
| Share Type | APY** Range | Minimum Opening Deposit | Minimum Balance to Earn Dividends | Balance Method |
|---|---|---|---|---|
| Choice Money Market*** | 0.60% – 4.07% | $0 | $0 – $2,999.99 (Tiered) | Average Daily Balance |
| Standard Money Market*** | 0.55% – 0.75% | $2,500 | $2,500.00 – $50,000+ | Average Daily Balance |
| Jumbo Money Market*** | 1.51% – 3.04% | $100,000 | $100,000 – $1,000,001+ | Average Daily Balance |
| Simply Smart Savings / Gunny | 0.10% | $5 | $5 | Average Daily Balance |
| Secondary / Christmas Club | 0.10% | $0 | $5 | Average Daily Balance |
| Credit Builder | 0.10% | $300 | $0 | Average Daily Balance |
| IRAs (Traditional, Roth, SEP, HSA) | 0.25% | $0 | $0 | Average Daily Balance |
4.07% APY ($0–$2,999.99)
3.04% APY ($3,000–$4,999.99)
2.05% APY ($5,000–$9,999.99)
1.26% APY ($10,000–$14,999.99)
0.75% APY ($15,000–$24,999.99)
0.60% APY ($25,000+)
Share Certificates & IRA Certificates
| Certificate Term | Standard APY** ($1,000 Min) | Jumbo APY** ($100,000 Min) | Renewal & Terms |
|---|---|---|---|
| 91-Day | 0.75% | N/A | Automatic Renewal |
| 6-Month | 0.75% | N/A | Automatic Renewal |
| 7-Month Special | 3.92% | N/A | Auto-Renews to 12-Month |
| 12-Month | 3.09% | 3.14% | Automatic Renewal |
| 18-Month | 3.56% | N/A | Automatic Renewal |
| 24-Month | 3.25% | 3.30% | Automatic Renewal |
| 36-Month | 3.35% | 3.40% | Automatic Renewal |
| 48-Month | 3.40% | 3.45% | Automatic Renewal |
| 60-Month | 3.45% | 3.51% | Automatic Renewal |
| 52-Week Challenge | 4.33% ($1–$3,000) |
0.25% ($3,000.01+) |
Automatic Renewal |
Penalties may apply for early withdrawals.
Checking Shares
| Transactional | Dividend Rate/APY** | Dividends Compounded | Dividends Credit/Dividend Period | Minimum Opening Deposit | Balance Method | Minimum Balance to Earn Dividends | Share Requirements |
|---|---|---|---|---|---|---|---|
| Simply Free Checking, Business/Organization Checking | None | None | None | None | None | None | Simply Free Checking: Must have a $500 direct deposit to qualify for unlimited nationwide ATM refunds. NSF/Courtesy Pay/Courtesy Pay Extra fees still apply. |
| Gunny Checking | None | None | None | None | None | None | 13 to 17 year old. Joint owners on account must be 18 years of age or older. |
Consumer Loan Rates
Effective Date: May 4, 2026. Risk-based pricing applies.
| Loan Category | APR* (as low as) |
|---|---|
| New Automobile | 4.15% |
| Used Automobile | 5.75% |
| Home Equity Line of Credit (HELOC)² | 6.75% |
| Title Secured (Non-Purchase) | 9.00% |
| RV / Boat | 8.75% |
| Motorcycle / Personal Watercraft | 11.00% |
| Personal Loan | 11.15% |
| Line of Credit¹ | 11.75% |
| Share Secured | 3.10% |
| Certificate Secured | 6.05% |
For assistance or questions regarding loan rates, please call Marine FCU at (910) 577-7333 or (800) 225-3967.
Mortgage Rates
Interested in buying a home or refinancing your primary mortgage? View our dedicated home loan options and rate lock disclosures.
Apply Online: Ready to lock in your consumer loan rate? Complete your application online in as little as 15 minutes
For questions or assistance, contact our Mortgage Lending Team
Local Support: (910) 577-7333 ext. 5470
Toll-Free Support: (800) 225-3967 ext. 5470
Hours: Weekdays between 9:00 a.m. and 5:00 p.m. ET
Credit Card Rates & Terms
Effective Date: April 1, 2026
| Visa® Card Type | Purchases & Balance Transfer APR* | Cash Advances APR* | Key Features & Fees |
|---|---|---|---|
| Visa® Value | 11.74% – 18.00% (Variable) | 18.00% | $0 Annual Fee |
| Visa® Platinum Rewards | 12.74% – 18.00% (Variable) | 18.00% | Earns Rewards Points; $0 Annual Fee |
| Visa® Signature | 15.74% – 18.00% (Variable) | 18.00% | Premium Benefits; $0 Annual Fee |
| Visa® Credit Builder Secured | 18.00% | 18.00% | $29 Annual Fee; Secured by Shares |
Transaction Fees:
Balance Transfer (3% or $10 min)
Cash Advance (3% or $10 min)
Foreign Transaction (up to 2.80%)
*Rates shown are variable and subject to change based on the U.S. Prime Rate. Rates are capped at 18.00% APR. Your specific APR depends on individual creditworthiness and credit union underwriting standards.
Fee Schedule
| Service / Item | Standard Fee |
|---|---|
| Courtesy Pay / Courtesy Pay Extra | $25 per occurrence |
| Returned Item / NSF / ACH Return | $5 per item |
| Stop Payment Fee | $35 |
| Skip-A-Pay Fee | $35 |
| Official Cashier's Check | $5 |
| Wire Transfer (Domestic) | $25 |
| Energizer Program (Utility Waiver) | $30 enrollment |
| Card Replacement (Non-Fraud) | $5.00 ($30 for expedited) |
| Dormancy Fee (Active account inactive after 365 days) | $5 per month after 1 year |
| Credit Card Annual Fee | $0 (Visa Value, Platinum Rewards, Signature) / $29 (Visa Credit Builder Only) |
| Credit Card Balance Transfer Fee | 3% or $10, whichever is greater |
| Credit Card Foreign Transaction Fee | Up to 2.80% of transaction amount |
| Credit Card Cash Advance Fee | 3% or $10, whichever is greater |
| Credit Card Late Payment Fee | $27+ (1st occurrence) / $35+ (additional occurrences) |
| Credit Card Returned Payment Fee | $25+ per occurrence |
| Credit Card Recovery Fee | $75 |
| Credit Card Statement & Document Copies | $5 (Billing Statement Copy) / $2 plus research (Visa Receipt Copy) |
| Account Research Fee | $10 per hour |
Fees stated apply unless a specific law requires a lesser amount, in which case the lesser amount shall apply. Credit card fees will not exceed the minimum payment amount due.
Disclosures
Loan Rate Disclosures
*APR - The Annual Percentage Rate
**APY - The Annual Percentage Yield
Risk-Based Pricing Disclosure: The APR you receive may vary based on individual credit history, loan term, vehicle age, and underwriting factors, but will not exceed 18.00% APR. You will be notified of the exact base rate for which you qualify upon loan approval. All programs, rates, terms, and conditions are subject to change without notice. Rates are accurate as of the effective date (05/04/2026).
¹Line of Credit Variable Rate: This APR will vary with the market based on The Wall Street Journal Prime Rate, but will not go below the floor rate of 10.00% APR. Following a change to the Prime Rate, the revised rate will be applied at the start of your next monthly billing cycle.
²HELOC Prime Rate: This APR will vary with the market based on The Wall Street Journal Prime Rate, but will not go below the floor rate of 3.50% APR. Following a change to the Prime Rate, the revised rate will be applied at the start of your next monthly billing cycle.
Understanding Credit Card Interest & Billing Terms
Key Terms Regarding Grace Periods, Calculations, and Security
Paying Interest: Your payment due date is at least 25 days after the close of each billing cycle. We charge no interest on purchases if you pay your full new balance by the due date each month. Interest on cash advances and balance transfers begins on the transaction date.
How Balance is Calculated: We use the Average Daily Balance method (including new purchases).
Minimum Monthly Payment: The greater of 2% of the total new balance, or $35 (or the total new balance if less than $35). If over the limit, $35 plus the over-limit amount or 2% plus the over-limit amount.
Penalty APR Notice (18.00%): A Penalty APR of 18.00% may apply if you make a late payment, exceed your credit limit, or have a returned payment. The Penalty APR remains in effect until you make six consecutive on-time minimum payments. Receiving a penalty APR disqualifies your account from earning rewards benefits.
Consumer Financial Protection & Collateral
CFPB Credit Card Tips: Learn more about applying for and managing credit cards by visiting the Consumer Financial Protection Bureau.
Security & Collateral Notice: Collateral securing other loans with Marine FCU may also secure your credit card account. Shares and deposits in the Credit Union are given as security. Visa Credit Builder accounts require a pledged share deposit under a separate Security Agreement.
Federal Truth-in-Lending Disclosures
Rates and costs described in this disclosure are accurate as of April 1, 2026. After a change to the Prime Rate, revised rates take effect at the start of your next billing cycle. Information on your rights to dispute transactions and exercise billing rights is provided in your Credit Card Agreement.
**APR: Annual Percentage Rates (APR) are subject to creditworthiness, underwriting criteria, and evaluation of credit history. Maximum APR will not exceed 18.00%. All rates, terms, and conditions are subject to change without notice.
