Share Accounts

Share Accounts, often called savings accounts, represent your ownership at the Credit Union. Once you open a Share Account, you have access to all of the Credit Union’s products and services. The National Credit Union Administration Federally insures your savings funds to at least $250,000 and backed by the full faith and credit of the United States Government.

Features of Share Accounts

$25 minimum balance
Dividends are paid on balances above $100 (Account holders 18 years and younger begin earning dividends at $25).
Statements are provided quarterly via mail or email.
Dividends are paid quarterly.
Federally insured to at least $250,000 by the NCUA.

Learn about Share Accounts with Metrum savings accounts.

Money Market High-Yield Savings Account

A Money Market Account allows you to earn higher yields while maintaining the liquidity of your funds.

Features of a Money Market Account

Minimum balance of $500.
If the account drops below the required minimum balance, interest will not be earned for that day or days until the minimum balance is maintained.
Easy to open online, by phone, email or visit to one of our branches
Interest is paid monthly
Federally insured to at least $250,000 by the NCUA.

Holiday Club

Start saving today for the holidays or for any of your savings goals. The Holiday Savings Club is a separate share account that requires a low minimum balance of $5.00 to open.

Features of the Holiday Club Savings

$5.00 minimum balance
Balances will be transferred to your checking account or mailed to you by check in early November.
Interest is paid quarterly.
Federally insured to at least $250,000 by the NCUA.

Vacation Club

The Vacation Club Savings allows you to save for other planned expenses based on your needs (We always like the idea of a vacation, though). This club account requires a low minimum balance of $5.00 to start.

Features of the Vacation Club Savings

$5.00 minimum balance
Use the funds for your own purposes.
Interest is paid quarterly.
Federally insured to at least $250,000 by the NCUA.

Swipe & Save

This special account is part of the SWIPE & SAVE program and helps you build your savings for unexpected emergency expenses. When you chose to transfer your round-up savings to the SWIPE & SAVE Savings Account, MCCU will pay you a higher interest rate+.

Features of the Swipe & Save Savings

No minimum balance
Use the funds for budgeted or emergency needs
Interest is paid quarterly.
Federally insured to at least $250,000 by the NCUA.

*All share accounts at MCCU are subject to transaction limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to the Regulation D requirements and a fee may be assessed.

+Swipe & Save Savings will earn the 6-month CD rate on balances up to $1,999.99 Balances $2,000 and above will receive the current base share rate. Rate is subject to change without notice. One free emergency-related withdrawal will be allowed per month; each withdrawal after that will be assessed a $10.00 fee. Swipe & Save transfers are the only deposits allowed to the savings account. MCCU reserves the right to close the Swipe & Save Savings if transaction abuse is suspected.

If you have any questions, contact us or stop by our local Centennial, Colorado, branch.