Disclosures

1 To be eligible for this promotion the primary applicant must (1) not have been an owner of a Members EcoChoice or Checking account within the 12-month period prior to application; (2) be in good standing if currently a member; (3) be at least 18 years old; and (4) provide the bonus code at the time of account opening. To receive the bonus, within 60 days of account opening the new account must have direct deposits totaling $500 or more and one debit card purchase. The bonus will be deposited into the recipient’s Share Savings account within 30 days once all requirements are met. This is a limited-time promotion and may be modified or terminated without notice at the credit union’s discretion. Additional restrictions and eligibility requirements apply.

2 Skip-A-Payment is only available to members with loans currently in good standing and where no other modifications have been made. Eligible loan(s) must be at least 6 months old. Only one payment may be skipped within a 12-month period. Skipped payments will be applied to the end of the loan, extending the original loan repayment period one month beyond the current maturity date. If you elected GAP coverage, that coverage will not be extended beyond the original maturity date.

Skip-A-Payment is not available for first mortgages, home equity lines of credit, home equity loans, VISA™ credit cards, Expanded Plus auto loans, Drive and Save auto loans, or business loans. Exclusions also include loans with CPI insurance or those that are currently being paid by Allied or similar disability insurance. Members Cooperative Credit Union reserves the right to discontinue this program at any time without notice and at its discretion.

3 $1,000 minimum balance. A penalty will be imposed for early withdrawal.

4 APY is the Annual Percentage Yield. The stated APY is effective as of November 20, 2024. The APY is variable and may change at any time. For certificates, the APY assumes principal and interest remain on deposit for the term of the certificate. Fees may reduce earnings.

Membership and loan approval required. Restrictions apply and products are subject to account requirements.

Members Cooperative Credit Union lends to Minnesota and Wisconsin residents only and property used as loan collateral must be within the states of Minnesota and Wisconsin.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers.