^APY = Annual Percentage Yield. The 5-month promotional CD is offered as of 10/27/2025 for new money only (funds that are not currently on deposit at MSGCU) and cannot be combined with any current deposit dollars including rollovers from maturing MSGCU CDs. Minimum balance to open the CD account and earn the advertised APY is $500. Funds will be considered new if: the funds came to MSGCU via cash, check, or wire transfer and the CD is opened within five days of receiving the funds or if the funds came from an IRA transfer that was deposited into the IRA share and the CD is opened within five days. Maximum CD balance of $100,000. Penalty for early withdrawal. Businesses and municipalities are not eligible. Available through 12/31/2025. Offer renews to a 6-month term Certificate of Deposit. Terms and rates are subject to change at any time without notice. Offer not available to MSGCU team members.
*Special Promotional Rate. Eligible on fixed-rate home equity term loans applied for during the promotional period from 10/1/2025 through 12/31/2025. Subject to credit approval. Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan-to-value. Ask an MSGCU Representative for details. Example: A loan amount of $15,000 at 60 months with up to 80% Loan-to-Value and a rate as low as 5.99% (second lien) would be approximately $289.95.
§You must be at least 16 years old, and a member of MSGCU to participate in the Program. Referrals made to existing members of MSGCU are invalid. By making a valid referral that is completed by a Friend in accordance with the Program Terms, you and the Friend will each receive a cash reward as follows: $50 when your friend registers for the Member Referral Program using your link and opens a new MSGCU membership between 10/1/2025 and 12/31/2025, with the new membership remaining open for at least 60 days.; $25 for an approved and funded Auto, RV, Boat or Powersport loan of $5,000 or more applied for by the Friend within 10 days of membership open date; $25 for a new MSGCU VISA credit card which the Friend must apply for within 10 days of membership open date and be approved for within 30 days of application date; $100 for an approved and funded mortgage loan applied for by the Friend and funded within 180 days of membership open date; $25 for a new checking account opened by the Friend and funded with $25 or more within 10 days of membership open date. The Friend will receive an additional $25 reward if they make 10 debit card transactions of $10 or more via the new checking account within 60 days, or they receive a direct deposit of $100 or more into the account within 60 days. Only one reward per reward type is available, for each Friend referred, subject to a maximum of $1,500 in cash rewards per calendar year. Rewards will be automatically deposited into your oldest existing MSGCU primary share account two business days following confirmation by MSGCU that the referral has been made in full compliance with the Program Terms. Reward cash payments are considered interest and annual payments totaling $600 and above will be reported on IRS Form 1099-MISC, to federal, state, and local tax authorities, if required by applicable law. You are responsible for any taxes due. For full terms and conditions, visit https://www.msgcu.org/disclosures-and-fees.
