Mutual Savings Credit Union can equip you with the products and services you need in today’s world. MSCU knows that you have different needs for your different accounts. That’s why we offer the best products with the most variety.

From our savings accounts to our club accounts to our IRA accounts, you’ll be able to select a product that can help you meet your savings goals. Our certificates pay competitive interest rates too!

MSCU’s checking accounts are perfect for your daily purchases. Regardless of how often you use a checking account, we have an account that is right for you!

Members of Mutual Savings Credit Union can take comfort in knowing all deposits are safe with MSCU. The National Credit Union Administration (NCUA) provides free federal deposit insurance up to $250,000 per member account.

Basic Savings

Begin your membership by depositing at least $25 into a Basic Savings account, which earns quarterly dividends.

MSCU’s Super Saver Account offers high yields and easy access to your money. Members earn competitive interest rates on balances over $2,500. Three withdrawals are allowed per month with no penalty – it’s our most popular money management account!

Each member account is federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. IRA accounts are separately insured up to $250,000.

Account	Terms	APR	APY
Shares		0.250%	0.250%
Interest Checking	Less than $1,500	0.000%	0.000%
	$1,500.01-$20,000	0.250%	0.250%
	$20,000.01-$50,000	0.250%	0.250%
	$50,000.01-$100,000	0.250%	0.250%
	More than $100,000	0.250%	0.250%
Better Money Market	More than $4999.99	0.499%	0.500%
Select Money Market	More than $24,999.99	0.747%	0.750%
Christmas/Basic Club		0.250%	0.250%
IRA Club		0.748%	0.750%
Supersaver	$2,499.01-$20,000	0.250%	0.250%
	$20,000.01-$50,000	0.499%	0.500%
	$50,000.01-$100,000	0.747%	0.750%
	More than $100,000	0.747%	0.750%

Certificates

Earn the highest rates your credit union has to offer by investing in a CD account. Choose from several terms (or lengths) to suit your investment needs. Call MSCU for a current quote on the amount of money you would like to invest. There is a penalty for early withdrawal.Each member account is federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. IRA accounts are also insured up to $250,000.

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CERTIFICATES / IRAS

• 6 MONTH 0.798% – 0.800% APY
• 1 YEAR 1.195% – 1.200% APY
• 2 YEAR 1.492% – 1.500% APY
• 3 YEAR 1.788% – 1.800% APY
• 5 YEAR 1.985% – 2.000% APY

Basic Checking

Basic Checking from MSCU is a no-nonsense type of checking account. It has no hidden fees and features all of the great add-ons that you have come to expect from a checking account: free telephone banking, free home banking, free online bill pay, free checks and a free Visa® Check Card.

Members who keep higher balances in their checking account may prefer our Better Checking account. With Better Checking members earn interest when they maintain a minimum daily balance of $1,500. Better Checking also provides a free Visa Check Card and no ATM fees. Members also receive free online banking and bill payment. And, just like Basic Checking, checks are free for as long as you have your account.

MSCU also provides a checking account to members that have had difficulty maintaining a checking account in the past. Our Second Chance Checking account is a fee based account that helps you get back on track with free checks, free online bill pay and a free debit card. Plus, members in good standing after one year can be upgraded to a Basic Checking account.

Residents, students, workers and worshipers throughout Chilton, Shelby, Jefferson, Dallas and Tallapoosa (AL) counties are eligible for a Mutual Savings Credit Union Membership. Membership is required to open any checking accounts at MSCU. A minimum $25 deposit into a savings account is required for membership and a minimum $50 deposit into a new checking account is required ($100 for Second Chance Checking) if member is not receiving a direct deposit into the checking account. Please be sure to speak with a Mutual Savings Credit Union representative for full details about memberships and our great checking accounts.

Interest Checking

Members who keep higher balances in their checking account may prefer our Better Checking account. With Better Checking members earn interest when they maintain a minimum daily balance of $1,500. Better Checking also provides a free Visa Check Card and no ATM fees. Members also receive free online banking and bill payment. And, just like Basic Checking, checks are free for as long as you have your account.

Money Market

With a Money Market account from Mutual Savings Credit Union, your money works harder, so you don’t have to. You will receive competitive interest on select balances as described below. Free checks, free debit card, and free online banking make this an easy way to earn a higher rate and still have easy access to your money. Three transactions are free a month for all MSCU Money Market Accounts.

Christmas Club

It’s never too early to start saving for the holiday season! MSCU can help you do that through our Christmas Club savings account. This club account is designed to help you save for those holiday season expenses. There is no minimum balance requirement and the funds are automatically dispersed on November 1 of each year. A fee is charged for early withdrawal. Basic savings interest is accrued on this account.

Vacation Club

Saving for the dream vacation? MSCU can help with a Vacation Club savings account. This account is designed to help you save for a particular purpose. There is no minimum balance requirement and you can withdraw funds at any time without penalty. Basic savings interest is accrued on this club account.

Other Products

Mutual Savings Credit Union offers credit insurance products than can help make sure that your loan payments are handled – even in unfortunate times.

Mutual Savings Credit Union offers online bill pay for free. It is the most secure and convenient way to pay your bills. With just a few clicks you can pay your recurring or one-time bills. This time saving tool is just another great benefit to being an MSCU member!

Courtesy Pay at Mutual Savings Credit Union saves our eligible members from the hassle and embarrassment of returned checks by paying your check up to a predetermined limit. You will be charged the standard non-sufficient funds fee, but the check will not be returned and you will avoid the fees charged by the merchants. Courtesy pay is a valuable feature to add to your MSCU checking account!

With home banking, members can securly conduct transfers, pay bills, check balances and much more with their home internet connection. Not only does this service save trips to the credit union and help you monitor your MSCU accounts closely, it is also free! Click here to access your accounts online.

Mutual Savings Credit Union members can now manage their accounts on the go with Mobile Banking! Mobile Banking allows you to transfer funds, check balances and much more with your cell phone. Best of all this service is free from MSCU. Be sure to ask about Mobile Banking during your next visit to your MSCU branch.

Like home banking, MSCU’s Flashtalk telephone banking service allows members to access their account information whenever they want from the convenience of their home.

Local (205) 682-1199
Toll free (800) 910-4804
24-hours, 7 days a week!

Simplify your life with direct deposit. Your paycheck, social security check or other recurring payments can be automatically deposited to your MSCU account. It’s safe, secure and FREE! Best of all, direct deposit eliminates the need to stand in line at the credit union on pay day! Ask how you can simplify your life with direct deposit today!

Mutual Savings Credit Union makes it easy for members to insure that their loan payments are made on time each month with payroll deduction. This free service automatically takes your MSCU loan payment amount out of your paycheck, social security check or other type of payment so that you don’t have to worry about forgetting to mail in your payment or make unnecessary trips to the credit union. Ask about payroll deduction today and take the worry out of your loan payment!

Credit Insurance Products

With credit life insurance, remaining loan payments are covered in the event of the borrower’s death. Credit life provides a valued peace of mind knowing that your family members will not be burdened with your debt.

Credit disability insurance keeps your loan payments on track if you become disabled and cannot work.

If you are involved in an automobile accident and your vehicle is “totaled”, GAP insurance covers the amount owed on your MSCU auto loan after you receive your payment from your auto insurance company.

MRC coverage helps pays for approved repairs for your vehicle financed with MSCU.

Payment for any or all of these offers can be worked into your MSCU loan payment. These valued products only add fractions to your existing loan payment. Be sure to ask your MSCU lender about these offers during your next visit.