• “The best way to find yourself is to lose yourself in the service of others.” ― Mahatma Gandhi



Loans

Auto Loans

Auto Loans
Mallard Bay Credit Union offers competitive financing* for new, used and refinanced vehicles. If you're in the market for a new or used vehicle, we can help. Our auto loans offer competitive rates and convenient payment terms. *Subject to credit approval

Mortgage Loans

When you are ready to finance your mortgage*, come to Mallard Bay Credit Union! We are here to help you whether you are buying a new home or want to refinance* your current mortgage for one with a lower rate! We provide all the great benefits you've come to enjoy as a credit union member.

Click here to apply for a First Mortgage *Subject to credit approval.

Recreational Vehicles

Is it time to play in style with a new boat, motorcycle or RV? Or maybe it’s a Jet Ski or ATV. Whatever your idea of outdoor fun, MBCU can get you there with a recreational loan*. With our competitive rates and easy process, you can’t go wrong with an MBCU recreational loan. *Subject to credit approval. Rates

Personal Loans

A personal loan* means you get to choose – take a vacation, grab that new electronic devise you must have, or cover unexpected expenses. With fast approval and low rates, your personal loan is just a phone call or mouse click away. Click here. *Subject to credit approval.

VISA Credit Card

Our VISA Credit Card* will give you the purchase power you want! In the confusing world of credit cards, there are only a few that stand out and are truly beneficial to have in your wallet. A MBCU Visa* is a great card to have for all your big purchases, building credit, everyday spending, and balance transfers. With low interest rates it's sure to become your card of choice.

• 25-Day Grace Period
• Competitive Rate
• We offer VISA Classic & VISA Gold Credit Cards.
• No cash advance fee
• No transaction fee
• No Annual Fee
• We will not raise your rate if your financial situation changes

Click here for more rate information.
*Subject to credit approval.

Other Consumer Loans

We are a full service financial institution with a full range of consumer loans to fit your exact needs.

• New and Used Autos*
• Vacation*
• First Mortgage*
• Second Mortgage*
• Home Improvement*
• Personal Line of Credit*
• Visa/Visa Gold*
• Home Equity Line of Credit*
• Recreational Vehicles*
• Personal Loans*
• AND MORE...


Checking Accounts

We offer a variety of Checking Accounts to fit your lifestyle and financial needs, including our premier checking account that includes a wealth of exciting benefits! All of our Checking Accounts include the following:

  • Free Online Banking
  • Free Mobile Banking*
  • Free Phone Banking
  • Free Bill Payer
  • Free Debit Card*
  • Free eStatements
  • Unlimited Check Writing(non-business accounts)
  • Overdraft Protection option (enrollment required)
  • Access to thousands of surcharge-free CO-OP ATMs
  • Access to thousands of Shared Branch locations

Premier Checking*

This is our primary checking account.

Open this account with a minimum deposit of $25. A monthly maintenance of $3.95 applies on this account. Reduced monthly maintenance is available – as low as $1.95 with a monthly $500 cumulative automatic deposit and eStatements. Members age 65+ qualify for reduced monthly maintenance with no additional requirements met; Students age 24 and under also qualify w/eStatements. Please see our checking accounts at-a-glance chart, Fee Schedule, and Truth-in-Savings disclosure for details.


Dividend Checking*

Looking for an interest-earning Checking Account? Then this is the account for you. This account earns interest by maintaining a minimum balance of $1,000. Open a Dividend Checking account with a minimum deposit of $25.

A monthly maintenance of $2.95 applies on this account. Reduced monthly maintenance is available – as low as $ .95 with a monthly $500 cumulative automatic deposit and eStatements. Members age 65+ qualify for reduced monthly maintenance with no additional requirements met; Students age 24 and under also qualify w/eStatements. Please see our checking accounts at-a-glance chart, Fee Schedule, and Truth-in-Savings disclosure for details.


Simple Checking*

This account has no minimum balance requirement and can be opened with a starting deposit of just $25.

A monthly maintenance of $1.95 applies on this account, but can be avoided with a monthly $500 cumulative automatic deposit and eStatements. This account is FREE for members age 65+ with no additional requirements met. Students age 24 and under also qualify for a FREE account w/eStatements. Please see our Checking Accounts At-a-Glance chart below, Fee Schedule, and Truth-in-Savings disclosure for details.

Business Checking

This account has no ongoing minimum balance requirement and is free for up to 200 transactions per month. Open this account with a deposit of just $25, and thereafter, there is no minimum balance required.


Direct Deposit and Payroll Deduction

You can direct part or all of your paycheck to be deposited directly into your accounts for distributions that you specify.


Share Accounts

Your opening deposit of $5 or more into a Mallard Bay Credit Union Savings account not only establishes your lifetime membership, it also gives you the opportunity to take advantage of additional Mallard Bay Credit Union financial services.

  • Minimum opening deposit $5.
  • ATM card available.
  • Deposits can be made in person, by mail or electronically through Direct Deposit, payroll deduction or automatic transfers from other accounts.
  • You can access your account by ATM, in person or by calling Quick Teller, our audio response system.
  • You will earn the Money Market rate on balances over $5,000. All savings below $5,000 will earn the Regular Savings rate.

Excess Share Insurance

Your credit union joined an elite group of financial institutions that provide insurance coverage beyond the typical $250,000 for share savings accounts. Through our affiliation with the Excess Share Insurance Corporation (ESI), a licensed property and casualty insurer, we are now able to provide an additional $250,000 of coverage, for a total of $500,000 in protection for your regular savings accounts. Joint, retirement and certain other account relationships are insured separately and are subject to other federal guidelines, and also qualify for this supplemental coverage.

This exceptional coverage is available only to those credit unions meeting ESI’s strict underwriting requirements and high standards of performance. Our approval for the program reaffirms our position as a leading financial institution in your community.

For more information about the protection on your accounts, please contact the credit union. You can also visit ESI on the Internet at www.excessshare.com.

All accounts are federally insured up to $250,000 by NCUA, an agency of the US Government.

Lenny the Lion Children’s Savers Club

This special club is for children 12 and under. When you become a member of Lenny’s Club you will get a chance to participate in all of our fun events: The Lenny the Lion Easter Egg Hunt, Youth Week, Halloween Dress-up week at the Credit Union, and attend our Santa Party where you will get your picture taken with Santa. For those children in school, they can earn money for top grades with Earn While You Learn. Plus, your child will receive a birthday card from Lenny!

  • Minimum opening deposit $5

InvesTeen Accounts

The InvesTeen savings, checking and lending products are great ways to help teens grow into financial maturity.

InvesTeen products are hassle-free, offer great rates, and give teens the responsibility and independence they need. These accounts also help teens build a solid foundation for their future whatever direction it may take them.

Another opportunity for our teen members is our Student Scholarship. Each year we offer a scholarship to primary members who will be enrolling at an accredited two-year or four-year college, university or vocational-technical school in the US. The scholarship applications are available each year the first week in January. We announce the winners at our Annual Meeting which is held each March.

For more information about all the accounts your teen may be eligible for click here.

Term Share/CD’s

NW Priority CU offers Term Share/CD’s from 6 month to 3 years with as little as $500.00. With these Term Share/CD accounts your rate is fixed and is determined by the term you select. To see our terms and rates click here - TERM SHARE/CD’s RATES.

Christmas/Tax Account

Need some extra money for Christmas or taxes? Payroll deduction is an easy and painless way to deposit into your Christmas/Tax Account. You will receive a higher rate and there is no minimum balance required. The rate is set annually. On November 1st your Christmas/Tax Account funds will be transferred to your savings account and available for your use. You may also access your Christmas/Tax Account in April for income taxes without penalty. There is a $10 early withdrawal fee as an incentive to save.

IRA

How would you like to invest tax-sheltered money for your retirement years, while reducing your current income tax? An Individual Retirement Account (IRA) can be one of the best retirement savings vehicles available to you - even if you are already contributing to a retirement program through your employer (please consult a tax advisor).

Mallard Bay CU offers a daily IRA Account and IRA Term Share/CD Accounts. The daily IRA account dividends are compounded and credited monthly and the rate is set monthly. The rate on your Term Share/CD account is fixed and is determined at the time you invest. For more information on IRA rates and terms click here - RATES.

 


Certificates

Share Certificates

For safe and guaranteed returns on your savings, our Share Certificates offer flexible maturity terms perfect for starting a sound financial future.

  • Earns higher yields than regular savings
  • Minimum balance of $1,000
  • Maximum deposit amount of $100,000
  • Early withdrawal penalties apply

IRA Certificates

Maximize your IRA contributions with our IRA Certificates. Enjoy higher dividend rates, as well as the same tax advantages and insurance protection of our Traditional, Roth and Coverdell Savings accounts.

  • Earns higher yields than IRA Savings
  • Withdrawals without tax penalty may be made if you are beyond 59-1/2 years of age
  • Minimum balance of $1,000
  • Maximum deposit amount of $100,000
  • Early withdrawal penalties apply.