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Rates

Rates effective as of 8/22/2011

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Auto Rates | Loan Rates | Certificate of Deposit | Accounts

 

Auto Rates

Type

APR**

Term

New Automobile (2009 - 2012)

2.99%*

Up to 60 Months

3.49%*

Up to 72 Months

                                                                                                         Conditions: Up to 100% of
                                                                                                         purchase 
price including tax,
                                                                                                         license & warranty OAC

Newer Automobile (2004 - 2008)

3.99%*

Up to 60 Months

                                                                                                         Conditions: Up to 100% of
                                                                                                         purchase 
price including tax,
                                                                                                         license & warranty OAC

Older Automobiles  (2003 and older)

8.75%*

 Up to 36 Months

Conditions: Up to 100% of purchase price including tax & license OAC

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* Interest rate based on credit score 
** APR = Annual Percentage Rate

Loan Rates

Type

APR**

Term

Conditions

Student Loans

Varies

Varies

Inquire w/ Loan Officer

Home Equity Fixed Rate

5.90%* up to 75% CLTV

5 Year Fixed
(up to 20 yr Amortization)

Title & Flood Search

6.90%* up to 85% CLTV

5 Year Fixed
(up to 20 yr Amortization)

Title & Flood Search

HELOC (Home Equity Line of Credit)

Prime + .5%

5 Year Draw Period

Title & Flood Search

Share Secured

2.00% above share rate

42 Months

Pledge on savings equal to the loan balance

Boats and RVs (2004- newer)

6.25%* 

 Up to 72 Months

Inquire with Loan Officer

Signature/Unsecured

10.90%*

Up to 42 Months

Up to $5,000

Motorcycles (2004 - newer)

6.25%*

Up to 72 Months

Appraisal may be needed

Snowmobiles, Jet Ski and Trailers

8.75%*

New up to 60 Months

Value determined by dealer invoice, pictures, and NADA

8.75%*

Used up to 42 Months

Same as new

Home Purchase or Refinance

Inquire with Loan Officer  

Fineline (overdraft protection)

11.90%

N/A

Linked to a checking account at MCCU

Click to Apply Today!

* Interest rate based on credit score 
**APR = Annual Percentage Rate

Certificate of Deposit (CD)

APY**

Term

Conditions

.30% (.29% APR*)

6 Months

$1000 Minimum

.55% (.54% APR*)

12 Months

$1000 Minimum

.55% (.54% APR*)

18 Months

$1000 Minimum

.90% (.89% APR*)

24 Months

$1000 Minimum

*APR = Annual Percentage Rate
**APY = Annual Percentage Yield

 

Accounts

Type

APY**

Savings

.25% (.25% APR*)

Deluxe Checking

.15% (.15% APR*)

Money Market  $2,000 - $10,000

.30% (.29% APR*)

Money Market  $10,001 - $25,000

.30% (.29% APR*)

Money Market   $25,001   -    up

.30% (.29% APR*)


*APR = Annual Percentage Rate
**APY = Annual Percentage Yield

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