Rates effective as of 3/01/2013
Auto Rates | Loan Rates | Certificate of Deposit | Accounts
* Interest rate based on credit score and automatic payments
** APR = Annual Percentage Rate
|
Auto Rates
|
|
Type
|
APR**
|
Term
|
|
Newer Automobile (2010 - Newer)
|
1.99%*
|
Up to 60 Months
|
|
3.49%*
|
Up to 72 Months
|
|
Conditions: Up to 100% of
purchase price including tax,
license & warranty and GAP,OAC
|
| Used Automobile (2008 and Older) |
4.49%*
|
Up to 60 Months
|
|
Conditions: Up to 100% of
purchase price including tax,
license & warranty and GAP, OAC
|
* Interest rate based on credit score and automatic payments
** APR = Annual Percentage Rate
|
Loan Rates
|
|
Type
|
APR**
|
Term
|
Conditions
|
| Student Loans |
Varies
|
Varies
|
Click on the following link to get more information.
MN Catholic Credit Union funds the loans. Additional questions, please call the Credit Union.
www.custudentloans.org
|
| Home Equity Fixed Rate |
5.90%* up to 80% CLTV
|
5 Year Fixed
(up to 20 yr Amortization)
|
Title & Flood Search
|
|
6.90%* up to 90% CLTV
|
5 Year Fixed
(up to 20 yr Amortization)
|
Title & Flood Search
|
| HELOC (Home Equity Line of Credit) |
Prime + .5%
Floor of 4.0%
|
15 Year Draw Period
|
Title & Flood Search
|
| Share Secured |
2.00% above share rate, Floor of 4.0%
|
42 Months
|
Pledge on savings equal to the loan balance
|
| Boats and RVs (2009 - Newer) |
5.59%*
|
Up to 72 Months |
Lower interest rate for a shorter term.
|
| Boats and RVs (2009 - Newer) |
6.99%*
|
Up to 120 Months |
Money down for longer term |
| Boats and RVs (2008- Older) |
6.59%*
|
Up to 72 Months |
Lower interest rate for a shorter term.
|
| Boats and RVs (2008- Older) |
8.49%*
|
Up to 120 Months |
Money down for longer term |
| Motorcycles (2009 - Newer) |
4.99%*
|
Up to 60 Months |
|
| Motorcycles (2008 - Older) |
5.99%*
|
Up to 60 Months |
|
| Signature/Unsecured |
10.90%*
|
Up to 42 Months
|
Up to $5,000
|
| Non-Titled Purchases |
8.75%*
|
Up to 48 Months
|
A down payment will be required as well as a purchase agreement
|
| Home Purchase or Refinance |
We partner with First Class Mortgage,
www.firstclasscorp.com
however, please
Inquire with Loan Officer
|
| Fineline (overdraft protection) |
11.90%
|
N/A
|
Linked to a checking account at MCCU
|
* Interest rate based on credit score
**APR = Annual Percentage Rate
|
Certificate of Deposit (CD)
|
|
APY**
|
Term
|
Conditions
|
| .20% (.20% APR*) |
6 Months
|
$1000 Minimum
|
| .30% (.30% APR*) |
12 Months
|
$1000 Minimum
|
| .40% (.40% APR*) |
18 Months
|
$1000 Minimum
|
| .50% (.50% APR*) |
24 Months
|
$1000 Minimum
|
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
|
Accounts
|
|
Type
|
APY**
|
| Savings |
.10% (.10% APR*)
|
| Deluxe Checking |
.05% (.05% APR*)
|
| Money Market $2,000 - $10,000 |
.15% (.15% APR*)
|
| Money Market $10,001 - $25,000 |
.15% (.15% APR*)
|
| Money Market $25,001 - up |
.15% (.15% APR*)
|
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
|
