Rates | Members Choice Financial Credit Union

Rates

First Mortgage-Principal ResidenceAnnual Percentage Rate
Max 80% Loan to Value
Loan Terms and RatesConsult a Loan Officer Today for a custom mortgage that will work for you.
5/1 ARM - 30 Year Maximum3.88%
Home Equity Loan-Principal ResidenceAnnual Percentage Rate
Fixed Term80% Loan to Value
24 months1.89%
36 months1.99%
60 months2.89%
84 months3.69%
120 months3.99%
180 months4.69%
240 months5.99%
Vehicle Loan RatesTypesAnnual Percentage Yield
On the Spot Financing is AvailableRates as low as
Vehicles and DemosNew2.39%
Used2.89%
RVs/Campers/ Travel TrailersNew4.79%
Used5.29%
Motorcycles/ATVs/BoatsNew3.49%
Used4.29%
Personal and Secured LoansAnnual Percentage Rate
Rates as low as
Signature Loan4.99%
Line of Credit11.00%
Share Secured4.25%
Share Certificate (CD) Secured2% over Certificate Rate or Share Secured Rate--whichever is highest
FlexChoiceAPR*
Fixed Rates
24 Months1.89%
36 Months1.99%
60 Months2.89%
84 Months3.69%
120 Months3.99%
Variable Rates
WSJ Prime Rate3.50%
Platinum MasterCard Credit CardAPR*
Rates as low as8.24%
Student LoansMaximum RateMinimum Rate
Variable Interest Loan9.37%2.25%
Fixed Interest Loan11.85%5.74%
Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.10%0.10%
Regular Share CertificatesA.P.Y*Rate
$500-$49,999
6 Months0.30%0.30%
12 Months0.40%0.40%
18 months0.40%0.40%
24 Months0.55%0.55%
36 Months0.85%0.85%
48 Months1.45%1.44%
60 Months1.55%1.54%
15 Month Special1.00%1.00%
Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
6 Months0.40%0.40%
12 Months0.50%0.50%
18 Months0.50%0.50%
24 Months0.65%0.65%
36 Months0.95%0.95%
48 Months1.45%1.44%
60 Months1.55%1.54%
48 Months STEP-UP-CD0.95%0.95%
15 Month Special1.00%1.00%
IRA CertificatesA.P.Y*RateMember's Choice (A.P.Y*)Member's Choice (Rate)
Traditional, Roth, and Coverdell
6 Months0.60%0.60%0.60%0.60%
12 Months0.65%0.65%0.75%0.75%
18 Months0.70%0.70%0.80%0.80%
24 Months1.00%1.00%1.10%1.10%
36 Months1.30%1.29%1.40%1.39%
48 Months1.55%1.54%1.65%1.64%
60 Months1.65%1.64%1.75%1.74%
15 Month Special1.00%1.00%1.10%1.10%
Jumbo IRA CertificatesA.P.Y*Rate
$50,000 and Over
Traditional, Roth, and Coverdell
6 Months0.70%0.70%
12 Months0.75%0.75%
18 Months0.80%0.80%
24 Months1.10%1.10%
36 Months1.40%1.39%
48 Months1.65%1.64%
60 Months1.75%174%
15 Month Special1.00%1.00%
Money Market AccountsA.P.Y*Rate
Dividends Posted Monthly
$1,000-$19,9990.35%0.35%
$20,000-$49,9990.35%0.35%
$50,000-$99,9990.40%0.40%
$100,000 or more0.45%0.45%
Declared DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.25%0.25%
Declared Club Account DividendsA.P.Y***Rate
Account Type
Christmas Club0.10%0.10%
All-Purpose Club0.10%0.10%
Declared Monthly DividendsA.P.Y.*Rate
Health Savings Account (HSA)0.25%0.25%