Rates

Vehicle Loan Rates^TermAPR*
On the Spot Financing is AvailableRates as low as
New Vehicles & Demos2.29%
Used Vehicles2.89%
 
Recreational Vehicles/MotorcyclesNew5.50%
 Used5.75%
Boats0-60 months11.50%
First Mortgage Loans - Principal ResidenceAPR*
Terms - FixedMax. 80% Loan to Value
 
10 YearTemporarily Unavailable - Ask a Loan Officer for more information
15 Year
20 Year
30 Year
 
5/1 ARM - 30 Year Maximum4.50%
Home Equity Line of Credit (HELOC)APR*
Terms 
3/1 ARM (WSJ Prime +1.25%)4.50%
5/1 ARM (WSJ Prime +1.50%)4.75%
Personal & Secured Loans^TermAPR*
 Rates as low as
Signature Loan7.99%
Line of Credit11.00%
 
Computer Loan0-60 months7.00%
Better Choice Loan 18.00%
Share Secured 4.25%
Share Certificate (CD) Secured2% over Certificate Rate or share secured rate whichever is higher
Platinum MasterCard Credit Card^APR*
Rates as low as7.99%
Investment Properties/Vacant LandAPR*
TermsMax. 80% Loan to Value
5/1 ARM - Limited term7.25%
Home Equity Loan - Principal ResidenceAPR*
Terms - FixedMax. 90% Loan to Value
0-36 months2.29%
37-60 months2.69%
61-84 months3.59%
85-120 months3.99%
121-180 months4.49%
181-240 months5.99%
Additional advances available for Home Equity Loans and LOC
81-85% LTVadd .25%
86-90% LTVadd .50%

*APR = Annual Percentage Rate. Rates are subject to change without notice. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. ^Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Your rate on MasterCard may vary from the rate above and will be determined by your credit history and card relationship. Your rate on signature loans may vary from the rates above and will be determined by your credit history. ± An alternative to Payday Loans. $25 application fee. †Competitive rates and fees.Loan fees vary based on credit history and other underwriting criteria. Maximum lifetime aggregate limit $250,000. ‡$300 application fee. Other fees may apply. Your rate will be determined by your credit history as well as other factors relating to the type of loan request. M-C Federal Credit Union membership is required.
Regular Share CertificatesA.P.Y.*Rate
$500 - $49,999
3 MonthsN/AN/A
6 Months0.35%0.35%
12 Months0.45%0.45%
18 Months0.50%0.50%
24 Months0.55%0.55%
36 Months0.90%0.90%
48 Months1.10%1.10%
60 Months1.50%1.49%
48 Months STEP-UP-CD0.90%0.90%
IRA CertificatesA.P.Y.*Rate
Traditional, Roth & Coverdell Savings
6 Months0.65%0.65%
12 Months0.70%0.70%
18 Months0.80%0.80%
24 Months0.85%0.85%
36 Months1.20%1.19%
48 Months1.40%1.39%
60 Months1.80%1.79%
Money Market AccountsA.P.Y.**Rate
Dividends Posted Monthly
$1,000 - $4,9990.35%0.35%
$5,000 - $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%
IRA SavingsA.P.Y.*Rate
Dividends Posted Monthly0.30%0.30%
Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
3 MonthsN/AN/A
6 Months0.45%0.45%
12 Months0.55%0.55%
18 Months0.60%0.60%
24 Months0.65%0.65%
36 Months1.00%1.00%
48 Months1.20%1.19%
60 Months1.60%1.59%
48 Months STEP-UP-CD1.00%1.00%
Jumbo IRA CertificatesA.P.Y.*Rate
$50,000 and Over
Traditional, Roth & Coverdell Savings
6 Months0.75%0.75%
12 Months0.80%0.80%
18 Months0.90%0.90%
24 Months0.95%0.95%
36 Months1.30%1.29%
48 Months1.50%1.49%
60 Months1.90%1.89%
2nd Quarter Dividends DeclaredA.P.Y.***Rate
Account Type
Share (Savings)0.25%0.25%
Share Draft (Checking)0.10%0.10%
Christmas Club0.10%0.10%
All-Purpose Club0.10%0.10%
Health Savings Account (HSA)A.P.Y.*Rate
Dividends Posted Monthly0.25%0.25%

*APY = Annual Percentage Rate. IRA = Individual Retirement Account. Dividends are computed daily and compounded quarterly. The APY may fluctuate slightly depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Rates are subject to change at any time. 90 day penalty for early withdrawal. **Rates are subject to change weekly. Dividends are posted monthly. No term, easy access. ***Rates on share accounts are not guaranteed, but are based on the earnings of the credit union and declared quarterly. Dividends are calculated on a “day of deposit/day of withdrawal basis. M-C Federal Credit Union membership is required.