Rates

Rates

Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew2.79%2.54%
Used3.29%3.04%
RVs/Campers/ Travel TrailersNew6.19%5.94%
Used6.69%6.44%
Motorcycles/ATVs/BoatsNew4.89%4.64%
Used5.69%5.44%

*APR = Annual Percentage Rate. APR current as of [01/29/2020]. Rates are subject to change without notice. LTV=Loan to Value. Credit restrictions apply. Existing Members Choice loans are not eligible for refinance for the promotion. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Members Choice FCU membership is required. AutoPay APR includes 0.25% discount for automatic payment (AutoPay) from your new or existing Members Choice deposit account. Rate subject to increase if AutoPay is discontinued. Payment Example: $7,500 loan amount for 48 months at 3.44% APR = estimated monthly payment of $167.47. Not valid with any other offer. Terms and conditions subject to change at any time.

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 Maximum4.50%
7/1 ARM – 30 Year Maximum4.75%

**APR = Annual Percentage Rate. LTV= loan to value. ARM= adjustable rate mortgage. Rates are subject to change without notice. Your rate on any loans may vary from the rates above and will be determined by your credit history. Certain terms, conditions, limitations, and exclusions apply. Members Choice Financial Credit Union Membership is required.

Platinum MasterCard Credit CardAPR*
Rates as low as9.74%

*APR = Annual Percentage Rate. Current rates range from 9.49% APR to 18.00% APR. Rates are subject to change without notice. The Annual Percentage Rate can vary based on creditworthiness. Qualified credit limit will be determined by certain underwriting criteria. For current rates, fees and other cost information, please contact Members Choice FCU at (800) 834-0082. Cardholder benefits are subject to change without notice. Certain terms, conditions, limitations, and exclusions apply. Please see your Guide to Benefits for complete program details.

Personal and Secured LoansAnnual Percentage Rate
Rates as low as
Signature Loan8.49%
Line of Credit11.00%
Share Secured4.25%
Share Certificate (CD) Secured2% over Certificate Rate or Share Secured Rate–whichever is highest

**APR = Annual Percentage Rate. The APR is current as of [07/01/2019]. Rates are subject to change without notice. Your rate on signature loans may vary from the rates above and will be determined by your credit history. Members Choice Financial Credit Union membership is required. Signature Loans and Line of Credits available up to $20,000. Share Secured and Share Certificate (CD) Secured Loans available up to Secured Share Balance.

Home Equity Loan-Principal ResidenceAnnual Percentage Rate*
Fixed Term80% Loan to Value
24 months2.99%
36 months3.19%
60 months3.69%
84 months4.29%
120 months4.69%
180 months5.09%
240 months6.29%

FlexChoiceAPR*
WSJ Prime Rate4.75%

**APR = Annual Percentage Rate. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. The APR is current are of [01/29/2020]. Rates are subject to change without notice. This rate varies based on Prime Rate published in the Wall Street Journal. Your rate on FlexChoice loans may vary from the rates above and will be determined by your credit history, term and property value. Other fees may apply. Members Choice Financial Credit Union membership is required.

Student LoansMaximum RateMinimum Rate
Variable Interest Loan9.37%2.25%
Fixed Interest Loan11.85%5.74%

*Some restrictions may apply. Student loans are not done in house at Members Choice. Find more terms and conditions at www.salliemae.com.

Declared DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.25%0.25%

Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.10%0.10%

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%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate 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. Dividends are posted quarterly. Rates on share accounts are not guaranteed but are based on the earnings of the credit union and declared quarterly. Fees could reduce earnings. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.

Regular Share CertificatesA.P.Y*Rate
$500-$49,999
6 Months0.30%0.300%
12 Months0.60%0.599%
18 months0.70%0.698%
24 Months0.75%0.748%
36 Months1.35%1.343%
48 Months1.60%1.590%
60 Months2.10%2.083%
48 Months STEP-UP-CD1.50%1.491%

Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
6 Months0.40%0.399%
12 Months0.70%0.698%
18 Months0.80%0.797%
24 Months0.85%0.847%
36 Months1.45%1.442%
48 Months1.70%1.689%
60 Months2.20%2.181%
48 Months STEP-UP-CD1.60%1.590%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate 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. Minimum deposit $500.00. A penalty may be imposed if you withdraw from your account before the maturity day. The penalty schedule is as follows: Terms of 1 year or less 90 days dividends; Terms of greater than 1 year 180 days dividends. Dividends are posted monthly. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.

IRA CertificatesA.P.Y*RateMembers Advantage (A.P.Y*)Members Advantage (Rate)
$500-$49,999
Traditional, Roth, and Coverdell
6 Months0.60%0.599%0.60%0.599%
12 Months0.85%0.847%0.95%0.946%
18 Months1.00%0.996%1.10%1.095%
24 Months1.05%1.046%1.15%1.145%
36 Months1.65%1.639%1.75%1.738%
48 Months1.70%1.689%1.80%1.787%
60 Months2.20%2.181%2.30%2.279%

Jumbo IRA CertificatesA.P.Y*Rate
$50,000 and Over
Traditional, Roth, and Coverdell
6 Months0.70%0.698%
12 Months0.95%0.946%
18 Months1.10%1.095%
24 Months1.15%1.145%
36 Months1.75%1.738%
48 Months1.80%1.787%
60 Months2.30%2.279%

*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Dividends are computed daily and compounded quarterly. The APY may fluctuate 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. Minimum deposit $500.00. Variable IRA dividends posted monthly. Certificate IRA dividend posted quarterly. A penalty may be imposed if you withdraw from your account before the maturity day. The penalty schedule is as follows: Terms of 1 year or less 90 days dividends; Terms of greater than 1 year 180 days dividends. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.

Money Market AccountsA.P.Y*Rate
Dividends Posted Monthly
$1,000-$19,9990.35%0.350%
$20,000-$49,9990.35%0.350%
$50,000-$99,9990.40%0.399%
$100,000 or more0.45%0.449%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate 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. Minimum deposit $1,000.00. Rates are subject to change at any time. Dividends are posted monthly. Rates on share accounts are not guaranteed but are based on the earnings of the credit union and declared quarterly. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.

Rates

Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew2.79%2.54%
Used3.29%3.04%
RVs/Campers/ Travel TrailersNew6.19%5.94%
Used6.69%6.44%
Motorcycles/ATVs/BoatsNew4.89%4.64%
Used5.69%5.44%
Vehicle Loan RatesTypesAPR*AutoPay APR*
On the Spot Financing is AvailableRates as low asRates as low as
Vehicles and DemosNew2.79%2.54%
Used3.29%3.04%
RVs/Campers/ Travel TrailersNew6.19%5.94%
Used6.69%6.44%
Motorcycles/ATVs/BoatsNew4.89%4.64%
Used5.69%5.44%

*APR = Annual Percentage Rate. APR current as of [01/29/2020]. Rates are subject to change without notice. LTV=Loan to Value. Credit restrictions apply. Existing Members Choice loans are not eligible for refinance for the promotion. Your rate on auto loans may vary from the rates above and will be determined by your credit history, term and age of vehicle. Members Choice FCU membership is required. AutoPay APR includes 0.25% discount for automatic payment (AutoPay) from your new or existing Members Choice deposit account. Rate subject to increase if AutoPay is discontinued. Payment Example: $7,500 loan amount for 48 months at 3.44% APR = estimated monthly payment of $167.47. Not valid with any other offer. Terms and conditions subject to change at any time.

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 Maximum4.50%
7/1 ARM – 30 Year Maximum4.75%
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 Maximum4.50%
7/1 ARM – 30 Year Maximum4.75%

**APR = Annual Percentage Rate. LTV= loan to value. ARM= adjustable rate mortgage. Rates are subject to change without notice. Your rate on any loans may vary from the rates above and will be determined by your credit history. Certain terms, conditions, limitations, and exclusions apply. Members Choice Financial Credit Union Membership is required.

Platinum MasterCard Credit CardAPR*
Rates as low as9.74%
Platinum MasterCard Credit CardAPR*
Rates as low as9.74%

*APR = Annual Percentage Rate. Current rates range from 9.49% APR to 18.00% APR. Rates are subject to change without notice. The Annual Percentage Rate can vary based on creditworthiness. Qualified credit limit will be determined by certain underwriting criteria. For current rates, fees and other cost information, please contact Members Choice FCU at (800) 834-0082. Cardholder benefits are subject to change without notice. Certain terms, conditions, limitations, and exclusions apply. Please see your Guide to Benefits for complete program details.

Personal and Secured LoansAnnual Percentage Rate
Rates as low as
Signature Loan8.49%
Line of Credit11.00%
Share Secured4.25%
Share Certificate (CD) Secured2% over Certificate Rate or Share Secured Rate–whichever is highest
Personal and Secured LoansAnnual Percentage Rate
Rates as low as
Signature Loan8.49%
Line of Credit11.00%
Share Secured4.25%
Share Certificate (CD) Secured2% over Certificate Rate or Share Secured Rate–whichever is highest

**APR = Annual Percentage Rate. The APR is current as of [07/01/2019]. Rates are subject to change without notice. Your rate on signature loans may vary from the rates above and will be determined by your credit history. Members Choice Financial Credit Union membership is required. Signature Loans and Line of Credits available up to $20,000. Share Secured and Share Certificate (CD) Secured Loans available up to Secured Share Balance.

Home Equity Loan-Principal ResidenceAnnual Percentage Rate*
Fixed Term80% Loan to Value
24 months2.99%
36 months3.19%
60 months3.69%
84 months4.29%
120 months4.69%
180 months5.09%
240 months6.29%
Home Equity Loan-Principal ResidenceAnnual Percentage Rate*
Fixed Term80% Loan to Value
24 months2.99%
36 months3.19%
60 months3.69%
84 months4.29%
120 months4.69%
180 months5.09%
240 months6.29%
FlexChoiceAPR*
WSJ Prime Rate4.75%
FlexChoiceAPR*
WSJ Prime Rate4.75%

**APR = Annual Percentage Rate. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. The APR is current are of [01/29/2020]. Rates are subject to change without notice. This rate varies based on Prime Rate published in the Wall Street Journal. Your rate on FlexChoice loans may vary from the rates above and will be determined by your credit history, term and property value. Other fees may apply. Members Choice Financial Credit Union membership is required.

Student LoansMaximum RateMinimum Rate
Variable Interest Loan9.37%2.25%
Fixed Interest Loan11.85%5.74%
Student LoansMaximum RateMinimum Rate
Variable Interest Loan9.37%2.25%
Fixed Interest Loan11.85%5.74%

*Some restrictions may apply. Student loans are not done in house at Members Choice. Find more terms and conditions at www.salliemae.com.

Declared DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.25%0.25%
Declared DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.25%0.25%
Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.10%0.10%
Declared DividendsAPYRate
Account Type
Share Draft (Checking)0.10%0.10%
Declared Club Account DividendsA.P.Y***Rate
Account Type
Christmas Club0.10%0.10%
All-Purpose Club0.10%0.10%
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%
Declared Monthly DividendsA.P.Y.*Rate
Health Savings Account (HSA)0.25%0.25%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate 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. Dividends are posted quarterly. Rates on share accounts are not guaranteed but are based on the earnings of the credit union and declared quarterly. Fees could reduce earnings. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.

Regular Share CertificatesA.P.Y*Rate
$500-$49,999
6 Months0.30%0.300%
12 Months0.60%0.599%
18 months0.70%0.698%
24 Months0.75%0.748%
36 Months1.35%1.343%
48 Months1.60%1.590%
60 Months2.10%2.083%
48 Months STEP-UP-CD1.50%1.491%
Regular Share CertificatesA.P.Y*Rate
$500-$49,999
6 Months0.30%0.300%
12 Months0.60%0.599%
18 months0.70%0.698%
24 Months0.75%0.748%
36 Months1.35%1.343%
48 Months1.60%1.590%
60 Months2.10%2.083%
48 Months STEP-UP-CD1.50%1.491%
Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
6 Months0.40%0.399%
12 Months0.70%0.698%
18 Months0.80%0.797%
24 Months0.85%0.847%
36 Months1.45%1.442%
48 Months1.70%1.689%
60 Months2.20%2.181%
48 Months STEP-UP-CD1.60%1.590%
Jumbo Share CertificatesA.P.Y.*Rate
$50,000 and Over
6 Months0.40%0.399%
12 Months0.70%0.698%
18 Months0.80%0.797%
24 Months0.85%0.847%
36 Months1.45%1.442%
48 Months1.70%1.689%
60 Months2.20%2.181%
48 Months STEP-UP-CD1.60%1.590%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate 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. Minimum deposit $500.00. A penalty may be imposed if you withdraw from your account before the maturity day. The penalty schedule is as follows: Terms of 1 year or less 90 days dividends; Terms of greater than 1 year 180 days dividends. Dividends are posted monthly. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.

IRA CertificatesA.P.Y*RateMembers Advantage (A.P.Y*)Members Advantage (Rate)
$500-$49,999
Traditional, Roth, and Coverdell
6 Months0.60%0.599%0.60%0.599%
12 Months0.85%0.847%0.95%0.946%
18 Months1.00%0.996%1.10%1.095%
24 Months1.05%1.046%1.15%1.145%
36 Months1.65%1.639%1.75%1.738%
48 Months1.70%1.689%1.80%1.787%
60 Months2.20%2.181%2.30%2.279%
IRA CertificatesA.P.Y*RateMembers Advantage (A.P.Y*)Members Advantage (Rate)
$500-$49,999
Traditional, Roth, and Coverdell
6 Months0.60%0.599%0.60%0.599%
12 Months0.85%0.847%0.95%0.946%
18 Months1.00%0.996%1.10%1.095%
24 Months1.05%1.046%1.15%1.145%
36 Months1.65%1.639%1.75%1.738%
48 Months1.70%1.689%1.80%1.787%
60 Months2.20%2.181%2.30%2.279%
Jumbo IRA CertificatesA.P.Y*Rate
$50,000 and Over
Traditional, Roth, and Coverdell
6 Months0.70%0.698%
12 Months0.95%0.946%
18 Months1.10%1.095%
24 Months1.15%1.145%
36 Months1.75%1.738%
48 Months1.80%1.787%
60 Months2.30%2.279%
Jumbo IRA CertificatesA.P.Y*Rate
$50,000 and Over
Traditional, Roth, and Coverdell
6 Months0.70%0.698%
12 Months0.95%0.946%
18 Months1.10%1.095%
24 Months1.15%1.145%
36 Months1.75%1.738%
48 Months1.80%1.787%
60 Months2.30%2.279%

*APY = Annual Percentage Yield. IRA = Individual Retirement Account. Dividends are computed daily and compounded quarterly. The APY may fluctuate 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. Minimum deposit $500.00. Variable IRA dividends posted monthly. Certificate IRA dividend posted quarterly. A penalty may be imposed if you withdraw from your account before the maturity day. The penalty schedule is as follows: Terms of 1 year or less 90 days dividends; Terms of greater than 1 year 180 days dividends. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.

Money Market AccountsA.P.Y*Rate
Dividends Posted Monthly
$1,000-$19,9990.35%0.350%
$20,000-$49,9990.35%0.350%
$50,000-$99,9990.40%0.399%
$100,000 or more0.45%0.449%
Money Market AccountsA.P.Y*Rate
Dividends Posted Monthly
$1,000-$19,9990.35%0.350%
$20,000-$49,9990.35%0.350%
$50,000-$99,9990.40%0.399%
$100,000 or more0.45%0.449%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate 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. Minimum deposit $1,000.00. Rates are subject to change at any time. Dividends are posted monthly. Rates on share accounts are not guaranteed but are based on the earnings of the credit union and declared quarterly. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.