Loan Rates
| Loan Type |
APR |
Additional Notes |
3, 4, and 5-Year
New and Used Auto Loans
Finance up to 100% including tax, license, Mechanical Repair Coverage, GAP, etc. |
2.99%* - 9.99% |
Additional Discounts Available:
Hybrid Vehicle=0.5%
Enterprise Car Sales=1%
Direct Deposit=0.25% |
6-Year
New and Used Auto Loans
Finance up to 100% including tax, license, Mechanical Repair Coverage, GAP, etc. |
4.99%* - 9.99% |
Additional Discounts Available:
Hybrid Vehicle=0.5%
Enterprise Car Sales=1%
Direct Deposit=0.25% |
7-Year
New and Used Auto Loans
Finance up to 100% including tax, license, Mechanical Repair Coverage, GAP, etc. |
5.99%* - 11.99% |
Additional Discounts Available:
Hybrid Vehicle=0.5%
Enterprise Car Sales=1%
Direct Deposit=0.25% |
New
Refinance Auto Loan,
90 Days No Payments |
Match your
current rate |
Not available for existing MCFCU loans
Qualified borrowers only
All MCFCU loans must be current.
|
New and Used RVs, Motorcycles,
and Boats |
8.99%* - 11.99% |
Used boats/RVs require an appraisal
15 year max term for
boats & RVs only |
New
Debt Cancellation Loan |
7.99% |
Maximum 5 Year Term
Not available for existing MCFCU loans.
|
|
Share Secured Loan
|
3.00% above
share dividend rate
|
Maximum 10 Year Term
|
| Equity Line of Credit |
Prime Rate +
1.00% |
$200,000 maximum limit /no annual fee
|
| Fixed Rate VISA |
10.99% |
$25,000 maximum limit /no annual fee
|
|
Share Secured Fixed Rate Visa
|
8.75% |
No Annual Fee
|
| 1st Mortgage |
Rates Vary |
Click here for latest rates |
New
2nd Mortgage - 10 Year Fixed
|
4.99% |
$200,000 maximum |
New
2nd Mortgage - 15 Year Fixed |
5.24% |
$200,000 maximum |
|
Signature Line of Credit
|
9.50% - 16.50% |
$25,000 maximum limit/no annual fee
|
|
Fixed Rate Signature Loan
|
9.50% - 16.50% |
Maximum 4 year term/$25,000
|
| Computer Loan |
7.50% - 14.50% |
$2,000 18 months Fixed Rate |
*Rates based on credit worthiness. Must meet Credit Qualifications. Not available for salvaged vehicles
Dividend Rates
| Account |
Minimum Balance |
APY |
Declaration Date |
| Regular Shares |
$50.00 |
0.15% |
Jan. 1, 2012 |
| Secondary Shares |
$5.00 |
0.15% |
Jan. 1, 2012 |
| Share Draft |
$350.00 |
0.10% |
Jan. 1, 2012 |
| Money Market |
$2,000.00 |
0.20% |
Jan. 1, 2012 |
| IRA Accumulation |
$5.00 |
0.25% |
Jan. 1, 2012 |
| Christmas Club |
$5.00 |
0.15% |
Jan. 1, 2012 |
| 3-Month Share Certificate |
$2,500.00 |
0.25% |
Jan. 1, 2012 |
| 6-Month Share Certificate |
$2,500.00 |
0.40% |
Jan. 1, 2012 |
| 12-Month Share Certificate |
$2,500.00 |
0.50% |
Jan. 1, 2012 |
| 24 Month Share Certificate Fixed % Variable |
$2,500.00 |
0.65% |
Jan. 1, 2012 |
| 24-Month Fixed & Variable Share Jumbo Certificate |
$100,00.00 |
0.70% |
Jan. 1, 2012 |
| 12-Month Fixed Share Certificate IRA |
$500.00 |
0.30% |
Jan. 1, 2012 |
| 24-Month Fixed Share Certificate IRA |
$500.00 |
0.65% |
Jan. 1, 2012 |
| 24-Month Share Fixed Jumbo Certificate IRA |
$100,000.00 |
0.70% |
Jan. 1, 2012 |
|
