Rates

Loan Type APR Additional
Notes
3, 4, and 5-Year New and Used Auto Loans
Finance up to 100% including tax, license, Mechanical Breakdown Protection, GAP and Debt Protection.
Discounted rates as low as
1.74% – 10.74%
Additional Discounts Available:

  • Hybrid Vehicle=0.5%
  • Enterprise Car Sales=1%
  • Automatic Payment=0.25%
6-Year New and Used Auto Loans
Finance up to 100% including tax, license, Mechanical Breakdown Protection, GAP and Debt Protection.
Discounted rates as low as
3.74% – 10.74%
Additional Discounts Available:

  • Hybrid Vehicle=0.5%
  • Enterprise Car Sales=1%
  • Automatic Payment=0.25%
7-Year New and Used Auto Loans
Finance up to 100% including tax, license, Mechanical Breakdown Protection, GAP and Debt Protection.
Discounted rates as low as
4.74% – 13.74%
Additional Discounts Available:

  • Hybrid Vehicle=0.5%
  • Enterprise Car Sales=1%
  • Automatic Payment=0.25%
Auto Refinance, 90-Days No Payments Discounted rates as low as
1.74%
  • Not available for existing MCFCU loans
  • Qualified borrowers only
  • All MCFCU loans must be current
New and Used RVs, Motorcycles, and Boats 4.99% – 14.99%
  • Used boats/RVs require an appraisal
  • 15-year max term for boats & RVs only
  • Rate based on term
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 5 Year Term

Equity Line of Credit 4.75% – 13.00%
As low as Prime +0.5%*
$250,000 maximum limit /no annual fee

Available Discount:
Automatic Payment=0.25%

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
2nd Mortgage – 10-Year Fixed 4.99% – 13.99% $250,000 maximum

Available Discount:
Automatic Payment=0.25%

2nd Mortgage – 15-Year Fixed 5.24% – 14.24% $250,000 maximum

Available Discount:
Automatic Payment=0.25%

Signature Line of Credit 9.50% – 18.00% $25,000 maximum limit/no annual fee
Fixed Rate Signature Loan 9.50% – 18.00% Maximum 60-month term/$25,000
Computer Loan 7.50% – 16.50% $2,000 18-months Fixed Rate

APR=Annual Percentage Rate. The rate for an individual loan is based on your credit history and current credit report and the term of the loan. All loans subject to credit approval and complete terms of loan disclosures. Above rates as of effective date. Programs, rates, terms and conditions subject to change at any time without notice. Auto loans not available for salvaged vehicles.

*Published HELOC rates based on approved credit and loan-to-value and adjust based on the Prime Rate as published in the Wall Street Journal 15 days prior to the beginning of each quarter.

Dividend Rates

Share Accounts

Account Type Minimum
Balance
APY Declaration
Date
Regular Shares $10.00 0.15% Jul 1, 2017
Secondary Shares $5.00 0.15% Jul 1, 2017
Yield Plus Checking (High Yield Share Draft) N/A 2.00% Jul 1, 2017
No-Fee Share Draft (Free Checking) N/A N/A Jul 1, 2017
Interest Checking $300.00 0.10% Jul 1, 2017
Money Market $2,000.00 0.20% Jul 1, 2017
Holiday / Vacation Club $5.00 0.15% Jul 1, 2017

Certificates

Account Type Minimum
Balance
APY Declaration
Date
3-Month Share Certificate Fixed $2,500.00 0.25% Jul 1, 2017
6-Month Share Certificate Fixed $2,500.00 0.40% Jul 1, 2017
12-Month Share Certificate Fixed $2,500.00 0.85% Jul 1, 2017
24-Month Share Certificate Fixed $2,500.00 1.00% Jul 1, 2017
24-Month Share Jumbo Certificate Fixed $100,000.00 1.05% Jul 1, 2017
Certificates no longer renew automatically. For more information please click here.

Rates as of Jul 1, 2017.
APY=Annual Percentage Yield
Programs, rates, terms and conditions subject to change at any time without notice.
For more detailed information please see the Truth in Savings Disclosure.

 

1391 Franklin Street,
Santa Clara, CA 95050

Phone: (408) 244-5818
Toll Free: (888) 361-1894
Fax: (408) 244-9390
Email: info@missioncityfcu.org

Debit Card Lost/Stolen Hotline: (800) 262-2024

Visa Card Lost/Stolen Hotline: (800) 325-3678

Routing Number: 321177447

NMLS # 490777

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