Rates

Loan Rates Fee Schedule Share Rates Calculators

Effective as of: January 1, 2017 and are subject to change
Auto Loan Rates
2016 and Newer2.24% APR72 Months
(72 monthly payments of $14.86 per $1,000.00 borrowed)
2014 - 20152.39% APR60 Months
(60 monthly payments of $17.70 per $1,000.00 borrowed)
2012 - 20132.49% APR48 Months
(48 monthly payments of $21.92 per $1,000.00 borrowed)
2008 - 20112.99% APR48 Months
(48 monthly payments of $22.14 per $1,000.00 borrowed)
2007 and older5.99% APR36 Months
(36 monthly payments of $30.42 per $1,000.00 borrowed)
ALL RATES SUBJECT TO CREDIT APPROVAL
The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information
Visa Credit Cards
VISA Classic11.90% APR*
Classic (up to $5,000)
VISA Gold9.90% APR*
Gold ($5,000 to $10,000)
*Certain conditions, restrictions, and exclusions may apply. Full Details are available or contact MCCU for more information.
Personal Loans
24 Month 7.50% APR
(24 monthly payments of $45.01 per $1,000.00 borrowed)
36 Month8.00% APR
(36 monthly payments of $31.35 per $1,000.00 borrowed)
48 Month8.50% APR
(48 monthly payments of $24.66 per $1,000.00 borrowed)
Loans are available to members for almost any worthwhile purpose, including vacations, bill consolidation, appliances, home improvements, and more. The credit union has loan terms and rates to suit your financial needs.
Single Pay Notes
Single Pay Notes require NO payment until maturity, and are available on a secured or unsecured basis. Single Pay Notes can also be used for almost any worthwhile purpose.
5.00% APR
One time renewal up to six months
Closed End Home Equity Loan
60 months2.75% APR
(60 monthly payments of $17.86 per $1,000.00 borrowed)
72 months3.5% APR
(72 monthly payments of $15.43 per $1,000.00 borrowed)
84 months4.25% APR
(84 monthly payments of $13.79 per $1,000.00 borrowed)
The payments do not include amounts for taxes and insurance premiums.
Rate thru June 30, 2017
Some closing cost may apply. Contact the Lending Department for more information
Minimum Loan amount of $10,000.00
Annual percentage rate may vary quarterly.
Home Equity Line of Credit
4.25% APR
Rate adjusted Quarterly, 52 week T-Bill rate based on 3rd auction of month plus 4%. The annual percentage rate will not go above 16.50% APR. All closing costs are paid by the credit union.
Minimum First Advance = $5,000.00
Minimum Subsequent Advances = $500.00
No Annual Fees
Minimum Credit Line is $10,000.00
Rate is effective thru June 30, 2017
SHARE SECURED LOANS
Loans secured by Shares add 2.00% to current paying rate
Loans secured by a Share Certificate add 2.00% to earning rate
 
As a qualified borrower at the credit union, you can purchase low-cost Credit Life and Disability insurance for all qualifying loans.
All rates subject to credit approval. All rates stated as APR.