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| All rates effective July 1, 2009 and subject to change without notice. |
| LOANS - Personal |
|
| |
Term
(in months)
|
* Autopay
|
Non Autopay |
| Personal |
12
|
As low as 9.99%
|
11.99% |
| Personal |
24
|
As low as 11.99%
|
13.99%
|
| Personal |
36
|
As low as 12.99%
|
14.99%
|
| Personal |
48
|
As low as 12.99%
|
14.99% |
| Open End |
n/a
|
13.90
|
n/a |
| Mastercard |
n/a
|
12.90
|
n/a |
| Tuition (10 month term) |
10
|
8.99
|
n/a |
| * Autopay Rate - To qualify for Autopay rate you must have payroll deposit with Members Plus Credit Union and automatic payment transfer from a Members Plus Credit Union checking account. Should you cancel your payroll deposit or automatic payment transfer, the interest rate will change to the Non Autopay rate. Rates effective May 11, 2009 and are subject to change without notice. |
|
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|
FIRST MORTAGES - NO POINTS
|
| |
Rate |
Points |
APR*
|
| 40 Year Fixed |
6.250 |
0 |
6.260 |
| 30 Year Fixed |
5.500 |
0 |
5.511 |
| 15 Year Fixed |
5.000 |
0 |
5.018 |
| 10 Year Fixed |
5.000 |
0 |
5.026 |
| 3/1 Year Adjustable |
4.875 |
0 |
3.725 |
| 3/3 Year Adjustable |
6.00 |
0 |
4.582 |
| 5/1 Adjustable |
5.125 |
0 |
4.018 |
|
HOME EQUITY LINE OF CREDIT - FIXED RATE
|
| |
Rate (prime) |
Points |
APR* (prime)
|
| 0 - 3 Years |
5.50 |
0 |
5.50 |
| 4 - 5 Years |
5.75 |
0 |
5.75 |
| 6 - 10 Years |
6.375 |
0 |
6.375 |
| 11- 15 Years |
6.750 |
0 |
6.750 |
| 16 - 20 Years |
6.990 |
0 |
6.990 |
|
HOME IMPROVEMENT
|
| Up to 5 Years |
6.50 |
0 |
6.50 |
| 6 - 10 Years |
6.99 |
0 |
6.99 |
|
Fees or other conditions may reduce earnings on these accounts.
|
| Savings |
|
|
|
| |
Dividend Rate |
APY* |
Term |
| Share Account |
0.50
|
0.50
|
n/a
|
| NOW Checking (truncated) |
0.100
|
0.100
|
n/a
|
| NOW Checking (PicturePerfect) |
0.05
|
0.05
|
n/a
|
| Money Market (Savings and IRA) |
|
|
|
|
$0-$999
|
0.50
|
0.50
|
n/a
|
| $1000-$9999 |
0.60
|
0.60
|
n/a
|
| $10,000-$24,999 |
1.00
|
1.00
|
n/a
|
| $25,000-$49,999 |
1.10
|
1.11
|
n/a
|
| $50,000-$74,999 |
1.25
|
1.26
|
n/a
|
| $75,000-$99,999 |
1.25
|
1.26
|
n/a
|
| Over $100,000 |
1.25
|
1.26
|
n/a
|
| Members Money Market *** |
|
|
|
| $1000-$9999 |
0.60
|
0.60
|
n/a
|
| $10,000-$24,999 |
1.25
|
1.26
|
n/a
|
| Over $25,000 |
1.35
|
1.36
|
n/a
|
| Christmas Club |
|
|
|
| |
0.50
|
.50
|
n/a
|
| Vacation Clubs |
|
|
|
| $0-$999 |
0.50
|
0.50
|
n/a
|
| Over $1000 |
0.75
|
0.75
|
n/a
|
| Wiin Club |
|
|
|
| $0-$999 |
0.50
|
0.50
|
n/a
|
| $1000-$9999 |
0.60
|
0.60
|
n/a
|
| $10,000-$24,999 |
1.00
|
1.00
|
n/a
|
| $25,000-$49,999 |
1.10
|
1.11
|
n/a
|
| $50,000-$74,999 |
1.25
|
1.26
|
n/a
|
| $75,000-$99,999 |
1.25
|
1.26
|
n/a
|
| Over $100,000 |
1.25
|
1.26
|
n/a
|
| IRA Share Account |
0.500
|
0.500
|
n/a
|
|
*Annual Percentage Yield *** New Money Only
Rates effective 07/01/09 and subject to change without notice.
Fees or other conditions may reduce earnings on these accounts.
Penalty applies for early withdrawal.
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