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CONSUMER LOANS
|
| |
Term
(in months)
|
APR*
|
Cost Per Thousand**
|
| Personal |
12
|
As low As
8.99%
|
$87.47/mo |
| Personal |
24
|
As low As
10.99%
|
$46.62/mo
|
| Personal |
36
|
As low As
11.99%
|
$33.23/mo
|
| Personal |
48
|
As low As
11.99%
|
$26.35/mo
|
| Open End |
n/a
|
As low As
12.90%
|
n/a |
| Tuition |
10
|
As low As
7.99%
|
$103.72/mo |
|
NEW CARS
|
| 2-Year Term |
24
|
As Low As
3.74%
|
$43.32/mo |
| 3-Year Term |
36
|
As Low As
3.74%
|
$29.42/mo
|
| 4-Year Term |
48
|
As Low As
3.99%
|
$22.58/mo |
| 5-Year Term |
60
|
As Low As
3.99%
|
$18.42/mo
|
|
USED CARS
|
| 2006-2009 |
0 - 48
|
As Low As
4.49%
|
$22.81/mo |
| 2005 and older |
0 - 36
|
As Low As
5.24%
|
$30.09/mo |
|
BOAT, MOTORCYCLE AND RECREATIONAL VEHICLE LOANS
|
| New Recreational Vehicle |
0 - 60
|
As Low As
7.24%
|
$19.93/mo |
| Used Recreational Vehicle |
0 - 36
|
As Low As
8.24%
|
$31.46/mo |
| * APR = Annual Percentage Rate. Please note that these rates reflect Decision Pricing and the Discounted Rate on the Personal, Auto, Boat, Motorcycle and Recreational loans. The APR you receive is based on your credit worthiness and risk analysis. To qualify for the discounted rate you must have payroll deposit with Members Plus Credit Union and automatic payment transfer from a Members Plus Credit Union checking account. **Payments listed above do not reflect life and disability insurance. Rates effective July 1, 2010 and are subject to change without notice. |
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HOME IMPROVEMENT
|
| |
Term
(in months)
|
APR*
|
Cost per Thousand**
|
| |
0 - 60
|
6.50%
|
$19.58/mo
|
| |
61 - 120
|
6.99%
|
$11.62/mo
|
|
* APR = Annual Percentage Rate. Please note that these rates reflect the Discounted Rate. To qualify for the discounted rates you must have payroll deposit with Members Plus Credit Union and automatic payment transfer from a Members Plus Credit Union checking account. **Payments listed above do not reflect life and disability insurance. Rates effective July 1, 2010 and are subject to change without notice.
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|
LINES OF CREDIT
|
| |
Term
|
APR*
|
Cost per Thousand
|
|
MasterCard®
|
n/a
|
12.90%
|
n/a
|
| Overdraft |
n/a
|
18.00%
|
n/a
|
|
* APR = Annual Percentage Rate.
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| |
|
|
| MORTGAGES AND HOME EQUITY LOANS |
|
FIRST MORTAGES - NO POINTS
|
| |
Rate |
Points |
APR*
|
|
40 Year Fixed
|
6.250 |
0 |
6.263 |
|
30 Year Fixed
|
4.625 |
0 |
4.637 |
|
15 Year Fixed
|
4.125 |
0 |
4.146 |
|
10 Year Fixed
|
4.125 |
0 |
4.154 |
|
3/1 Year Adjustable
|
4.125 |
0 |
3.458 |
|
3/3 Year Adjustable
|
6.000 |
0 |
5.069 |
|
5/1 Adjustable
|
4.375 |
0 |
3.663 |
|
HOME EQUITY FIXED RATE
|
| |
Rate |
Points |
APR*
|
|
0 - 3 Years
|
5.250 |
0 |
5.250 |
|
4 - 5 Years
|
5.500 |
0 |
5.500 |
|
6 - 10 Years
|
6.125 |
0 |
6.125 |
|
11- 15 Years
|
6.500 |
0 |
6.500 |
|
16 - 20 Years
|
6.750 |
0 |
6.750 |
|
HOME EQUITY LINE OF CREDIT (with option to lock in rate)
|
|
Home Equity borrowers can now get the best of both worlds. Our Home Equity Line of Credit combines the best features of a flexible credit line and a fixed-rate loan, allowing you the ability to lock in all or part of your credit line balance at a low fixed rate, with a fixed monthly payment.
|
0 |
3.25 |
|
* APR = Annual Percentage Rate.
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SAVINGS
|
| |
Dividend Rate |
APY*
|
Term
|
| Savings (Share) Account |
0.50
|
0.50
|
n/a
|
| IRA Share Account |
0.50
|
0.50
|
n/a
|
|
MONEY MARKET
|
|
$0-$999
|
0.50
|
0.50
|
n/a
|
|
$1000-$9999
|
0.50
|
0.50
|
n/a
|
| $10,000-$24,999 |
0.60
|
0.60
|
n/a
|
| $25,000-$49,999 |
0.70
|
0.70
|
n/a
|
| $50,000-$74,999 |
0.80
|
0.80
|
n/a
|
| $75,000-$99,999 |
0.80
|
0.80
|
n/a
|
| Over $100,000 |
0.80
|
0.80
|
n/a
|
|
MEMBERS MONEY MARKET (new money only)
|
| $1000-$9999 |
0.50
|
0.50
|
n/a
|
| $10,000-$24,999 |
0.75
|
0.75
|
n/a
|
| Over $25,000 |
0.90
|
0.90
|
n/a
|
|
HOLIDAY CLUB
|
| $0 - unlimited |
0.50
|
.50
|
n/a
|
|
VACATION CLUB
|
| $0-$999 |
0.50
|
0.50
|
n/a
|
| Over $1000 |
0.50
|
0.50
|
n/a
|
|
WIIN CLUB
|
| $0-$999 |
0.50
|
0.50
|
n/a
|
| $1000-$9999 |
0.50
|
0.50
|
n/a
|
| $10,000-$24,999 |
0.85
|
0.85
|
n/a
|
| $25,000-$49,999 |
1.15
|
1.16
|
n/a
|
| $50,000-$74,999 |
1.20
|
1.21
|
n/a
|
| $75,000-$99,999 |
1.20
|
1.21
|
n/a
|
| Over $100,000 |
1.20
|
1.21
|
n/a
|
| *APY = Annual Percentage Yield. Fees or other conditions may reduce earnings on these accounts. . Back to Top |
| |
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CHECKING ACCOUNT
|
| |
Dividend Rate |
APY* |
Term |
| Members Plus Checking Account |
0.05
|
0.05
|
n/a
|
|
* APY = Annual Percentage Yield. Fees or other conditions may reduce earnings on these accounts.
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CERTIFICATES OF DEPOSIT AND IRA
|
| |
Dividend Rate
|
APY* |
Term
(months)
|
Minimum Deposit
Required |
| 6 month certificate of deposit |
0.80 |
0.80 |
6 |
500.00 |
| 9 month certificate of deposit |
0.90 |
0.90 |
9 |
500.00 |
| 11 month certificate of deposit |
1.00 |
1.00 |
11 |
500.00 |
| 1 year certificate of deposit |
1.15 |
1.16 |
12 |
500.00 |
| 13 month certificate of deposit |
1.20 |
1.21 |
13 |
500.00 |
| 15 month certificate of deposit |
1.25 |
1.26 |
15 |
500.00 |
| 18 month certificate of deposit |
1.30 |
1.31 |
18 |
500.00 |
| 2 year certificate of deposit |
1.75 |
1.77 |
24 |
500.00 |
| 2 year Step-Up certificate of deposit** |
1.70 |
1.72 |
24 |
500.00 |
| 3 year certificate of deposit |
2.00 |
2.02 |
36 |
500.00 |
| 4 year certificate of deposit |
2.20 |
2.22 |
48 |
500.00 |
| 5 year certificate of deposit |
2.65 |
2.68 |
60 |
500.00 |
|
*APY = Annual Percentage Yield. Penalty may apply for early withdrawal.
**You may exercise your step up option to change the rate on your account once in a twelve month period provided your account has been open for at least one year. You may change the rate on your account to the current rate offered on the 2 year step up account at the time you exercise the option to step up. Changing your rate will extend the maturity date on your account for an additional 2 years. To exercise this step up option, you must provide written instructions to the credit union either in person or by mail.
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