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| LOANS - Personal and Auto |
| |
Term
(in months)
|
Base APR*
|
Decision APR**
|
Non Autopay APR***
|
| Personal |
12
|
9.99%
|
As low As
8.99% - 12.99%
|
As low As
10.99% - 14.99% |
| Personal |
24
|
11.99%
|
As low As
10.99% - 14.99%
|
As low As
12.99% - 16.99%
|
| Personal |
36
|
12.99%
|
As low As
11.99% - 15.99%
|
As low As
13.99% - 17.99%
|
| Personal |
48
|
12.99%
|
As low As
11.99% - 15.99%
|
As low As
13.99% - 17.99% |
| Open End |
n/a
|
13.90%
|
As low As
12.90% - 16.90%
|
As low As
14.90% - 18.90% |
| MasterCard |
n/a
|
12.90%
|
n/a
|
n/a |
| Tuition (10 month term) |
10
|
8.99%
|
As low As
7.99% - 11.99%**
|
As low As
9.99% - 13.99% |
| New Cars |
| 2-Year Term |
24
|
4.74%
|
As Low As
4.24% - 6.24%
|
As Low As
6.24% - 8.24% |
| 3-Year Term |
36
|
4.74% |
As Low As
4.24% - 6.24%
|
As Low As
6.24% - 8.24% |
| 4-Year Term |
48
|
5.49% |
As Low As
4.99% - 6.99%
|
As Low As
6.99% - 8.99% |
| 5-Year Term |
60
|
5.49% |
As Low As
4.99% - 6.99%
|
As Low As
6.99% - 8.99% |
| Used Cars |
0-4 Year Term:
2006-2009* |
0 - 48
|
5.99%
|
As Low As
5.49% - 7.49%
|
As Low As
7.49% - 9.49% |
0-3 Year Term:
2005 and older* |
0 - 36
|
6.24%
|
As Low As
5.74% - 7.74%
|
As Low As
7.74% - 9.74% |
| * Base on value these terms can be extended. |
|
|
|
|
| Boat, Motorcycle and Recreational Vehicle Loans |
New: 0-5
Year Term |
0 - 60
|
7.99% |
As Low As
7.24% - 9.49%
|
As Low as
9.24% - 11.49% |
Used: 0-3
Year Term |
0 - 36
|
8.99% |
As Low As
8.24% - 10.49%
|
As Low as
10.24% - 12.49% |
| |
|
|
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|
* Annual Percentage Rate ** Decision Pricing: The APR you receive is baed on your Credit Worthiness, risk analysis and will be based on the range above. *** 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 December 1, 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 |
5.125 |
0 |
5.134 |
| 15 Year Fixed |
4.500 |
0 |
4.514 |
| 10 Year Fixed |
4.500 |
0 |
4.521 |
| 3/1 Year Adjustable |
4.500 |
0 |
3.442 |
| 3/3 Year Adjustable |
6.000 |
0 |
4.582 |
| 5/1 Adjustable |
4.750 |
0 |
3.717 |
|
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 |
|
MASTERLINE HOME EQUITY
|
|
Home Equity borrowers can now get the best of both worlds. Our Masterline 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 |
|
HOME IMPROVEMENT
|
| Up to 5 Years |
6.50 |
0 |
6.50 |
| 6 - 10 Years |
6.99 |
0 |
6.99 |
|
* APR = Annual Percentage Rate. Fees or other conditions may reduce earnings on these accounts.
|
| Savings |
|
|
|
| |
Dividend Rate |
APY* |
Term |
| Savings (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 |
0.75
|
0.75
|
n/a
|
| $25,000-$49,999 |
1.00
|
1.00
|
n/a
|
| $50,000-$74,999 |
1.10
|
1.11
|
n/a
|
| $75,000-$99,999 |
1.10
|
1.11
|
n/a
|
| Over $100,000 |
1.15
|
1.16
|
n/a
|
| Members Money Market *** |
|
|
|
| $1000-$9999 |
0.50
|
0.50
|
n/a
|
| $10,000-$24,999 |
1.00
|
1.00
|
n/a
|
| Over $25,000 |
1.20
|
1.21
|
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 |
0.50
|
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
|
| IRA Share Account |
0.500
|
0.500
|
n/a
|
*APY = Annual Percentage Yield
*** New Money Only Rates effective 12/01/09 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Penalty applies for early withdrawal. Back to Top |
| |
| Checking Account |
|
| |
Dividend Rate |
APY* |
Term |
| Members Plus Checking Account |
0.05
|
0.05
|
n/a
|
|
* APY = Annual Percentage Yield
|
| Certificates of Deposit and IRA |
| |
Dividend Rate
|
APY* |
Term
(months)
|
Minimum Deposit
Required |
NEW! 2 Year Step Up
certificate of deposit |
2.00 |
2.02 |
24 |
500.00 |
| 6 month certificate of deposit |
1.50 |
1.51 |
6 |
500.00 |
| 9 month certificate of deposit |
1.40 |
1.41 |
9 |
500.00 |
| 11 month certificate of deposit |
1.45 |
1.46 |
11 |
500.00 |
| 1 year certificate of deposit |
1.60 |
1.61 |
12 |
500.00 |
| 13 month certificate of deposit |
1.50 |
1.51 |
13 |
500.00 |
| 15 month certificate of deposit |
1.75 |
1.77 |
15 |
500.00 |
| 18 month certificate of deposit |
1.80 |
1.82 |
18 |
500.00 |
| 2 year certificate of deposit |
2.05 |
2.07 |
24 |
500.00 |
| 3 year certificate of deposit |
2.50 |
2.53 |
36 |
500.00 |
| 4 year certificate of deposit |
2.75 |
2.79 |
48 |
500.00 |
| 5 year certificate of deposit |
3.00 |
3.05 |
60 |
500.00 |
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*APY = Annual Percentage Yield
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