Rates

Mortgages

Name Rate Points APR** Cost Per Thousand***
30 Year Fixed 3.000% 0 3.036% $4.22
15 Year Fixed 2.500% 0 2.565% $6.67
10 Year Fixed 2.375% 0 2.470% $9.37
3/1 Year Adjustable 3.375% 0 3.048% $4.24
5/1 Adjustable 3.500% 0 3.151% $4.30

Home Equity Line of Credit

Name Rate Points APR**
Home Equity Line of Credit 3.25% 0 3.25%

Home Equity Fixed Rate

Name Rate Points APR** Cost Per Thousand***
0 - 3 Years 4.250% 0 4.265%
4 - 5 Years 4.500% 0 4.509%
6 - 10 Years 5.000% 0 5.005%
11 - 15 Years 5.500% 0 5.503%
16 - 20 Years 5.750% 0 5.753%

Home Improvement – Secured

Name Term (in months) APR** Cost Per Thousand***
Home Improvement 0 - 60 5.50% $19.11
Home Improvement 61 - 120 5.99% $11.10
**APR = Annual Percentage Rate.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect excellent credit scores. Payments listed above do not reflect life and disability insurance. Rates and APRs effective September 22, 2021 and are subject to change without notice.
** Please note that these rates reflect Decision Pricing and the Discounted Rate on the Consumer 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.

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