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Rates



Unsecured Personal Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 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.

Personal 12 9.99% $87.91
Personal 24 11.99% $47.07
Personal 36-84 12.99% Based on Term
Open End N/A 12.90% N/A
Tuition 10 7.99% $103.72

Checking Account

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective September 7, 2017 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
Members Plus Checking 0.10% 0.10%

Savings

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective September 7, 2017 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
Savings (Share) Account* 0.20 % 0.20%
IRA Share Account 0.20 % 0.20%

Certificates of Deposit and IRAs

Name Term (in months) APY* Dividend Rate Minimum Deposit
*APY = Annual Percentage Yield. Rates effective September 7, 2017 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, 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.

6 month CD 6 0.40% 0.40% $500
7 month CD 7 0.40% 0.40% $500
9 month CD 9 0.45% 0.45% $500
11 month CD 11 0.50% 0.50% $500
1 year CD 12 0.55% 0.55% $500
13 month CD 13 0.55% 0.55% $500
15 month CD 15 1.00% 1.01% $500
18 month CD 18 1.10% 1.11% $500
2 year CD 24 1.15% 1.16% $500
2 year Step-Up CD** 24 0.85% 0.85% $500
3 year CD 36 1.10% 1.11% $500
4 year CD 48 1.30% 1.31% $500
5 year CD 60 1.55% 1.56% $500

Money Market

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective September 7, 2017 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1,000-$9,999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
$25,000-$49,999 0.40% 0.40%
$50,000-$74,999 0.40% 0.40%
$75,000-$99,999 0.40% 0.40%
Over $100,000 0.40% 0.40%

Members Money Market

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective September 7, 2017 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1000-$999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
Over $25,000 0.40% 0.40%

New Cars

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 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.

2-Year Term 0-24 1.75% $42.43
3-Year Term 0-36 1.75% $28.53
4-Year Term 0-48 2.00% $21.70
5-Year Term 0-60 2.25% $17.64
6-Year Term 0-72 2.50% $14.97
For loans > $40K 0-84 2.75% $13.10

Used Cars

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 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.

2014-2017 0 - 72 2.99% $15.20
2013-2017 0 - 60 2.74% $17.86
2011-2017 0 - 48 2.49% $21.92
2011-2017 0 - 36 2.24% $28.75
2010 and older 0 - 36 2.99% $29.08

Mortgages

Name Rate Points APR** Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 and are subject to change without notice.

** Please note all rates subject to change. All mortgages and home equity loans require property insurance. The interest rate and fees show here are available to members with an excellent credit history. The actual interest and fees available to you will be based on your credit history, property type, and may be different than the rates displayed here. First Mortgages have no points.

30 Year Fixed 3.875% 0 3.889% $4.70
15 Year Fixed 3.375% 0 3.400% $7.09
10 Year Fixed 3.250% 0 3.286% $9.80
3/1 Year Adjustable 3.125% 0 3.910% $4.28
3/3 Year Adjustable 3.500% 0 4.376% $4.49
5/1 Adjustable 3.250% 0 3.827% $4.35

Home Equity Line of Credit

Name Rate Points APR**
**APR = Annual Percentage Rate.

*** Rate subject to change without notice. Variable rate based on Prime Rate as published by the Wall Street Journal. As of 6/26/17, the Prime Rate is 4.25%. The variable rate featured may increase after loan consummation. Maximum APR is 18.00%. Minimum APR is 3.00%. Maximum LTV is 80%. This product has a fixed rate lock option. Qualification restrictions apply. No closing costs although properties held in trust may require additional fees. Early termination fee of $400 applies for lines of credit closed within first 36 months - not to exceed 2% of original loan limit.

Home Equity Line of Credit 4.25% 0 4.25%

Home Equity Fixed Rate

Name Rate Points APR** Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 and are subject to change without notice.

** Please note all rates subject to change. All mortgages and home equity loans require property insurance.

0 - 3 Years 3.500% 0 3.529%
4 - 5 Years 3.750% 0 3.768%
6 - 10 Years 4.250% 0 4.259%
11 - 15 Years 4.750% 0 4.757%
16 - 20 Years 5.000% 0 5.005%

Motorcycle

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 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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3-Year Term 0-36 2.74 $28.97
4-Year Term 0-48 2.99 $22.14
5-Year Term 0-60 3.24 $18.08

Boat and Recreational Vehicle Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 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.

New Recreational Vehicle 0 - 60 7.24% $19.93
Used Recreational Vehicle 0 - 36 8.24% $31.46

Home Improvement Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 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.

Unsecured 0-36 5.50% $30.21
Unsecured 48 5.75% $23.38
Unsecured 60 6.00% $19.34
Unsecured 72 6.25% $16.70
Unsecured 84 6.50% $14.86
Secured 0-60 5.50% $19.11
Secured 61-120 5.99% $11.10

Secured Consumer Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***Payments listed above do not reflect life and disability insurance. Rates effective September 7, 2017 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.

Savings Secured Loan 0-120 3.20% Based on Term
Cert. of Deposit Secured Loan 0-120 3.00% + CD APY Based on Term

Wiin Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective September 7, 2017 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0-$999 0.20% 0.20%
$1000-$999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
$25,000-$49,999 0.40% 0.40%
$50,000-$74,999 0.40% 0.40%
$75,000-$99,999 0.40% 0.40%
Over $100,000 0.40% 0.40%

Vacation Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective September 7, 2017 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0 - Unlimited 0.20% 0.20%

Holiday Club

Name APY* Dividend Rate
*APY = Annual Percentage Yield. Rates effective September 7, 2017 and subject to change without notice. Fees or other conditions may reduce earnings on these accounts. Fees that may be applicable to deposit accounts can be found on the fee schedule. In the case of CD or IRA, penalty may apply for early withdrawal.
$0 - unlimited 0.20% 0.20%

Lines of Credit

Name APR**
**APR = Annual Percentage Rate.

Fees that may be applicable to deposit and lending accounts can be found on the fee schedule.

Mastercard Disclosure: 12.90% APR for all purchases and cash advances. $0.50 minimum finance charge, 25 day grace period, Balance computation method=30 days/billing cycle x (daily periodic rate x average daily balance).

MasterCard® 12.90%
Overdraft Protection Line of Credit 18.00%

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