Rates

Unsecured Personal Loans | Checking Account | Savings | Certificates of Deposit and IRAs | Money Market | New Cars | Used Cars | Mortgages | Home Equity Line of Credit | Home Equity Fixed Rate | Motorcycle | Boat and Recreational Vehicle Loans | Home Improvement Loans | Secured Consumer Loans | Wiin Club | Vacation Club | Holiday Club | Lines of Credit |


Unsecured Personal Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.
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

Checking Account

Name APY* Dividend Rate
**APY = Annual Percentage Yield. Rates effective January 12, 2023 and subject to change without notice. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. $500.00 minimum deposit required to open an MPCU certificate. New money only. Certificates are fixed-rate accounts and will remain in effect until maturity. 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. NCUA insures up to $250,000; MSIC insures all excess shares and deposits above the federal insurance limit of $250,000.  
Members Plus Checking 0.10% 0.10%

Savings

Name APY* Dividend Rate
**APY = Annual Percentage Yield. Rates effective January 12, 2023 and subject to change without notice. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. $500.00 minimum deposit required to open an MPCU certificate. New money only. Certificates are fixed-rate accounts and will remain in effect until maturity. 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. NCUA insures up to $250,000; MSIC insures all excess shares and deposits above the federal insurance limit of $250,000.  
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 January 12, 2023 and subject to change without notice. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. $500.00 minimum deposit required to open an MPCU certificate. New money only. Certificates are fixed-rate accounts and will remain in effect until maturity. 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. NCUA insures up to $250,000; MSIC insures all excess shares and deposits above the federal insurance limit of $250,000.  

¹ New Money Only.
3 month CD 3 0.50% 0.50% $500
6 month CD 6 0.90% 0.90% $500
7 month CD 7 1.01% 1.00% $500
9 month CD 9 1.11% 1.10% $500
11 month CD 11 1.21% 1.20% $500
12 month CD¹ 12 4.60% 4.50% $500
13 month CD 13 1.56% 1.55% $500
15 month CD 15 1.77% 1.75% $500
18 month CD¹ 18 4.71% 4.60% $500
2 year CD 24 2.02% 2.00% $500
3 year CD 36 2.53% 2.50% $500
4 year CD 48 3.05% 3.00% $500
5 year CD 60 3.30% 3.25% $500

Money Market

Name APY* Dividend Rate
**APY = Annual Percentage Yield. Rates effective January 12, 2023 and subject to change without notice. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. $500.00 minimum deposit required to open an MPCU certificate. New money only. Certificates are fixed-rate accounts and will remain in effect until maturity. 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. NCUA insures up to $250,000; MSIC insures all excess shares and deposits above the federal insurance limit of $250,000.  
$0-$999 0.20% 0.20%
$1,000-$9,999 0.20% 0.20%
$10,000-$24,999 0.25% 0.25%
$25,000 and Over 0.40% 0.40%

New CarsApply Now

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.
Up to 4-Year Term 0-48 4.49% $22.80
5-Year Term 0-60 4.64% $18.71
6-Year Term 0-72 4.89% $16.06
7-Year Term 0-84 5.14% $14.21

Used CarsApply Now

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.
Up to 4-Year Term 0 - 48 4.99% $23.03
5-Year Term 0 - 60 5.39% $19.06
6-Year Term 0 - 72 5.64% $16.41
7-Year Term 0 - 84 5.89% $14.56

Mortgages

Name Rate Points APR** Cost Per Thousand***
**APR = Annual Percentage Rate.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.

*** Rates and APRs effective February 15, 2023 and are subject to change without notice. Rates, APR, payments, and fees are based on 20% down payment and excellent credit history. Your actual interest rate, APR, payment, and fees may be different than what is displayed here and will be based on several factors, including but not limited to: your credit history, property type, and transaction type. All mortgages and home equity loans require property insurance.

All mortgages and home equity loans require property insurance.
30 Year Fixed 5.750% 0 5.781% $5.84
15 Year Fixed 5.500% 0 5.551% $8.17
10 Year Fixed 5.250% 0 5.323% $10.73
3/1 Year Adjustable 4.875% 0 6.661% $5.29
5/1 Adjustable 5.000% 0 6.709% $5.37

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 February 2, 2023, the Prime Rate is 7.75%. 12-year draw, 8-year repayment.

*** Obtaining the best rate also requires the following criteria to be met: 1) A new home equity line of credit application, 2) A Loan-to-value (LTV) of 80% or less and 3) Strong creditworthiness.

**** 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.

***** All mortgages and home equity loans require property insurance. 
Home Equity Line of Credit 7.75% 0 7.75%

Home Equity Fixed Rate

Name Rate Points APR** Cost Per Thousand***
**APR = Annual Percentage Rate.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.

**No closing costs, although properties held in trust may require additional fees. Early termination fee of $400 applies for loans closed within first 36 months.

Note: All mortgages and home equity loans require property insurance. 
1 - 3 Years 4.750% 0 4.750% $29.86 - $85.49
4 - 5 Years 5.000% 0 5.000% $18.87 - $23.03
6 - 10 Years 5.500% 0 5.500% $10.85 - $16.34
11 - 15 Years 6.000% 0 6.000% $8.44 - $10.37
16 - 20 Years 6.250% 0 6.250% $7.31 - $8.25

Motorcycle

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.

***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 January 5, 2023 and are subject to change without notice.
3-Year Term 0-36 4.14 $29.59
4-Year Term 0-48 4.39 $22.76
5-Year Term 0-60 4.64 $18.71

Boat and Recreational Vehicle Loans

Name Term (in months) APR**(As Low As) Cost Per Thousand***
**APR = Annual Percentage Rate.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.
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.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.
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.
***APR = Annual Percentage Rate.  APRs are based upon member’s credit score. Rates listed above reflect strong credit worthiness. Payments listed above do not reflect life and disability insurance. Rates and APRs effective February 28, 2023 and are subject to change without notice.
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 January 12, 2023 and subject to change without notice. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. $500.00 minimum deposit required to open an MPCU certificate. New money only. Certificates are fixed-rate accounts and will remain in effect until maturity. 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. NCUA insures up to $250,000; MSIC insures all excess shares and deposits above the federal insurance limit of $250,000.  
$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%

Vacation Club

Name APY* Dividend Rate
**APY = Annual Percentage Yield. Rates effective January 12, 2023 and subject to change without notice. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. $500.00 minimum deposit required to open an MPCU certificate. New money only. Certificates are fixed-rate accounts and will remain in effect until maturity. 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. NCUA insures up to $250,000; MSIC insures all excess shares and deposits above the federal insurance limit of $250,000.  
$0 - Unlimited 0.20% 0.20%

Holiday Club

Name APY* Dividend Rate
**APY = Annual Percentage Yield. Rates effective January 12, 2023 and subject to change without notice. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. $500.00 minimum deposit required to open an MPCU certificate. New money only. Certificates are fixed-rate accounts and will remain in effect until maturity. 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. NCUA insures up to $250,000; MSIC insures all excess shares and deposits above the federal insurance limit of $250,000.  
$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).

******4.90% Introductory Rate good for 12 billings cycles, following the introductory period, your rate will change to our ongoing rates of 13.40% APR – 18% APR based on your credit score.
MasterCard® 12.90%
Rewards MasterCard® 4.90% Intro. Rate******
Overdraft Protection Line of Credit 18.00%

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