Rates

*APY = Annual Percentage Yield. Rates effective July 10, 2024 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.

*APY = Annual Percentage Yield. Rates effective March 23, 2023 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.

*APY = Annual Percentage Yield. Rates effective March 23, 2023 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.

** APY = Annual Percentage Yield.  The APY is effective as of 10/07/2024. Limited-time offer. For existing members, $500.00 minimum deposit required to open a Lucky 7 Certificate of Deposit (CD) (up to maximum balance $5,000.00) which must be new money. Existing members must use promo code LUCKY7CD for accounts opened online. For new members, the minimum deposit to open is $500.00 (up to a maximum balance of $5,000.00) which must be new money. New money is considered any funds deposited at MPCU for the first time or not previously on deposit at MPCU within the last 30 calendar days. Re-occurring direct deposits or other ACH deposits do not qualify as new money. A minimum average monthly balance of at least $2,500.00 in a share and/or checking account combined is required to earn the stated APY. If your minimum average monthly balance falls below $2,500, then the APY will automatically change to the lower 12 Month CD APY. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. CDs and Individual Retirement Accounts (IRAs) 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, early withdrawal penalties may be imposed. Advertised terms and APY are available for a limited time only and may be withdrawn without notice. Interest compounded daily and paid monthly. NCUA insures up to $250,000; MSIC insures all excess shares and deposits above the federal insurance limit of $250,000.  

Must be a member of MPCU or establish membership with $5.00 in a Savings Account. Limited to one (1) Lucky 7% CD per member.

**New Autos 2025 and 2024 with less than 7500 miles. ***Pre-Owned Autos 2011-2024 with greater than 7500 miles. VSI Insurance is required on all Auto Loans. Minimum Payment Requirements on all auto loans: $25.00 weekly, $50.00 biweekly and $100.00 monthly. A 7 year term may be granted for new or used auto loans in excess of $30,000.00.

**New Autos 2025 and 2024 with less than 7500 miles. ***Pre-Owned Autos 2011-2024 with greater than 7500 miles. VSI Insurance is required on all Auto Loans. Minimum Payment Requirements on all auto loans: $25.00 weekly, $50.00 biweekly and $100.00 monthly. A 7 year term may be granted for new or used auto loans in excess of $30,000.00.

*** Rates and APRs effective May 24, 2024 and are subject to change without notice. Rates, APR, payments, and fees are based on 25% 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.

*** Rates and APRs effective May 24, 2024 and are subject to change without notice. Rates, APR, payments, and fees are based on 25% 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.

* Adjustable Rate Mortgages (ARM): rates may be subject to increase after consummation.
An Adjustable Rate Mortgage (ARM) has a lower interest rate at the beginning of the mortgage, which changes over time based on an index. There are many types of adjustable rate mortgages and the terms of the payment change are based on the specifics of the adjustable rate mortgage product you select.
• 3/1 and 5/1 ARM terms available.
• 3/1 ARM- Your interest rate under this ARM can change after 36 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 2 percentage points at first adjustment and 2 percentage points per subsequent adjustment from the initial interest rate excluding any buydown. Your interest rate will never be greater than 5 percentage points above the initial interest rate or lower than 2.75%.
• 5/1 ARM- Your interest rate under this ARM can change after 60 months and every 12 months thereafter. Your interest rate cannot increase or decrease more than 5 percentage points at first adjustment and 2 percentage points per subsequent adjustment from the initial interest rate excluding any buydown. Your interest rate will never be greater than 5 percentage points above the initial interest rate or lower than 2.75%.
Adjustable Rate Mortgage Disclosure: www.memberspluscu.org/adjustable-rate-mortgage-loan-disclosure/

** Rate subject to change without notice. Variable rate based on Prime Rate as published by the Wall Street Journal. As of December 19, 2024, the Prime Rate is 7.50%. 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. 

****** The maximum APR over the life of the loan is 18.00%

**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. 

***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 April 23, 2024 and are subject to change without notice.

*APY = Annual Percentage Yield. Rates effective March 23, 2023 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.

*APY = Annual Percentage Yield. Rates effective July 10, 2024 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.

*APY = Annual Percentage Yield. Rates effective July 10, 2024 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.

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.