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Loans | Savings | Term Share Accounts
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Mortgage Rates
All rates effective 10/1/09. Subject to change.
Note: Loan rates reflect 'Premium Plus' level credit, and may change depending on your credit score. Loan rates presented assume a checking/auto pay relationship. If borrower has no checking/auto pay relationship, add 0.25% APR to all loan rates. "Other Secured" examples include but are not limited to ATV, snowmobiles and personal watercraft.
For payment example, click any of the 'Calculator' links below.
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| LOANS |
Interest Rate
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APR*
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Term
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| Autos & Motorcycles - 2007 to New |
4.74 |
4.74 |
66 |
Calculator |
| Autos & Motorcycles - 2007 to New |
5.99 |
5.99 |
84 |
Calculator |
| Autos & Motorcycles - 2005 to 2006 |
5.49 |
5.49 |
66 |
Calculator |
| Autos & Motorcycles - 2005to 2006 |
5.99 |
5.99 |
72 |
Calculator |
| Autos & Motorcycles - 2004 to 2002 |
7.39 |
7.39 |
60 |
Calculator |
| Autos & Motorcycles - 2001 and Older |
10.39 |
10.39 |
48 |
Calculator |
| Boats and RV's - 2006 to New |
6.59 |
6.59 |
60 |
Calculator |
| Boats and RV's - 2006 to New |
6.89 |
6.89 |
84 |
Calculator |
| Boats and RV's - 2005 to New (terms over 144 months, RV's only) |
7.04 |
7.04 |
180 |
Calculator |
| Boats and RV's - 2005 to 2002 |
8.34 |
8.34 |
60 |
Calculator |
| Boats and RV's - 2005 to 2002 |
8.64 |
8.64 |
84 |
Calculator |
| Boats and RV's - 2001and Older |
11.34 |
11.34 |
48 |
Calculator |
| Other Secured - 2006 to New |
6.74 |
6.74 |
60 |
Calculator |
| Other Secured - 2005 to 2002 |
8.49 |
8.49 |
60 |
Calculator |
| Other Secured - 2001and Older |
11.49 |
11.49 |
48 |
Calculator |
| Line of Credit & Overdraft |
18.00 |
18.00 |
n/a |
Calculator |
| Personal Loan (Unsecured) |
13.34 |
13.34 |
48 |
Calculator |
| Share Secured (2% over highest Term Share or Savings Rate currently offered by MMFCU OR 2% over Share Rate used as collateral, whichever is higher. Promotional accounts are excluded when determining rate.) |
n/a |
n/a |
144 |
Calculator |
| VISA Credit Card (Prime adjusted Jan. 1 and July 1, 5.00%) |
6.74 |
6.74 |
n/a |
Calculator |
| VISA Platinum Credit Card (Prime adjusted Jan. 1 and July 1, 5.00%) |
13.49 |
13.49 |
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Home Equity Loan (75% LTV - 60 Mo.)
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5.49 |
5.49 |
60 |
Calculator |
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Home Equity Loan (75% LTV - 5 year Balloon)
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5.49 |
5.49 |
180 |
Calculator |
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Home Equity Loan (80% LTV - 60 Mo.)
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5.74 |
5.74 |
60 |
Calculator |
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Home Equity Loan (80% LTV - 5 year Balloon)
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6.24 |
6.24 |
180 |
Calculator |
| Home Equity Loan (85% LTV - 60 Mo.) |
7.35 |
7.35 |
60 |
Calculator |
| Home Equity Loan (85% LTV - 5 year Balloon) |
7.35 |
7.35 |
180 |
Calculator |
| Construction Loan |
5.29 |
5.29 |
6 |
Calculator |
HELOC (Home Equity Line of Credit) 80% LTV, Prime - .25%
(Last day of last month Prime 4.50%, rate adjusts quarterly) |
4.25 |
4.25 |
n/a |
Calculator |
HELOC (Home Equity Line of Credit) 85% LTV, Prime +1.00%
(Last day of last month Prime 4.50%, rate adjusts quarterly) |
5.50 |
5.50 |
n/a |
Calculator |
| Interest Only HELOC (Home Equity Line of Credit) 75% LTV, Prime - .25% (Last day of last month Prime 4.50%, rate adjusts monthly) |
4.25 |
4.25 |
n/a |
Calculator |
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*APR = Annual Percentage Rate Current Prime Rate 3.25%
“Consult your tax advisor about deductibility options. See rates page for current rates. The HELOC is a variable rate product based upon the Prime Rate. The maximum HELOC rate is 18.0% APR. Home equity programs may be subject to nominal closing costs of approximately $150 per $20,000 borrowed.”
Go To Loan Application | Go To Calculators | Back to Top
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| SHARE ACCOUNTS (Savings Accounts) |
Dividend Rate |
APY* |
| Regular Shares - S1 |
0.75% |
0.75% |
| Estate Savings - S13 |
1.42% |
1.43% |
| Floating IRA Savings Employee Distribution IRA (Traditional) (Daily/Monthly) |
0.10% |
0.10% |
| Super Savers - S2 ($5-$2,499 bal) |
1.00% |
1.00% |
| Super Savers - S2 ($2,500-$4,999 bal) |
1.04% |
1.05% |
| Super Savers - S2 (over $5,000 bal) |
1.09% |
1.10% |
| Matrimoney Accounts ($5-$2,499 bal) |
1.00% |
1.00% |
| Matrimoney Accounts ($2,500-$4,999 bal) |
1.04% |
1.05% |
| Matrimoney Accounts (over $5,000 bal) |
1.09% |
1.10% |
| Health Savings Accounts ($5-$2,499 bal) |
1.00% |
1.00% |
| Health Savings Accounts ($2,500-$4,999 bal) |
1.49% |
1.50% |
| Health Savings Accounts (over $5,000 bal) |
2.47% |
2.50% |
| Floating IRA Savings Traditional, Roth and Education (Daily/Monthly) ($5-$9,999 bal) |
1.24% |
1.25% |
| Floating IRA Savings Traditional, Roth and Education (Daily/Monthly) ($10,000-$49,999 bal) |
1.49% |
1.50% |
| Floating IRA Savings Traditional, Roth and Education (Daily/Monthly) ($50,000-$249,999 bal) |
1.74% |
1.75% |
| Floating IRA Savings Traditional, Roth and Education (Daily/Monthly) (over $250,000 bal) |
1.98% |
2.00% |
| Money Market Savings ($25,000-$49,999 bal) *Balance below $25,000 will earn the Tier 3 Super Savers Rate |
1.34% |
1.35% |
| Money Market Savings ($50,000-$99,999 bal) |
1.49% |
1.50% |
| Money Market Savings ($100,000-$249,999 bal) |
1.59% |
1.60% |
| Money Market Savings (over $250,000 bal) |
1.79% |
1.80% |
| SHARE DRAFT ACCOUNTS (Checking Accounts) |
Dividend Rate |
APY* |
| Teen Club Checking (Ages 13-18) |
N/A |
N/A |
| Gold Club Checking (Ages 55 +) |
N/A |
N/A |
| Regular Checking Accounts |
N/A |
N/A |
| Simply Free Checking Accounts |
N/A |
N/A |
| Money Market Checking / Simply Free Interest Checking ($1,500-$9,999 bal) |
0.50% |
0.50% |
| Money Market Checking / Simply Free Interest Checking ($10,000-$24,999 bal) |
1.14% |
1.15% |
| Money Market Checking / Simply Free Interest Checking ($25,000-$49,999 bal) |
1.29% |
1.30% |
| Money Market Checking / Simply Free Interest Checking (over $50,000 bal) |
1.39% |
1.40% |
| Regular Business Checking |
N/A |
N/A |
| Business Dividend Checking ($5,000-$9,999 bal) |
0.50% |
0.50% |
| Business Dividend Checking ($10,000-$24,999 bal) |
1.34% |
1.35% |
| Business Dividend Checking ($25,000-$49,999 bal) |
1.49% |
1.50% |
| Business Dividend Checking ($50,000 balance or greater) |
1.59% |
1.60% |
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TERM SHARE ACCOUNTS (Certificate of Deposit)
Standard & IRA CDs - Quarterly - $500 minimum
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Dividend Rate |
APY* |
| Daily / Quarterly (3 month < $5000) |
1.00% |
1.00% |
| Daily / Quarterly (3 month $5,000 - $9,999) |
1.10% |
1.10% |
| Daily / Quarterly (3 month $10,000- $99,999) |
1.19% |
1.20% |
| Daily / Quarterly (3 month $100,000+) |
1.19% |
1.20% |
| Daily / Quarterly (6 month < $5,000 ) |
1.49% |
1.50% |
| Daily / Quarterly (6 month $5,000 - $9,999) |
1.59% |
1.60% |
| Daily / Quarterly (6 month $10,000 - $99,999) |
1.69% |
1.70% |
| Daily / Quarterly (6 month $100,000+) |
1.79% |
1.80% |
| Daily / Quarterly (12 month < $5,000) |
1.74% |
1.75% |
| Daily / Quarterly (12 month $5,000 - $9,999) |
1.84% |
1.85% |
| Daily / Quarterly (12 month $10,000 - $99,999) |
1.94% |
1.95% |
| Daily / Quarterly (12 month $100,000+) |
2.03% |
2.05% |
| Daily / Quarterly (18 month < $5,000) |
1.79% |
1.80% |
| Daily / Quarterly (18 month $5,000 - $9,999) |
1.89% |
1.90% |
| Daily / Quarterly (18 month $10,000 - $99,999) |
1.99% |
2.00% |
| Daily / Quarterly (18 month $100,000+) |
2.08% |
2.10% |
| Daily / Quarterly (24 month < $5,000) |
1.89% |
1.90% |
| Daily / Quarterly (24 month $5,000 - $9,999) |
1.99% |
2.00% |
| Daily / Quarterly (24month $10,000 - $99,999) |
2.08% |
2.10% |
| Daily / Quarterly (24 month $100,000+) |
2.18% |
2.20% |
| Daily / Quarterly (36 month < $5,000) |
2.33% |
2.35% |
| Daily / Quarterly (36 month $5,000 - $9,999) |
2.43% |
2.45% |
| Daily / Quarterly (36 month $10,000 - $99,999) |
2.53% |
2.55% |
| Daily / Quarterly (36 month $100,000+) |
2.62% |
2.65% |
| Daily / Quarterly (48 month < $5,000) |
2.62% |
2.65% |
| Daily / Quarterly (48 month $5,000 - $9,999) |
2.72% |
2.75% |
| Daily / Quarterly (48 month $10,000 - $99,999) |
2.82% |
2.85% |
| Daily / Quarterly (48 month $100,000+) |
2.92% |
2.95% |
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SPECIAL CDs & CURRENT PROMOTIONS
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Dividend Rate |
APY* |
| Add-On Term Share Account $2,500 minimum $500 minimum additions 36 months |
2.03% |
2.05% |
| Bump Term Share Account $5,000 Minimum 24 months |
1.94% |
1.95% |
| Bump Term Share Account $5,000 Minimum 36 months |
2.28% |
2.30% |
| Fast Forward Term Share Account $10.00 minimum 36 months ** requires monthly deposits between $10.00 and $500.00 |
2.29% |
2.31% |
| 7 Month / 30 Week Term Share Account Special ($2,500 minimum) |
2.23% |
2.25% |
| 13 Month / 56 Week Term Share Account Special ($2,500 minimum) |
2.33% |
2.35% |
| 25 Month / 108 Week Term Share Account Special ($2,500 minimum) |
2.48% |
2.50% |
*Rate = Dividend Rate
*APY = Annual Percentage Yield
Fees may reduce account earnings.
Regular Share minimum opening deposit/minimum balance = $5.00
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APYs listed above for Term Share Certificates are based on having an active checking account, if not applicable deduct 0.25% from the APY. Each member is insured to at least $250,000 by National Credit Union Administration.
A penalty may be imposed for early withdrawal from a term share account. Fees may reduce account earnings. Contact an employee for further information on applicable fees and terms. Dividends are based on the Credit Union's earnings and cannot be guaranteed.
APY = ANNUAL PERCENTAGE YIELD RATE = RATE DIVIDENDS
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