All rates effective 4/18/2014 - Subject to Change. 
Note: Loan rates based on individual credit score and credit union relationship. 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. 
 
*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.”  
 
*Rate = Dividend Rate 
*APY = Annual Percentage Yield 
Fees may reduce account earnings. 
Regular Share minimum opening deposit/minimum balance = $5.00 
MMFCU has variable rate deposit accounts. MMFCU holds the right to change the rates on these accounts without notice to the account holder after the opening date. 
 
 
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. 
 
VISA Disclosures 
 
Payment Example: Terms of repayment on a $5,000 loan with the maximum APR of 18% is $25.41 per month for 60 months. Click here to be redirected to our loan calculators for all other payment examples.   
 
Closed End Loan Payment Example: Terms of repayment on a $50,000 loan with an APR of 4.99% is $530.24 per month for 120 months.  
HELOC fees/closing costs can range from $0 - $2,000 

Loans
Loans Annual Percentage Rate (APR)Term of Repayment
AUTOS & MOTORCYCLES
Autos & Motorcycles - 2010 to New (0-36 Months)0.9936
Autos & Motorcycles - 2010 to New (37-66 Months)1.9966
Autos & Motorcycles - 2010 to New (67-72 Months)2.4972
Autos & Motorcycles - 2011 to New (73-84 Months)3.2484
Autos & Motorcycles - 2009 to 2006 (0-36 Months)1.7436
Autos & Motorcycles - 2009 to 2006 (37-60 Months)2.7460
Autos & Motorcycles - 2009 Only (61-72 Months)3.2472
Autos & Motorcycles - 2005 & Older (0-48 Months)3.9948
 
BOATS AND RV'S
Boats and RV's - 2010 to New (0-36 Months)1.3436
Boats and RV's - 2010 to New (37-66 Months)2.3466
Boats and RV's - 2010 to New (67-72 Months)2.8472
Boats and RV's - 2011 to New (73-84 Months)3.5984
Boats and RV's - 2006 to 2009 (0-60 Months)3.3460
Boats and RV's - 2006 to 2009 (61-84 Months)3.8484
Boats and RV's - 2010 to New (85-120 Months)
4.74120
RV's - 2010 to New (terms over 144 months, RV's only)4.99144 & 180
Boats and RV's - 2005 and Older (0-48 Months)4.3448
 
OTHER SECURED
Other Secured - 2006 to New (0-60 Months)3.3460
Other Secured - 2005 and Older (0-48 Months)4.3448
Line of Credit & Overdraft18.00n/a
Preferred Line of Credit5.99n/a
 
PERSONAL LOAN (UNSECURED)8.9948
 
SHARE SECUREDn/a144
(2% over highest term share or savings rates currently offered by MMFCU or 2% over share rate used as collateral, whichever is higher. Promotional accounts are excluded when determining rate.)
 
VISA CREDIT CARDS
VISA Credit Card
Non-variable rate (Adjusted Jan. 1 and July 1, based on individual beacon score)
8.99n/a
VISA Platinum Credit Card
Non-variable rate (Adjusted Jan. 1 and July 1, based on individual beacon score)
11.49n/a
 
HOME EQUITY
Home Equity Loan (75% LTV)2.9960
Home Equity Loan (75% LTV - 5 Year Balloon)3.24180
Home Equity Loan (75% LTV)3.99120
Home Equity Loan (80% LTV)3.2460
Home Equity Loan (80% LTV - 5 year Balloon)
3.49180
Home Equity Loan (80% LTV)4.24120
Home Equity Loan (85% LTV)4.4960
Home Equity Loan (85% LTV)5.49120
 
CONSTRUCTION LOAN3.996
 
Property Home Improvement
Property Home Improvement - 0 to 48 months5.9948
Property Home Improvement - 49 to 84 months6.9984
 
HELOC
HELOC (Home Equity Line of Credit)
80% LTV, Prime - .25%
(Index=Last day of last month Prime or 4.50% whichever is greater; rate adjusts monthly)
4.00n/a
HELOC (Home Equity Line of Credit)
85% LTV, Prime +1.00%
(Index=Last day of last month Prime or 4.50% whichever is greater; rate adjusts monthly)
5.50n/a
Interest Only HELOC (Home Equity Line of Credit) 75% LTV, Prime - .25%
Index=Last day of last month Prime, or 4.50% whichever is greater; rate adjusts monthly)
4.25n/a
 
STUDENT LOAN 6.756.75



Share Accounts
Saving Accounts / Checking AccountsDividend RateAnnual Percentage Yield (APY)
REGULAR SHARES - S10.050.05
 
ESTATE SAVINGS - S130.900.90
 
FLOATING IRA SAVINGS
0.050.05
Employee Distribution IRA (Traditional) (Daily/Monthly)
 
SUPER SAVERS
Super Savers - S2 ($5-$2,499 bal)0.070.07
Super Savers - S2 ($2,500-$4,999 bal)0.070.07
Super Savers - S2 (over $5,000 bal)0.070.07
 
MATRIMONEY ACCOUNTS
Matrimoney Accounts ($5-$2,499 bal)0.070.07
Matrimoney Accounts ($2,500-$4,999 bal)0.070.07
Matrimoney Accounts (over $5,000 bal)0.070.07
 
HEALTH SAVINGS ACCOUNTS
Health Savings Accounts ($5-$2,499 bal)0.100.10
Health Savings Accounts ($2,500-$4,999 bal)0.100.10
Health Savings Accounts (over $5,000 bal)0.150.15
 
FLOATING IRA SAVINGS
Floating IRA Savings
Traditional, Roth and Education
(Daily/Monthly) ($5-$9,999 bal)
0.100.10
Floating IRA Savings
Traditional, Roth and Education
(Daily/Monthly) ($10,000-$49,999 bal)
0.150.15
Floating IRA Savings
Traditional, Roth and Education
(Daily/Monthly) ($50,000+ bal)
0.200.20
 
MONEY MARKET SAVINGS
Money Market Savings ($25,000-$49,999 bal)
*Balance below $25,000 will earn the
Tier 3 Super Savers Rate
0.150.15
Money Market Savings ($50,000+ bal) 0.200.20
 
CHECKING ACCOUNTS
Teen Club Checking (Ages 13-18)
Gold Club Checking (Ages 55 +)
Regular Checking Accounts
Simply Free Checking Accounts
 
MONEY MARKET CHECKING
Money Market Checking ($1,500-$9,999 bal)0.050.05
Money Market Checking ($10,000-$49,999 bal)0.100.10
Money Market Checking ($50,000+ bal)0.150.15
 
BUSINESS CHECKING ACCOUNTS
Regular Business Checking
Business Dividend Checking ($5,000-$9,999 bal)0.100.10
Business Dividend Checking ($10,000-$49,999 bal)0.200.20
Business Dividend Checking ($50,000 balance or greater)0.200.20



Term Share Accounts
TERM SHARE CERTIFICATES
Standard & IRA Certificates
$500 minimum
Dividend RateAnnual Percentage Yield (APY)
DAILY / QUARTERLY (3 MONTH)0.200.20
 
DAILY / QUARTERLY (6 MONTH)0.250.25
 
DAILY / QUARTERLY (12 MONTH) 0.400.40
 
DAILY / QUARTERLY (18 MONTH)0.450.45
 
DAILY / QUARTERLY (24 MONTH)0.600.60
 
DAILY / QUARTERLY (36 MONTH)0.750.75
 
DAILY / QUARTERLY (48 MONTH)0.950.95
 



Special CDs and Promotions
Special Certificates & Current PromotionsDividend RateAnnual Percentage Yield (APY)
 
ADD-ON TERM SHARE CERTIFICATE0.450.45
$2,500 minimum | 500 minimum additions | 36 months
 
BUMP CERTIFICATES
Bump Term Share Account
$5,000 Minimum 24 months (may bump once per term)
0.450.45
Bump Term Share Account
$5,000 Minimum 36 months (may bump once per term)
0.600.60
 
FAST FORWARD TERM SHARE CERTIFICATE1.721.73
$10.00 minimum 36 months ** requires monthly deposits between $10.00 and $500.00



NCUA
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