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Type
Annual Percentage Rate (APR)

Rates as low as 2.74%APR
BOATS & RVS
Rates as low as 2.74%APR
OTHER SECURED
(ex. include but are not limited to ATV, snowmobile and personal watercraft)

Rates as low as 4.74%APR
Note: Rates based on model year, mileage of vehicle, length of loans, credit history and MMFCU relationship.


Line of Credit & Overdraft 18.00%APR


Preferred Line of Credit
Rates as low as 6.49%APR
Personal Loan (unsecured)
Rates as low as 9.49%APR
Shared Secured
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 SIGNATURE Rewards Credit Card
Variable rate (Last day of previous month Prime Rate + individual beacon score)
Rates as low as
 
 
12.49%APR
VISA Classic Credit Card
Non-variable Rate (adjusted January 1 & July 1 based on individual Beacon score)
 
8.99%APR
VISA Platinum Rewards Credit Card
Non-variable rate (adjusted January 1 & July 1 based on individual Beacon score)
 
9.99%APR


HOME LOANS
Construction Loans 3.99%APR


Jumbo Loans ( over $453,100 - $1,500,000)
Call for quote
Home Equity Line of Credit (HELOC)
Based on loan to value and last day of last month Prime Rate or 4.5% whichever is greater; rates adjust monthly.
Rates as low as

 
5.25%APR
Home Property Equity
Based on loan to value
Rates as low as
 
3.24%APR
Property Home Improvement
Rates as low as
 
6.24%APR
Student Loans
Rates as low as
 
6.50%APR
Note: Rates based on loan to value, length of loan, credit history and/or MMFCU relationship.



All rates effective 10/31/2019 - Subject to Change.
Loans rates presented assume a checking/auto pay relationship. If borrower has no checking/auto pay relationship, add 0.25% APR to all loan rates. 
 APR = Annual Percentage Rate.  Current Prime Rate 4.75%
 
“Consult your tax advisor about deductibility options. The HELOC is a variable rate product based upon the Prime Rate. The maximum HELOC rate is 18.0% APR.
  
 
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