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Loan Rates

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Type
Annual Percentage Rate (APR) Term of Repayment


2013 to New (0-36 Months) 2.09% 36
2013 to New (37-66 Months) 3.09% 66
3.34% 72
2013 to New (73-78  Months) 3.59% 78
2013  to  New  (79-84 Months)
4.59% 84
2012 to 2009 (0-36 Months) 3.09% 36
2012 to 2009 (37-66 Months) 4.09% 66
2012 to 2009 (67-72 Months) 4.34% 72
2008 & Older (0-60 Months) 5.09% 60
BOATS & RVS
2013 to New (0-36 Months) 2.09% 36
2013 to New (37-66 Months) 3.09% 66
2013 to New (67-72 Months) 3.34% 72
2013 to New (73-84 Months) 4.59% 84
2013 to New (85-120 Months)
4.84% 120
BOATS & RVs ONLY - 2013 to New (144 Months) |  RVs ONLY - 2013 to New (180 Months)
5.09% 144 & 180
2012 to 2009 (0-66 Months) 4.59% 66
2012 to 2009 (67-84 Months) 4.84% 84
2012 to 2009 (85-120 Months)

2008 to Older (60 Months)
5.09%

5.34%
120

60
OTHER SECURED
2013 to New (0-60 Months) 4.09% 60
2013 & New (61-84 Months) 4.84% 84
2012 to 2009 (0-60 Months)

2008 to Older (0-48 Months)
5.09%

5.59%
60

48
PREFERRED LINE OF CREDIT 5.99% N/A
OVERDRAFT LINE OF CREDIT 18.00% N/A
PERSONAL LOAN (Unsecured) 8.99% 84
SHARE 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.) 
144 maximum


 

VISA Credit cards


VISA Classic Credit Card
Non-variable Rate (Adjusted January & July based on individual beacon score)
8.99 % N/A
VISA Platinum Credit Card
Non-variable Rate (Adjusted January & July based on individual beacon score)

VISA Signature Rewards Credit Card (NEW)
Variable Rate (Adjusted based on Prime Rate & January & July based on individual beacon score)
9.99 %


11.24 %
N/A


N/A
CONSTRUCTION LOAN
Construction Loan 3.99 % 6
JUMBO LOAN (Ask about additional terms)


Jumbo Loan (15 Year Term) 4.25% 15 Year
Jumbo Loan (30 Year Term) 4.50% 30 Year
HOME EQUITY LINE OF CREDIT (HELOC )

HELOC
80% LTV, Prime - .50%
(Index = Last day of last month Prime or 4.50% whichever is greater; rate adjusts monthly)
4.00 % N/A
HELOC
85% LTV, Prime + 1.00%
(Index = last day of last month Prime or 4.50% whichever is greater; rate adjusts monthly)
5.25 % N/A

HELOC Advantage (Interest Only)

75% LTV, Prime - .25%
(Index = Last day of last month Prime or 4.50% whichever is greater; rate adjusts monthly. A balloon payment may result, if applicable.)
4.75 % N/A

HELOC -  100% LTV

100% LTV, Prime + 1.50% 
(Index = Last day of last month Prime or 4.50% whichever is greater; rate adjusts monthly)
6.25 % N/A
PROPERTY EQUITY
80% LTV (0-60 Months) 2.99 % 60
80% LTV (61-180 Month with a 5 year balloon) 3.24 % 180
80% LTV (61-120 Months) 3.99 % 120
85% LTV (0-60 Months) 3.99 % 60
85% LTV (61-180 Month with a 5 year balloon) 4.24 % 180
85% LTV (61-120 Months) 4.99 % 120
100% LTV (0-60 Months) 4.99 % 60
100% LTV (61-120 Months) 5.99 % 120
PROPERTY / HOME IMPROVEMENTS
0-48 Months (unsecured) 5.99 % 48
49-84 Months (unsecured) 6.99 % 84
133% LTV 0-120 Months (secured & unsecured) 133% LTV


STUDENT LOANS
5.99%


7.00%
120

Share Account Rates

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Type Dividend Rate Annual Percentage Yield (APY)
0.05% 0.05%
ESTATE SAVINGS - S13 1.46% 1.47%
FLOATING IRA SAVINGS
Employee Distribution IRA (Traditional) (Daily/Monthly)
0.05% 0.05%
$5 - $2,499 balance 0.07% 0.07%
$2,500 - $4,999 balance 0.07% 0.07%
Over $5,000 balance
0.07% 0.07%
HEALTH SAVINGS ACCOUNTS (HSA)
$5 - $2,499 balance 0.10% 0.10%
$2,500 - $4,999 balance 0.10% 0.10%
Over $5,000 balance 0.15% 0.15%
FLOATING IRA SAVINGS | Traditional, Roth & Education (Daily/Monthly)
$5 - $9,999 balance 0.10% 0.10%
$10,000 - $49,999 balance 0.15% 0.15%
$50,000 + balance 0.20% 0.20%
MONEY MARKET SAVINGS
$25,000 - $49,999 balance
*Balance below $25,000 will earn the Tier 3 Super Savers Rate
0.15% 0.15%
$50,000 + balance 0.20% 0.20%
WINcentive SAVINGS
0.20% 0.20%



CHECKING ACCOUNTS
Simply Free Checking N/A N/A
Gold Club Checking (55 & better) N/A N/A
Teen Club Checking (13 - 18) N/A N/A
MONEY MARKET CHECKING
$1,500 - $9,999 balance 0.05% 0.05%
$10,000 - $49,999 balance 0.10% 0.10%
$50,000 + balance 0.15% 0.15%
BUSINESS CHECKING
Regular Business Checking N/A N/A
BUSINESS DIVIDEND CHECKING
$5,000 - $9,999 balance 0.10% 0.10%
$10,000 - $49,999 balance 0.20% 0.20%
$50,000 balance or greater 0.20% 0.20%
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Term Share Certificates

Type Dividend Rate APY
0.20% 0.20%
Daily/Quarterly (6 Months) 0.25% 0.25%
Daily/Quarterly (7 Months) 60th Anniversary Special! 0.60% 0.60%
0.40% 0.40%
0.70% 0.70%
Daily/Quarterly (18 Months) 0.45% 0.45%
Daily/Quarterly (23 Months) Special! 
Earn up to 1.15%apy, based on new money and/or MMFCU relationship.
1.00% 1.00%
Daily/Quarterly (24 Months) 0.60% 0.60%
Daily/Quarterly (35 Months) Special!
Earn up to 1.25%apy, based on new money and/or MMFCU relationship.
1.10% 1.11%
Daily/Quarterly (36 Months) 0.75% 0.75%
Daily/Quarterly (48 Months) 0.95%
0.95%


 

 
 


Special Certificates & Current Promotions

Type Dividend Rate Annual Percentage Yield (APY)


0.45 % 0.45 %
BUMP CERTIFICATES

Bump Term Share Account
$5,000 minimum | 24 Months (may bump once per term)
0.45 % 0.45 %
0.60 % 0.60 %
FAST FORWARD TERM SHARE CERTIFICATES

Fast Forward Term Share Account
$10 minimum | 36 Months
**requires monthly deposits between $10.00 & $500.00
1.92% 1.93 %
New CD Specials-



7 MONTH Term Share Certificate
Earn up to .75%apy, based on new money and/or MMFCU relationship.
0.60% 0.60%
13 MONTH Term Share Certificate
Earn up to .85%apy, based on new money and/or MMFCU relationship.
0.70%
0.70%
23 MONTH Term Share Certificate
Earn up to 1.15%apy, based on new money and/or MMFCU relationship.
1.00%
1.00%
35 MONTH Term Share Certificate
Earn up to 1.25%apy, based on new money and/or MMFCU relationship.
1.10%
1.11%

All rates effective 1/3/2017 - 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 3.50% “Consult your tax advisor about destructibility 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 test

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