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Loan Rates

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Type
Annual Percentage Rate (APR)

Rates as low as 2.74%APR
BOATS & RVS
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.%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)
Rates as low as

8.99%APR
VISA Platinum Rewards Credit Card
Non-variable rate (adjusted January 1 & July 1 based on individual Beacon score)
Rates as low as

9.99%APR


HOME LOANS


Construction Loans 3.99%APR
Jumbo Loans 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.





Share Account Rates

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Type Annual Percentage Yield (APY)
0.05%
ESTATE SAVINGS - S13 1.61%
FLOATING IRA SAVINGS
Employee Distribution IRA (Traditional) (Daily/Monthly)
0.05%

$5 - $2,499 balance 0.07%
$2,500 - $4,999 balance 0.07%
Over $5,000 balance  0.07%
YES (Youth Education Savings Account)
$5 - $500 balance 3.00%
Over $500 balance
0.05%
(blended APY .79 - 3.00%)
HEALTH SAVINGS ACCOUNTS (HSA)
$5 - $2,499 balance 0.10%
$2,500 - $4,999 balance 0.10%
Over $5,000 balance 0.15%
FLOATING IRA SAVINGS | Traditional, Roth & Education (Daily/Monthly)
$5 - $9,999 balance 0.10%
$10,000 - $49,999 balance 0.15%
$50,000 + balance 0.20%
MONEY MARKET SAVINGS
$25,000 - $49,999 balance
*Balance below $25,000 will earn the Tier 3 Super Savers Rate
0.65%
$50,000 - $99,999 balance
$100,000 - $249,999 balance
$250,000 + balance
0.75%
0.80%
0.85%
WINcentive SAVINGS
0.20%


CHECKING ACCOUNTS
Simply Checking N/A
Gold Club Checking (55 & better) N/A
Teen Club Checking (13 - 18) N/A


KASASA® Rewards Products 
(dividends calculated daily/paid (compounded) monthly

KASASA Cash Checking (qualified accounts)
On balances up to $10,000 2.00%
$10,000 + balances 0.15%
(blended APY .032 - 2.00%)
KASASA Savers
(must be enrolled in Kasasa Cash or Kasasa Cash Back checking)

On balances $25,000 and under 1.00%
$25,000 + balances 0.15%
(blended APY .032 - 1.00%)


MONEY MARKET CHECKING
$1,500 - $9,999 balance 0.05%
$10,000 - $49, 999 balance 0.10%
$50,000 + balance 0.15%
IOLTA Lawyers Trust Checking ($5,000- $9,999) 0.10%
$50,000 + balances 0.20%
BUSINESS CHECKING
Regular Business Checking N/A
BUSINESS DIVIDEND CHECKING
$5,000 - $9,999 balance 0.10%
$10,000 - $49,999 balance 0.20%
$50,000 balance or greater 0.20%
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Term Share Certificates

Type Annual Percentage Yield (APY)
0.45%
Daily/Quarterly (6 Months) 0.75%
Daily/Quarterly (12 Months) 1.25%
rate as high as
1.80%
 1.50%
Daily/Quarterly (17 Months) Special!
Rate based on new money and/or MMFCU relationship .
rate as high as
2.00%
Daily/Quarterly (24 Months) 1.75%
Daily/Quarterly (35 Months) Special!
Rate based on new money and/or MMFCU relationship.
rate as high as
2.45%
Daily/Quarterly (36 Months)  2.00%
Daily/Quarterly (48 Months) 2.15%







Special Certificates & Current Promotions

Type Annual Percentage Yield (APY)

 1.85%
BUMP CERTIFICATES
Bump Term Share Account
$5,000 minimum | 24 Months (may bump once per term)
 1.60 %
1.85 %
FAST FORWARD TERM SHARE CERTIFICATES
Fast Forward Term Share Account
$10 minimum | 36 Months
**requires monthly deposits between $10.00 & $500.00
1.62%

 
All rates effective 12/02/2019 - 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.
 

 *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. "New money" for CD rate increase is $5,000 or greater. 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. test


YES balances up to $500 receive an APY of 3.00%APY and balances over $500 earn 0.05%APY interest rate on the portion of balance over $500. APY= Annual Percentage Yield. APY will range .05 - 3.00%APY. APY is accurate as of 6/1/19. Dividends will be credited on the last calendar day of each month to the YES account. No minimum deposit is required to open a YES account. Limit one account per social security number.

 

KASASA Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle (which means a period beginning on the last business day of the month and ending on the day prior to the last business day of the month) in order to qualify for the account’s rewards. Please click here for dates. The following activities do not count toward earning account rewards: Transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.00%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2.00% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $25,000 in your Kasasa Saver account receive an APY of 1.00% and balances over $25,000 earn 0.15% interest rate on the portion of balance over $25,000. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of 5.00 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. ATM & Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account(s). Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account(s). When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 6/1/18. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account. Qualifications and rewards may vary by account. Monthly qualifications include: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA. If account doesn’t qualify for 3 consecutive months, account will be transferred out of Kasasa product and into a Simply Free Checking.

*APY=Annual Percentage Rate

VISA Disclosures

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