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Loans | Savings | Term Share Accounts
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Mortgage Rates
All rates effective 4/28/08. Subject to change.
Note: Loan rates reflect 'Premium' 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 - 2006 to New |
5.29 |
5.29 |
66 |
Calculator |
| Autos & Motorcycles - 2006 to New |
5.79 |
5.79 |
84 |
Calculator |
| Autos & Motorcycles - 2004 to 2005 |
6.29 |
6.29 |
66 |
Calculator |
| Autos & Motorcycles - 2004 to 2005 |
6.79 |
6.79 |
72 |
Calculator |
| Autos & Motorcycles - 2003 to 2001 |
7.04 |
7.04 |
60 |
Calculator |
| Autos & Motorcycles - 2000 and Older |
10.04 |
10.04 |
48 |
Calculator |
| Boats and RV's - 2005 to New |
6.59 |
6.59 |
60 |
Calculator |
| Boats and RV's - 2005 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 - 2004 to 2001 |
8.34 |
8.34 |
60 |
Calculator |
| Boats and RV's - 2004 to 2001 |
8.64 |
8.64 |
84 |
Calculator |
| Boats and RV's - 2000 and Older |
11.34 |
11.34 |
48 |
Calculator |
| Other Secured - 2005 to New |
7.04 |
7.04 |
60 |
Calculator |
| Other Secured - 2004 to 2001 |
8.79 |
8.79 |
60 |
Calculator |
| Other Secured - 2000 and Older |
11.79 |
11.79 |
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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5.40 |
5.40 |
60 |
Calculator |
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Home Equity Loan (75% LTV - 5 year Balloon)
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5.40 |
5.40 |
180 |
Calculator |
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Home Equity Loan (85% LTV - 60 Mo.)
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5.65 |
5.65 |
60 |
Calculator |
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Home Equity Loan (85% LTV - 5 year Balloon)
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5.65 |
5.65 |
180 |
Calculator |
| Home Equity Loan (90% LTV - 60 Mo.) |
6.90 |
6.90 |
60 |
Calculator |
| Home Equity Loan (90% LTV - 5 year Balloon) |
6.90 |
6.90 |
180 |
Calculator |
| Construction Loan |
5.29 |
5.29 |
6 |
Calculator |
HELOC (Home Equity Line of Credit) 85% LTV, Prime - .25%
(Last day of last quarter Prime 5.00%, rate adjusts quarterly) |
4.75 |
4.75 |
n/a |
Calculator |
HELOC (Home Equity Line of Credit) 90% LTV, Prime +1.00%
(Last day of last quarter Prime 7.25%, rate adjusts quarterly) |
6.00 |
6.00 |
n/a |
Calculator |
HELOC (Home Equity Line of Credit) 100% LTV, Prime +1.35%
(Last day of last quarter Prime 7.25%, rate adjusts quarterly) |
6.35 |
6.35 |
n/a |
Calculator |
| Interest Only HELOC (Home Equity Line of Credit) 85% LTV, Prime - .25% (Last day of last month Prime 5.00%, rate adjusts monthly) |
4.75 |
4.75 |
n/a |
Calculator |
| Interest Only HELOC (Home Equity Line of Credit) 90% LTV, Prime +1.00% (Last day of last month Prime 5.00%, rate adjusts monthly) |
6.00 |
6.00 |
n/a |
Calculator |
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*APR = Annual Percentage Rate Current Prime Rate 5.00%
“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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Dividend Rate |
APY* |
| Regular Shares - S1 |
0.750 |
0.750 |
| Club Shares - S9 |
0.750 |
0.750 |
| Special Shares - S11 |
0.750 |
0.750 |
| Estate Savings - S13 |
2.25 |
2.28 |
| Super Savers - S2 ($5-$2,499 bal) |
1.000 |
1.000 |
| Super Savers - S2 ($2,500-$4,999 bal) |
1.040 |
1.050 |
| Super Savers - S2 (over $5,000 bal) |
1.090 |
1.100 |
| Money Market Checking ($1,500-$9,999 bal) |
0.500 |
0.500 |
| Money Market Checking ($10,000-$24,999 bal) |
1.640 |
1.650 |
| Money Market Checking($25,000-$49,999 bal) |
1.780 |
1.800 |
| Money Market Checking (over $50,000 bal) |
1.880 |
1.900 |
| Money Market Savings ($25,000-$49,999 bal) *Balance below $25,000 will earn the Tier 3 Super Savers Rate |
2.080 |
2.100 |
| Money Market Savings ($50,000-$99,999 bal) |
2.280 |
2.300 |
| Money Market Savings ($100,000-$249,999 bal) |
2.420 |
2.450 |
| Money Market Savings (over $250,000 bal) |
2.470 |
2.500 |
| Floating IRA Savings Traditional, Roth and Education (Daily/Monthly) ($5-$9,999 bal) |
1.490 |
1.500 |
| Floating IRA Savings Traditional, Roth and Education (Daily/Monthly) ($10,000-$49,999 bal) |
1.980 |
2.000 |
| Floating IRA Savings Traditional, Roth and Education (Daily/Monthly) ($50,000-$249,999 bal) |
2.23 |
2.25 |
| Floating IRA Savings Traditional, Roth and Education (Daily/Monthly) (over $250,000 bal) |
2.47 |
2.50 |
| Floating IRA Savings Employee Distribution IRA (Traditional) (Daily/Monthly) |
0.100 |
0.100 |
| Business Dividend Checking ($5,000-$9,999 bal) |
0.500 |
0.500 |
| Business Dividend Checking ($10,000-$24,999 bal) |
1.840 |
1.850 |
| Business Dividend Checking ($25,000-$49,999 bal) |
1.980 |
2.000 |
| Business Dividend Checking ($50,000 balance or greater) |
2.080 |
2.100 |
*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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| Term Share Accounts |
Dividend
Rate |
APY* |
Term |
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Standard Term Share Accounts - Regular and IRA Term Share Certificates
*APY = Annual Percentage Yield -- Dividends calculated daily / paid (compounded) quarterly -- Rates are based on an active MMFCU checking account - If not, deduct 0.25% APY to all share certificate rates. -- Includes Traditional, Roth and Education IRAs excluding the 3-month certificates. 3-month certificate only available as a Regular Account -- Tier placement determined at the time of account opening -- $1,000 minimum for Regular certificates -- $500 minimum for IRA's -- $100 minimum for Teen and Kids Club accounts -- IRA Accounts will earn .25% higher than the APY disclosed below.
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| Daily/Quarterly 3 Month (no IRA's) $1,000-$4,999 |
2.48 |
2.50 |
3 |
| Daily/Quarterly 3 Month (no IRA's) $5,000-$9,999 |
2.57 |
2.60 |
3 |
| Daily/Quarterly 3 Month (no IRA's) $10,000-$99,999 |
2.72 |
2.75 |
3 |
| Daily/Quarterly 3 Month (no IRA's) $100,000+ |
2.72 |
2.75 |
3 |
| Daily/Quarterly 6 Month (including IRA) $1,000-$4,999 |
2.72 |
2.75 |
6 |
| Daily/Quarterly 6 Month (including IRA) $5,000-$9,999 |
2.81 |
2.85 |
6 |
| Daily/Quarterly 6 Month (including IRA) $10,000-$99,999 |
2.97 |
3.00 |
6 |
| Daily/Quarterly 6 Month (including IRA) $100,000+ |
2.97 |
3.00 |
6 |
| Daily/Quarterly 12 Month (including IRA) $1,000-$4,999 |
2.87 |
2.90 |
12 |
| Daily/Quarterly 12 Month (including IRA) $5,000-$9,999 |
2.97 |
3.00 |
12 |
| Daily/Quarterly 12 Month (including IRA) $10,000-$99,999 |
3.11 |
3.15 |
12 |
| Daily/Quarterly 12 Month (including IRA) $100,000+ |
3.31 |
3.35 |
12 |
| Daily/Quarterly 18 Month (including IRA) $1,000-$4,999 |
2.87 |
2.90 |
18 |
| Daily/Quarterly 18 Month (including IRA) $5,000-$9,999 |
2.97 |
3.00 |
18 |
| Daily/Quarterly 18 Month (including IRA) $10,000-$99,999 |
3.11 |
3.15 |
18 |
| Daily/Quarterly 18 Month (including IRA) $100,000+ |
3.31 |
3.35 |
18 |
| Daily/Quarterly 24 Month (including IRA) $1,000-$4,999 |
2.97 |
3.00 |
24 |
| Daily/Quarterly 24 Month (including IRA) $5,000-$9,999 |
3.06 |
3.10 |
24 |
| Daily/Quarterly 24 Month (including IRA) $10,000-$99,999 |
3.21 |
3.25 |
24 |
| Daily/Quarterly 24 Month (including IRA) $100,000+ |
3.41 |
3.45 |
24 |
| Daily/Quarterly 36 Month (including IRA) $1,000-$4,999 |
2.97 |
3.00 |
36 |
| Daily/Quarterly 36 Month (including IRA) $5,000-$9,999 |
3.06 |
3.10 |
36 |
| Daily/Quarterly 36 Month (including IRA) $10,000-$99,999 |
3.21 |
3.250 |
36 |
| Daily/Quarterly 36 Month (including IRA) $100,000+ |
3.410 |
3.450 |
36 |
| Daily/Quarterly 48 Month (including IRA) $1,000-$4,999 |
2.970 |
3.000 |
48 |
| Daily/Quarterly 48 Month (including IRA) $5,000-$9,999 |
3.06 |
3.100 |
48 |
| Daily/Quarterly 48 Month (including IRA) $10,000-$99,999 |
3.210 |
3.250 |
48 |
| Daily/Quarterly 48 Month (including IRA) $100,000+ |
3.410 |
3.450 |
48 |
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Add-On 36 Month Term Share
($2,500 minimum opening deposit, $500 minimum for additions.)
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2.72 |
2.75 |
36 |
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Standard Term Share Accounts - Regular Term Share Certificates (No IRAs)
*APY = Annual Percentage Yield -- Dividends calculated daily / paid (compounded) quarterly -- Requirements for rates are listed with each product
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Daily/Quarterly 24 Month Bump Share Account $5,000+
(Rate based on active checking account or $2,500 in savings account. Rate may be bumped once during the term to .10% less than current 24 month quarterly term share account rate.)
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2.97 |
3.00 |
24 |
Daily/Quarterly 36 Month Bump Share Account $5,000+
(Rate based on active checking account or $2,500 in savings account. Rate may be bumped once during the term to .10% less than current 36 month quarterly term share account rate.) |
2.97 |
3.000 |
36 |
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Standard Term Share Accounts - Regular Term Share Certificates
*APY = Annual Percentage Yield -- Dividends calculated daily / paid (compounded) monthly. -- Dividends must transfer out each month -- Rates are based on an active MMFCU checking account - If not, deduct 0.25% APY to all share certificate rates. -- Tier placement determined at the time of account opening -- No IRAs offered -- $1,000 minimum for Regular certificates -- $100 minimum for Teen and Kids Club accounts
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| Daily/Monthly 6 Month $1,000-$4,999 |
2.72 |
2.72 |
6 |
| Daily/Monthly 6 Month $5,000-$9,999 |
2.81 |
2.81 |
6 |
| Daily/Monthly 6 Month $10,000-$99,999 |
2.97 |
2.97 |
6 |
| Daily/Quarterly 6 Month $100,000+ |
2.97 |
2.97 |
6 |
| Daily/Monthly 12 Month $1,000-$4,999 |
2.87 |
2.87 |
12 |
| Daily/Monthly 12 Month $5,000-$9,999 |
2.97 |
2.97 |
12 |
| Daily/Monthly 12 Month $10,000-$99,999 |
3.11 |
3.11 |
12 |
| Daily/Quarterly 12 Month $100,000+ |
3.31 |
3.31 |
12 |
| Daily/Monthly 18 Month $1,000-$4,999 |
2.87 |
2.87 |
18 |
| Daily/Monthly 18 Months $5,000-$9,999 |
2.97 |
2.97 |
18 |
| Daily/Monthly 18 Month $10,000-$99,999 |
3.11 |
3.11 |
18 |
| Daily/Quarterly 18 Month $100,000+ |
3.31 |
3.31 |
18 |
| Daily/Monthly 24 Month $1,000-$4,999 |
2.97 |
2.97 |
24 |
| Daily/Monthly 24 Month $5,000-$9,999 |
3.06 |
3.06 |
24 |
| Daily/Monthly 24 Month $10,000-$99,999 |
3.21 |
3.21 |
24 |
| Daily/Quarterly 24 Month $100,000+ |
3.41 |
3.41 |
24 |
| Daily/Monthly 36 Month $1,000-$4,999 |
2.970 |
2.970 |
36 |
| Daily/Monthly 36 Month $5,000-$9,999 |
3.06 |
3.06 |
36 |
| Daily/Monthly 36 Month $10,000-$99,999 |
3.210 |
3.210 |
36 |
| Daily/Quarterly 36 Month $100,000+ |
3.410 |
3.410 |
36 |
| Daily/Monthly 48 Month $1,000-$4,999 |
2.970 |
2.970 |
48 |
| Daily/Monthly 48 Month $5,000-$9,999 |
3.06 |
3.06 |
48 |
| Daily/Monthly 48 Month $10,000-$99,999 |
3.210 |
3.210 |
48 |
| Daily/Quarterly 48 Month $100,000+ |
3.410 |
3.410 |
48 |
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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.
Excess Share Insurance provides $250,000 in coverage on top of the federal governments (NCUA) $100,000. Because Individual Retirement Accounts (IRAs) are insured separately, they are protected up to $350,000, as well. So, by maintaining your non-retirement savings and your IRA (retirement account) at MMFCU, you may now have a combined savings insurance of $700,000. ESI is a wholly owned subsidiary of American Share Insurance (ASI), the nations largest private deposit insurer, and insures only credit unions meeting its high standards.
APY = ANNUAL PERCENTAGE YIELD RATE = RATE DIVIDENDS
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