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The Board of Directors have declared the dividends for the 4th Quarter of 2012 as follows:
|
Account
|
APR*
|
APY*
|
|
Shares (Savings)
|
.50%
|
.50%
|
|
Share Draft (Checking)
|
.25%
|
.25%
|
|
IRA
|
1.50%
|
1.51%
|
Share Certificates
Share Certificate rates effective as of July 30, 2012 and are subject to change without notice.
|
Term
|
APR*
|
APY*
|
|
6 months
|
.60%
|
.60%
|
|
12 months
|
.60%
|
.60%
|
|
18 months
|
.75%
|
.75%
|
|
24 months
|
.75%
|
.75%
|
|
30 months
|
1.00%
|
1.01%
|
|
36 months
|
1.00%
|
1.01%
|
|
48 months
|
1.40%
|
1.41%
|
|
60 months
|
1.75%
|
1.77%
|
*APY is the Annual Percentage Yield
*APR is the Annual Percentage Rate
*Penalty to result in early withdrawal of funds.
IRA Certificates
IRA Certificate rates effective as of July 30, 2012 and are subject to change without notice
|
Term
|
APR*
|
APY*
|
|
18 months
|
.75%
|
.75%
|
|
24 months
|
.75%
|
.75%
|
|
30 months
|
1.00%
|
1.01%
|
|
36 months
|
1.00%
|
1.01%
|
|
48 months
|
1.40%
|
1.41%
|
|
60 months
|
1.75%
|
1.77%
|
*APY is the Annual Percentage Yield
*APR is the Annual Percentage Rate
*Penalty to result in early withdrawal of funds.
Loan Rates
| New Autos |
|
Term |
APR* |
| |
|
36 months |
4.75% |
| |
|
48 months |
4.75% |
| |
|
60 months |
4.75% |
| |
|
72 months |
5.99% |
| |
|
|
|
| Used Autos |
|
Term |
APR* |
| |
1-3 years |
60 months |
5.50% |
| |
4-7 years |
60 months |
6.49% |
| |
8-10 years |
36 months |
8.49% |
| |
|
|
|
| New Recreational Vehicle / Appliance |
|
Term |
APR* |
| |
|
Based on Value |
6.49% |
| |
|
|
|
| Used Recreational Vehicle / Appliance |
|
Term |
APR* |
| |
|
Based on Model Year |
6.49% |
| |
|
|
|
| Personal Loans |
|
Term |
APR* |
| |
|
48 months |
9.99% |
| |
|
|
|
| Mortgage Loans |
|
Term |
APR* |
| |
|
15 Year Fixed |
4.75% |
| |
|
10 Year Fixed |
4.50% |
| |
|
5 Year Fixed |
4.25% |
| |
|
|
|
| |
|
30 Year Variable |
.5% above wall street journal rate |
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* APR is the Annual Percentage Rate
**The lowest rate is posted, but rates may vary based on term and credit history of the individual applying.
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Certificate Secured
The Annual Percentage Rate (APR) for a share certificate secured advance will be 2.5% above the dividend rate being paid on the share certificate offered as security for the advance. Share certificates must be renewed until the advance is completely paid. When the share certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in an increase in your payment. The APR and daily periodic rate will be disclosed on the voucher at the time of the advance.
*You agree to pay all costs of collecting the amount you owe under this agreement, including reasonable attorney fees, to the extent permitted by state law.
**If Members Choice Credit Union has a security interest in any vehicle or appliance, the member will pay the filing fee.
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