Rates

Rates effective as of September 19, 2017 and are subject to change without notice.  

The rates listed are the lowest available rates and your actual rate may vary based on credit score and other factors.  Please contact an MCCU representative.

Dividends

The Board of Directors have declared the dividends for the 3rd Quarter of 2017 as follows:
Account APR* APY*
Shares (Savings) .50% .50%
Share Draft (Checking) .25% .25%
IRA 1.50% 1.51%
Christmas Club 2.48% 2.5%
Vacation Club 2.48% 2.5%

Share Certificates

Share Certificates
Term APR* APY*
6 months .65% .65%
12 months .75% .75%
18 months .80% .80%
24 months 1.10% 1.11%
30 months 1.15% 1.16%
36 months 1.25% 1.26%
48 months 1.75% 1.77%
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 Certificates
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

Loan Rates
New Autos   Term APR*
Up to 72 months 2.24%
Used Autos Term APR*
1-3 years Up to 72 months 2.24%
4-7 years Up to 60 months 2.24%
8-10 years Up to 60 months 3.24%
 10+ years Up to 60 months 5.24%
 New Recreational Vehicle / Appliance Term  APR*
Based on Value 6.24%
 Used Recreational Vehicle / Appliance Term  APR*
Based on Model Year 6.24%
 Personal Loans Term  APR*
48 months 9.74%
$1200 Promotional Loan 36 months 8.74%
Mortgage Loans Term APR*
5 Year Fixed 3.00%
10 Year Fixed 3.25%
15 Year Fixed 3.50%
20 Year Fixed 4.00%
30 Year Variable 4.50%
*APY is the Annual Percentage Yield
*APR is the Annual Percentage Rate
*The rates listed are the lowest available rates and your actual rate may vary based on credit score and other factors.

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. Please contact an MCCU representative.

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