Consumer Loan Rates

Rates Effective: January 23, 2015

Loan Type
Term in months
and mileage
Credit Score of
725+ 680-724 651-679 600-650 560-599 559 and under

Auto and Truck loans -

New and Used - Model Years

2005-2015


36 - 48 months
100,000 max miles
 4.00%  4.50%  5.00%  9.50%  10.00%  12.00%
 
49 - 64 months
75,000 max miles
 4.75%  5.25%  5.75%  10.25%  10.75%  12.75%
Amount greater than $20,000
65 - 72 months
45,000 max miles
 5.25%  5.75%  6.25%  10.75%  11.25%  13.25%
Amount greater than $30,000
73 - 84 months
25,000 max miles
 5.75%  6.25%  6.75%  n/a  n/a  n/a

Excess mileage rate adjustments
 
 0.50%  0.50%  0.50%  0.75%    0.75%  0.75%
 


     

Recreational Vehicles
New RV/Motor-home - 2007 and up
up to 180 months 
 6.25%  6.75%  7.25%  11.75%  12.25%  14.25%
Used RV/Motor-home - 2001 - 2006
up to 180 months 
 7.25%  7.75%  8.25%  12.75%  13.25%  15.25%


New Motorcycle 2007 and up
up to 64 months 
 5.50%  6.00%  6.50%  11.00%  11.50%  13.50%
Used Motorcycle -2001-2006
up to 64 months 
 6.50%  7.00%  7.50%  12.00%  12.50%  14.50%
Boat New and Used, ATVs and Ski Jets
up to 64 months 
 6.50%  7.00%  7.50%  12.00%  12.50%  14.50%

Personal Signature Loans
Signature - fixed rate and term
up to 60 months 
 9.50%  10.00%  10.50%  15.00%  15.50%  18.00%
Quick Loan - $50.00 non-refundable application fee/Non-credit qualification
4 months 
 18.00%  18.00%  18.00%  18.00%  18.00%  18.00%
Line of Credit
open 
 15.50%  15.50%  15.50%  15.50%  15.50%  15.50%
Loans secured by savings (shares)
up to 60 months 
 3.00%  3.00%  3.00%  3.00%  3.00%  3.00%
Loan secured by Share Certificates (CD's)
term of CD 
 3% over CD rate

Micro-Business Loans
Secured with collateral - 100%, up to $50,000
up to 84 months
5.75% 6.25% 6.75% 11.25% 11.75% 13.75%
Signature - fixed rate and term - up to $20,000
up to 60 months
7.75% 8.25% 8.75% 13.25% 13.75% 15.75%
Line of Credit- up to $15,000
open
10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
*Rate is dependent upon credit score and term of loan and mileage. A 100 basis point discount on the interest rate if a 10% or more down payment on a used or new vehicle. A 50 basis point discount on the interest rate if loan pays by payroll deduction or automatic transfer. MFCU reserves the right to require a down payment. No salvage titles. The payment on a $25,000 loan at 64 months at 5.15% APR is $447.56
 

 

 
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