Rates and Fees for our Member-Owners
We’re a not-for-profit financial cooperative whose members are our owners. As such, we return our profits to you with lower rates on loans, higher earnings on savings, and fewer and lower service fees!
Vehicles - Model Years 2015-2020 Learn More
| Type | Term | 700+ Credit Score |
670 - 699 Credit Score |
640 - 669 Credit Score |
610 - 639 Credit Score |
580 - 609 Credit Score |
579 & under Credit Score |
|---|---|---|---|---|---|---|---|
| 36 - 48 Months100,000 max miles | 3.50% | 4.50% | 5.50% | 10.00% | 11.00% | 13.50% | |
| 49 - 64 Months75,000 max miles | 4.25% | 5.25% | 6.25% | 10.75% | 11.75% | 14.25% | |
| Loan amount greater than $20,000 | 65 - 72 months45,000 max miles | 4.50% | 5.50% | 6.50% | 11.00% | 12.00% | 14.50% |
| Loan amount greater than $30,000 | 73 - 84 months25,000 max miles | 4.75% | 5.75% | 6.75% | 11.25% | 12.25% | 14.75% |
| % added to loan interest rate for excessive mileage | 0.50% | 0.50% | 0.50% | 0.75% | 0.75% | 0.75% |
Effective 10/24/2020
Rates for auto loans can be adjusted for other factors such as loan to value and excessive mileage. All loan rates are subject to approval. A 100-basis point discount on the interest rate if loan pays by payroll deduction or automatic transfer. Rates quoted to not include the discount available.
MariSol does not accept a vehicle with a salvage title for loan collateral. The monthly payment on a loan for $20,000 at a 6.25% interest rate for 60 months would be $389.06.
Vehicles - Model Years 2010-2014 Learn More
| Type | Term | 700+ Credit Score |
670 - 699 Credit Score |
640 - 669 Credit Score |
610 - 639 Credit Score |
580 - 609 Credit Score |
579 & under Credit Score |
|---|---|---|---|---|---|---|---|
| 36 - 48 Months100,000 max miles | 3.50% | 4.50% | 5.50% | 10.00% | 11.00% | 13.50% | |
| 49 - 64 Months75,000 max miles | 4.25% | 5.25% | 6.25% | 10.75% | 11.75% | 14.25% | |
| Loan amount greater than $20,000 | 65 - 72 months45,000 max miles | 4.50% | 5.50% | 6.50% | 11.00% | 12.00% | 14.50% |
| Loan amount greater than $30,000 | 73 - 84 months25,000 max miles | 4.75% | 5.75% | 6.75% | N/A | N/A | N/A |
| % added to loan interest rate for excessive mileage | 0.50% | 0.50% | 0.50% | 0.75% | 0.75% | 0.75% |
Effective 10/24/2020
Rates for auto loans can be adjusted for other factors such as loan to value and excessive mileage. All loan rates are subject to approval. A 50-basis point discount on the interest rate if loan pays by payroll deduction or automatic transfer. Rates quoted to not include the discount available.
MariSol does not accept a vehicle with a salvage title for loan collateral. The monthly payment on a loan for $20,000 at a 6.25% interest rate for 60 months would be $389.06.
Recreational Vehicles Learn More
| Type | Term | 700+ Credit Score |
670 - 699 Credit Score |
640 - 669 Credit Score |
610 - 639 Credit Score |
580 - 609 Credit Score |
579 & under Credit Score |
|---|---|---|---|---|---|---|---|
| New RV/Motor-home, 2015 and up | Up to 180 Months | 5.00% | 6.00% | 7.00% | 11.50% | 12.50% | 15.00% |
| Used RV/Motor-home, 2010 - 2014 | Up to 180 Months | 6.00% | 7.00% | 8.00% | 12.50% | 13.50% | 16.00% |
| New Motorcycle, 2015 and up | Up to 64 Months | 4.75% | 5.75% | 6.75% | 11.25% | 12.25% | 14.75% |
| Used Motorcycle, 2010 - 2014 | Up to 64 Months | 5.75% | 6.75% | 7.75% | 12.25% | 13.25% | 15.75% |
| Boat New and Used, ATVs and Ski Jets, 2010 - 2020 | Up to 64 Months | 4.75% | 5.75% | 6.75% | 11.25% | 12.25% | 14.75% |
Effective 10/24/2020
Personal Loans Learn More
| Type | Term | 700+ Credit Score |
670 - 699 Credit Score |
640 - 669 Credit Score |
610 - 639 Credit Score |
580 - 609 Credit Score |
579 & under Credit Score |
|---|---|---|---|---|---|---|---|
| Signature - fixed rate and term | Up to 60 Months | 9.25% | 10.25% | 11.25% | 15.75% | 16.75% | 18.00% |
| Quick Loan - $45.00 non-refundable application fee/Non-credit qualification | 6 Months | 18.00% | 18.00% | 18.00% | 18.00% | 18.00% | 18.00% |
| Line of Credit | Open | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% |
| Loans secured by savings (shares) | Up to 60 Months | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% |
| Loan secured by Share Certificates (CD's) | Term of CD | 3% over CD rate | 3% over CD rate | 3% over CD rate | 3% over CD rate | 3% over CD rate | 3% over CD rate |
Effective 03/30/2020
Micro-Business Loans Learn More
| Type | Term | 700+ Credit Score |
670 - 699 Credit Score |
640 - 669 Credit Score |
610 - 639 Credit Score |
580 - 609 Credit Score |
579 & under Credit Score |
|---|---|---|---|---|---|---|---|
| Secured with collateral, 100%, up to $50,000 | Up to 84 Months | 3.75% | 4.75% | 5.75% | 10.25% | 11.25% | 13.75% |
| Signature, fixed rate and term, up to $50,000 | Up to 60 Months | 6.00% | 7.00% | 8.00% | 12.50% | 13.50% | 16.00% |
| Line of Credit, up to $50,000 | Open | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% | 10.00% |
Effective 03/30/2020
*Rate is dependent upon credit score and term of loan and mileage. MFCU reserves the right to require a down payment. 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. No salvage titles. The payment on a $25,000 loan at 64 months at 5.15% APR is $447.56.
Home Equity Lines of Credit Learn More
| Loan Amounts | Rate Loan to Value Under 75% |
Margin | Rate Loan to Value 76-80% |
Margin | Rate Loan to Value 81-85% |
Margin |
|---|---|---|---|---|---|---|
| From $15,000 to $150,000 | 4.25% | 1.00% | 4.75% | 1.50% | 5.25% | 2.00% |
Effective 10/01/2020
MairSol only lends on owner-occupied residential property in the State of Arizona. This is a variable rate loan based on a margin plus an index; the index is the Wall Street Journal Prime Rate. Margin is based on approval and loan to value. The loan rate is adjusted on January 1st of each year. The maximum interest rate is 14.00%, also called the ceiling rate. The minimum interest rate is 4.00%, also called the floor rate. There is no application fee or annual fee. There are no closing costs except for an appraisal fee, which costs range from $300 to $600. The borrower is required to pay for the appraisal fee at the time it is ordered by MariSol FCU. There is a $500.00 prepayment penalty in the first two (2) years of the loan.
This loan is a line of credit. There is a seven (7) year draw period, then an eight (8) year repayment. Payment is based on 1.50% of the balance; for example, a loan with a balance of $50,000 would be a $750.00 monthly payment. Please see the link for a copy of the Home Equity Line of Credit Disclosure for a complete disclosure of terms.
15 Year Fixed Rate Mortgage Learn More
CALL 602-252-6831 ASK FOR THE LOAN DEPARTMENT FOR CURRENT RATES. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE, AND ANY MORTGAGE RATE QUOTED IS NOT FIRM UNTIL IT IS LOCKED IN BY THE BORROWER AND THE LENDER IN WRITING.
MARISOL ONLY LENDS ON OWNER-OCCUPIED RESIDENTIAL PROPERTY IN THE STATE OF ARIZONA.
NMLS# 799641
30 Year Fixed - Pay Yourself Mortgage Learn More
CALL 602-252-6831 ASK FOR THE LOAN DEPARTMENT FOR CURRENT RATES. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE, AND ANY MORTGAGE RATE QUOTED IS NOT FIRM UNTIL IT IS LOCKED IN BY THE BORROWER AND THE LENDER IN WRITING.
MARISOL ONLY LENDS ON OWNER-OCCUPIED RESIDENTIAL PROPERTY IN THE STATE OF ARIZONA. THERE ARE INCOME GUIDELINES FOR THE PAY YOURSELF MORTGAGE. PLEASE CONTACT THE LENDING DEPARTMENT AT MARISOL FEDERAL CREDIT UNION FOR ALL PRODUCT GUIDELINES.
NMLS# 799641
Kasasa Cash* Learn More
| Tier | Dividend Rate | APY |
|---|---|---|
| 0 - $5,000 | 0.550% | 0.550% |
| $5,000+ | 0.050% | 0.050% |
| Qualifications not met | 0.030% | 0.030% |
Effective 09/30/20
Qualifications
To earn your rewards, enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least one $500 direct deposit/payroll deduction
- Be enrolled in and log into online banking
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning really high dividends and nationwide ATM withdrawal fee refunds the very next month.
View our Truth in Savings Disclosure
Savings Accounts
| Account | Dividend Rate | APY |
|---|---|---|
| Regular Savings | 0.01% | 0.01% |
| Kids Club Account | 0.05% | 0.05% |
| Vacation & Christmas Club Accounts | 0.05% | 0.05% |
Effective 09/30/20
View our Truth in Savings Disclosure
Money Market Account Learn More
| Tier | Dividend Rate | APY |
|---|---|---|
| $1,000 - $24,999 | 0.05% | 0.05% |
| $25,000 - $49,999 | 0.05% | 0.05% |
| $50,000+ | 0.05% | 0.05% |
Effective 10/01/2020
View our Truth in Savings Disclosure
Share Certificates Learn More
| Term | Dividend Rate | APY | 1st Service | 2nd Service | 3rd Service |
|---|---|---|---|---|---|
| 6 Months | 0.050% | 0.050% | 0.100% | 0.150% | 0.200% |
| 12 Months | 0.100% | 0.100% | 0.150% | 0.200% | 0.250% |
| 24 Months | 0.150% | 0.150% | 0.200% | 0.250% | 0.300% |
| 36 Months | 0.200% | 0.200% | 0.250% | 0.300% | 0.350% |
| 60 Months | 0.300% | 0.300% | 0.350% | 0.400% | 0.450% |
Effective 10/01/2020
Minimum balance is $500. Penalties for early withdrawal.
Earn More
Earn more on your share certificate with our Thank You for Being a Member Program. Just add additional services to earn more. Eligible services are:
- Direct deposit
- Kasasa checking account
- MFCU Mastercard®
- Money market account
- Total deposit of $20,000 or more
View our Truth in Savings Disclosure
Individual Retirement Accounts - Savings Learn More
| Account | Dividend Rate | APY |
|---|---|---|
| IRA Savings $5.00 to $9,999 | 0.10% | 0.10% |
| IRA Savings $10,000 and above | 0.10% | 0.10% |
Effective 09/30/20
Individual Retirement Accounts - Share Certificates Learn More
| Term | Dividend Rate | APY | 1st Service | 2nd Service | 3rd Service |
|---|---|---|---|---|---|
| 6 Months | 0.050% | 0.050% | 0.100% | 0.150% | 0.200% |
| 12 Months | 0.100% | 0.100% | 0.150% | 0.200% | 0.250% |
| 24 Months | 0.150% | 0.150% | 0.200% | 0.250% | 0.300% |
| 36 Months | 0.200% | 0.200% | 0.250% | 0.300% | 0.350% |
| 60 Months | 0.300% | 0.300% | 0.350% | 0.400% | 0.450% |
| 12 Month Coverdell IRA | 0.200% | 0.200% | 0.250% | 0.300% | 0.350% |
Effective 10/01/2020
Minimum balance is $500. Maximum balance for a 12 Month Coverdell IRA is $2,000. Penalties for early withdrawal.
Traditional and Roth IRA Annual Service Fee $15.00 (Effective 9/1/01)
Earn More
Earn more on your share certificate with our Thank You for Being a Member Program. Just add additional services to earn more. Eligible services are:
- Direct deposit
- Kasasa checking account
- MFCU Mastercard®
- Money market account
- Total deposit of $20,000 or more
View our Truth in Savings Disclosure
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings.
These rates are subject to change without prior notice. Please check this page often for the most current rates.
Note: Dividends are paid from current income and available earnings after required transfer at the end of the dividends period and not guaranteed.
