Rates

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 2014-2019Learn 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
No salvage titles 36 - 48 Months 100,000 max miles 4.75% 5.50% 6.50% 11.00% 12.00% 14.50%
No salvage titles 49 - 64 Months 75,000 max miles 5.75% 6.50% 7.50% 12.00% 13.00% 15.50%
Amount greater than $20,000 65 - 72 months 45,000 max miles 6.25% 7.00% 8.00% 12.50% 13.50% 16.00%
Amount greater than $30,000 73 - 84 months 25,000 max miles 6.75% 7.50% 8.50% 13.00% 14.00% 16.50%
Excess mileage rate adjustments   0.50% 0.50% 0.50% 0.75% 0.75% 0.75%
Effective 01/25/2019              

Rates for Auto Loans may be adjusted for excess mileage, high loan to value or for being a classic car 25 years or older.

Vehicles - Model Years 2009-2013Learn 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
No salvage titles 36 - 48 Months 100,000 max miles 5.75% 6.50% 7.50% 12.00% 13.00% 15.50%
No salvage titles 49 - 64 Months 75,000 max miles 6.75% 7.50% 8.50% 13.00% 14.00% 16.50%
Amount greater than $20,000 65 - 72 months 45,000 max miles 7.25% 8.00% 9.00% 13.50% 14.50% 17.00%
Amount greater than $30,000 73 - 84 months 25,000 max miles 7.75% 8.50% 9.50% N/A N/A N/A
Excess mileage rate adjustments   0.50% 0.50% 0.50% 0.75% 0.75% 0.75%
Effective 01/25/2019              

Rates for Auto Loans may be adjusted for excess mileage, high loan to value or for being a classic car 25 years or older.

Recreational VehiclesLearn 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, 2007 and up Up to 180 Months 6.75% 7.50% 8.50% 13.00% 14.00% 16.50%
Used RV/Motor-home, 2001 - 2006 Up to 180 Months 7.75% 8.50% 9.50% 14.00% 15.00% 17.50%
New Motorcycle, 2007 and up Up to 64 Months 5.00% 5.75% 6.75% 11.25% 12.25% 14.75%
Used Motorcycle, 2001 - 2006 Up to 64 Months 6.00% 6.75% 7.75% 12.25% 13.25% 15.75%
Boat New and Used, ATVs and Ski Jets Up to 64 Months 5.00% 5.75% 6.75% 11.25% 12.25% 14.75%
Effective 01/25/2019              

Personal LoansLearn 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 10.50% 11.25% 12.25% 16.75% 17.75% 18.00%
Quick Loan - $35.00 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 15.50% 15.50% 15.50% 15.50% 15.50% 15.50%
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 01/25/2019              

Micro-Business LoansLearn 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 6.75% 7.50% 8.50% 13.00% 14.00% 16.50%
Signature, fixed rate and term, up to $20,000 Up to 60 Months 7.25% 8.00% 9.00% 13.50% 14.50% 17.00%
Line of Credit, up to $15,000 Open 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%
Effective 01/25/2019              
*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 CreditLearn 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 6.50% 1.00% 7.00% 1.50% 7.50% 2.00%

Effective 01/25/2019

This is a variable rate loan based on a margin plus the Wall Street Journal Prime Rate. The rate is adjusted on  January 1 and July 1 of each year.  Maximum interest rate is 16% (ceiling rate). Minimum interest rate is 5% (Floor rate).  There are no closing costs or annual fee.  Borrower must pay for appraisal at the time it is ordered by MariSol. There is a five year draw period, then a 10 year repayment. Payment is 1.50% of the balance - for $40,000 that is $600. Arizona owner occupied properties only.

15 Year Fixed Rate Mortgage Learn More

Loan Amounts Rate
Loan to Value Under 75%		 APR with 1% origination fee Rate
Loan to Value 76%-80%		 APR with 1% origination fee Rate
Loan to Value 81% - 85%		 APR with 1% origination fee
$15,000 - $150,000 4.750% 4.939% 5.000% 5.446% 5.250% 5.699%

Effective 01/25/2019

Loan for Arizona owner occupied homes only. Rate for first or second lien position.

The interest rates, annual percentage rates (APR's), origination fee and discount points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges. Your application does not constitute a rate lock. An escrow account may be required.

30 Year Fixed - Pay Yourself Mortgage Learn More

Loan Amounts Rate
Loan to Value 81%-89%		 APR with 1% origination fee Rate
Loan to Value 90% - 97%		 APR with 1% origination fee
$20,000 - $400,000 5.125% 5.256% 5.375% 5.508%

Effective 01/25/2019

Maricopa County owner occupied properties only. Ask a MariSol Loan Officer for income guidelines on this loan product.

The interest rates, annual percentage rates (APR's), origination fee and discount points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges. Your application does not constitute a rate lock. An escrow account may be required.

Rates are subject to change without notice and any mortgage rate quoted is not firm until it is locked in by writing.

Kasasa Cash*Learn More

Tier Dividend Rate APY
0 - $5,000 0.995% 1.00%
$5,000+ 0.100% 0.100%
Qualifications not met 0.05% 0.05%

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
  • 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 0.03% 0.03%
Kids Club Account 0.30% 0.30%
Vacation & Christmas Club Accounts 0.30% 0.30%

View our Truth in Savings Disclosure

Money Market AccountLearn More

Tier Dividend Rate APY
$1,000 - $2,499 0.10% 0.10%
$2,500 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.20% 0.20%
$50,000+ 0.25% 0.25%

View our Truth in Savings Disclosure

Share CertificateLearn More

Term Dividend Rate APY 1st Service 2nd Service 3rd Service 4th Service 5th Service
6 Months 0.40% 0.40% 0.45% 0.50% 0.55% 0.60% 0.65%
12 Months 0.60% 0.60% 0.65% 0.70% 0.75% 0.80% 0.85%
24 Months 0.90% 0.91% 0.95% 1.00% 1.05% 1.10% 1.15%
36 Months 1.20% 1.21% 1.25% 1.30% 1.35% 1.40% 1.45%
60 Months 1.50% 1.51% 1.55% 1.60% 1.65% 1.70% 1.75%

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/Share CertificatesLearn More

 

Account Dividend Rate APY
 IRA Savings $5.00 to $9,999 0.30% 0.30%
IRA Savings $10,000 and above 0.35% 0.35%

 

Term Dividend Rate APY 1st Service 2nd Service 3rd Service 4th Service 5th Service
6 Months 0.40% 0.40% 0.45% 0.50% 0.55% 0.60% 0.65%
12 Months 0.60% 0.60% 0.65% 0.70% 0.75% 0.80% 0.85%
24 Months 0.90% 0.91% 0.95% 1.00% 1.05% 1.10% 1.15%
36 Months 1.20% 1.21% 1.25% 1.30% 1.35% 1.40% 1.45%
60 Months 1.50% 1.51% 1.55% 1.60% 1.65% 1.70% 1.75%
12 Month Coverdell IRA 1.05% 1.06% 1.10% 1.15% 1.20% 1.25% 1.30%
               

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. Rates effective as of April 1, 2018. 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.