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 2013-2018Learn 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 | 4.25% | 5.00% | 6.00% | 10.50% | 11.50% | 14.00% |
| No salvage titles | 49 - 64 Months 75,000 max miles | 5.25% | 6.00% | 7.00% | 11.50% | 12.50% | 15.00% |
| Amount greater than $20,000 | 65 - 72 months 45,000 max miles | 5.75% | 6.50% | 7.50% | 12.00% | 13.00% | 15.50% |
| Amount greater than $30,000 | 73 - 84 months 25,000 max miles | 6.25% | 7.00% | 8.00% | 12.50% | 13.50% | 16.00% |
| Excess mileage rate adjustments | 0.50% | 0.50% | 0.50% | 0.75% | 0.75% | 0.75% |
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 2008-2012Learn 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 | 5.25% | 6.00% | 7.00% | 11.50% | 12.50% | 15.00% |
| No salvage titles | 49 - 64 Months 75,000 max miles | 6.25% | 7.00% | 8.00% | 12.50% | 13.50% | 16.00% |
| Amount greater than $20,000 | 65 - 72 months 45,000 max miles | 6.75% | 7.50% | 8.50% | 13.00% | 14.00% | 16.50% |
| Amount greater than $30,000 | 73 - 84 months 25,000 max miles | 7.25% | 8.00% | 9.00% | N/A | N/A | N/A |
| Excess mileage rate adjustments | 0.50% | 0.50% | 0.50% | 0.75% | 0.75% | 0.75% |
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, 2009 and up | Up to 180 Months | 6.275% | 7.00% | 8.00% | 12.50% | 13.50% | 16.00% |
| Used RV/Motor-home, 2003 - 2008 | Up to 180 Months | 7.25% | 8.00% | 9.00% | 13.50% | 14.50% | 17.00% |
| New Motorcycle, 2009 and up | Up to 64 Months | 5.00% | 5.75% | 6.75% | 11.25% | 12.25% | 14.75% |
| Used Motorcycle, 2003 - 2008 | 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% |
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 | 10.25% | 11.00% | 12.00% | 16.50% | 17.50% | 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 |
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 | 6.25% | 7.00% | 8.00% | 12.50% | 13.50% | 16.00% |
| 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% |
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 |
|---|---|---|---|---|---|---|
| Up to $150,000 | 5.75% | 1.00% | 6.25% | 1.50% | 6.75% | 2.00% |
Effective 08/01/2018
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 | 4.625% | 4.939% | 4.875% | 5.319% | 5.250% | 5.699% |
Effective 08/01/2018
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 | 5.000% | 5.130% | 5.250% | 5.328% |
Effective 08/01/2018
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 | 0.10% | 0.10% |
| Vacation & Christmas Club Accounts | 0.10% | 0.10% |
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 | 0.85% | 0.85% | 0.90% | 0.95% | 1.00% | 1.05% | 1.10% |
| 36 Months | 1.00% | 1.00% | 1.05% | 1.10% | 1.15% | 1.20% | 1.25% |
| 60 Months | 1.20% | 1.20% | 1.25% | 1.30% | 1.35% | 1.40% | 1.45% |
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
| 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 | 0.85% | 0.85% | 0.90% | 0.95% | 1.00% | 1.05% | 1.10% |
| 36 Months | 1.00% | 1.00% | 1.05% | 1.10% | 1.15% | 1.20% | 1.25% |
| 60 Months | 1.20% | 1.20% | 1.25% | 1.30% | 1.35% | 1.40% | 1.45% |
| 12 Month Coverdell IRA | 0.85% | 0.85% | 0.90% | 0.95% | 1.00% | 1.05% | 1.10% |
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.
