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 2015-2020Learn 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 Months 100,000 max miles 4.50% 5.25% 6.25% 10.75% 11.75% 14.25%
  49 - 64 Months 75,000 max miles 6.25% 7.00% 8.00% 12.50% 13.50% 16.00%
Loan amount greater than $20,000 65 - 72 months 45,000 max miles 6.50% 7.25% 8.25% 12.75% 13.75% 16.25%
Loan amount greater than $30,000 73 - 84 months 25,000 max miles 7.00% 7.75% 8.75% 13.25% 14.25% 16.75%
% added to loan interest rate for excessive milage   0.50% 0.50% 0.50% 0.75% 0.75% 0.75%
Effective 09/30/2019              

 

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.

Vehicles - Model Years 2010-2014Learn 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 Months 100,000 max miles 5.75% 6.50% 7.50% 12.00% 13.00% 15.50%
  49 - 64 Months 75,000 max miles 6.75% 7.50% 8.50% 13.00% 14.00% 16.50%
Loan amount greater than $20,000 65 - 72 months 45,000 max miles 7.25% 8.00% 9.00% 13.50% 14.50% 17.00%
Loan amount greater than $30,000 73 - 84 months 25,000 max miles 7.75% 8.50% 9.50% 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 09/30/2019              

 

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 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, 2015 and up Up to 180 Months 6.25% 7.00% 8.00% 12.50% 13.50% 16.00%
Used RV/Motor-home, 2010 - 2014 Up to 180 Months 7.25% 8.00% 9.00% 13.50% 14.50% 17.00%
New Motorcycle, 2015 and up Up to 64 Months 5.00% 5.75% 6.75% 11.25% 12.25% 14.75%
Used Motorcycle, 2010 - 2014 Up to 64 Months 6.00% 6.75% 7.75% 12.25% 13.25% 15.75%
Boat New and Used, ATVs and Ski Jets, 2010 - 2020 Up to 64 Months 5.00% 5.75% 6.75% 11.25% 12.25% 14.75%
Effective 09/30/2019              

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 - $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 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 09/30/2019              

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 6.25% 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%
Effective 09/30/19              
*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 5.75% 1.00% 6.25% 1.50% 6.75% 2.00%

Effective 10/31/2019

 

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 and July 1st of each year.  The maximum interest rate is 16%, also called the ceiling rate.  The minimum interest rate is 5.00%, 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.

This loan is a line of credit.  There is a five-year draw period, then a 10-year repayment.  Payment is based on 1.50% of the balance; for example, a loan with a balance of $40,000 would be a $600.00 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.

MairSol 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.

MairSol 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 0.995% 1.00%
$5,000+ 0.100% 0.100%
Qualifications not met 0.05% 0.05%

Effective 09/30/19

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 0.20% 0.20%
Vacation & Christmas Club Accounts 0.20% 0.20%

Effective 09/30/19

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 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000+ 0.15% 0.15%

Effective 12/01/19

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 0.30% 0.300% 0.35% 0.40% 0.45% 0.50% 0.55%
12 Months 0.50% 0.500% 0.55% 0.60% 0.65% 0.70% 0.75%
24 Months 0.80% 0.803% 0.85% 0.90% 0.95% 1.00% 1.05%
36 Months 1.10% 1.106% 1.15% 1.20% 1.25% 1.30% 1.35%
60 Months 1.40% 1.409% 1.45% 1.50% 1.55% 1.60% 1.65%

Effective 12/01/19

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 0.20% 0.30%
IRA Savings $10,000 and above 0.25% 0.35%

 

Term Dividend Rate APY 1st Service 2nd Service 3rd Service 4th Service 5th Service
6 Months 0.30% 0.300% 0.35% 0.40% 0.45% 0.50% 0.55%
12 Months 0.50% 0.500% 0.55% 0.60% 0.65% 0.70% 0.75%
24 Months 0.80% 0.803% 0.85% 0.90% 0.95% 1.00% 1.05%
36 Months 1.10% 1.106% 1.15% 1.20% 1.25% 1.30% 1.35%
60 Months 1.40% 1.409% 1.45% 1.50% 1.55% 1.60% 1.65%
12 Month Coverdell IRA 1.00% 1.005% 1.05% 1.10% 1.15% 1.20% 1.25%
               

Effective 12/01/19

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.