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Loan Rates |
Rates below are effective May 1, 2008 and are subject to change.
Auto, Home Equity and Personal (secured and unsecured) Loan rates include a .25% discount for direct debit from a MSCU account.
V= Variable Rate, F= Fixed Rate |
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| Loan** |
Limit |
Term |
Annual Percentage Rate* |
| New Auto/Truck |
100% Financing |
24 Mo. |
3.95% F |
(2008 & 2007 Models) |
100% Financing |
36 Mo. |
5.30% F |
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100% Financing |
48 Mo. |
5.70% F |
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100% Financing |
60 Mo. |
5.90% F |
| $25,000 min. |
100% Financing |
72 Mo. |
6.20% F |
| Motorcycle Loans |
80% Financing |
24- 60 Mo. |
1% above new auto rates |
| Used Auto/Truck |
100% Retail Price |
24 Mo. |
5.35% F |
| (2006 - 2002 Models) |
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36 Mo. |
6.25% F |
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48 Mo. |
6.60% F |
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60 Mo. |
7.05% F |
| 100% Retail Price N.A.D.A. Retail Value |
For longer terms on 2003-2004 vehicles please call (800) 761-2400, option 3. |
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NOTE: Retail price is based on NADA value. |
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| Older Models |
please call (800) 761-2400, option 3 for rates and terms. |
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Cash Plus Credit Line
(overdraft protection) |
$5,000 |
Varies |
8.50% F |
Computer Loan
copy of receipt needed |
$3,500 |
24 Mo. |
4.50% F |
| Visa Classic |
$500 - $10,000 |
Varies |
9.90% - 17.90% |
| Visa Gold |
$5,000 - $15,000 |
Varies |
8.90% - 16.90% |
| Visa Platinum |
$10,000 - $25,000 |
Varies |
8.50% - 11.90% |
| Visa Consolidations |
$15,000 |
Varies |
8.50% - 12.5% F |
| Personal Unsecured/Co-maker |
$7,500 |
60 Mo. |
10.15% - 14.15% F |
| Personal Auto Secured |
95% Retail Price (2004 or Newer) |
48 Mo. |
8.15% F |
| Personal Secured |
$15,000 |
60 Mo. |
9.40% F |
| Savings Secured |
$100,000 |
60 Mo. |
Rate + 2% F |
| Certificate Secured |
$100,000 |
48 Mo. |
Rate + 2% F |
| Stock Secured |
50% of value
($20,000 max.) |
60 Mo. |
9.50% F |
| Recreation Vehicles & Boats |
Call for current rates and terms. |
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| Home Equity Loan* |
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Posted APR is the rate for home equity loan amounts of $50,000 and over-
For home equity loan rates under $50,000 add an additional .25% to the posted rate |
| Home Equity Line** |
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Over $50,000 |
$400,000 |
15 Yr. |
4.75% V |
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Between $25,000 - $49,999 |
$400,000 |
15 Yr. |
5.00% V |
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Below $25,000 |
$400,000 |
15 Yr. |
5.25% V |
| Bridge (interim financing) |
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Click here for Mortgage Rates |
| * Depending upon credit qualifications. |
| ** Certain qualifications apply. Please check with your nearest credit union branch for details. |
Note: Loan rates are based on credit scores. Auto and Home Equity Loan rates include a .25% discount for direct debit from a MSCU account. Discounts cannot be combined with other offers. |
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phone
1-800-761-2400
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