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MSCU Rates

Rates effective December 1, 2018 and are subject to change.

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Auto Loans
Term
APR*
New Auto Loans (2017-2018 models under 10K miles)
36 - 66 Months
2.99% F
67 - 75 Months
3.49% F
76 - 84 Months
4.49% F
Used Auto Loans (2012 or newer with under 125K miles)
36 - 66 Months
3.19% F
67 - 75 Months
3.59% F
76 - 84 Months
4.99% F
Used Auto Loans (2006 - 2011)
115% LTV
NA
4.99% F
Electric Vehicle (eV Loan)
12-66 Mo.
2.75% (F)
Motorcycle (New only - 80% LTV)
24-60 Mo.
4.99% (F)

LTV is based on NADA guide retail value. Posted rates include a 0.25% discount for direct debit from an MSCU Checking Account. Add 0.25% to listed rates for auto loans of $55,000 and above.

Apply for an Auto Loan
Personal Loans
Limit
Term
APR*
Computer Loan (copy of receipt needed)
$3,500
12 - 24 Months
1.99% F
Cash Plus Credit Line/Overdraft Protection
$5,000
10.00% F
Personal Unsecured / Debt Consolidation
$15,000
12 - 60 Months
6.99% F
Secure Savings
$100,000
12 - 60 Months
Savings Rate +3% (V)
Secured Certificate
$100,000
Varies
Certificate Rate +3% (V)
Smart-E Loan - Max APR
5 Years
4.49% F
7 Years
4.99% F
10 Years
5.99% F
Smart-E Loan
12, 15 or 20 Years
6.99% F

Apply for a Personal Loan
Credit Cards
Limit
APR*
VISA Signature
$25,000
14.50% V
VISA Platinum Premium
$15,000
11.90% V
VISA Platinum
$15,000
12.90% V

All VISA accounts have a variable rate.

Apply for a Credit Card
Pre-Qualify for a Mortgage
Mortgage Rates
Term
Points
Rate
APR*
30 Year
0
4.875%
4.894% F
20 Year
0
4.500%
4.526% F
15 Year
0
4.375%
4.408% F

The information provided assumes the purpose of the loan is to purchase or refinance a primary residence with a rate lock period of 60 days and an assumed credit score of 700 and loan amounts between $100,000 & $453,100 ($601,450 in Fairfield County only). Similar rates available for higher or lower loan amounts; LTV 75%-90% and lower credit history. A No PMI program is available for maximum loan to values of 90%. An escrow account may be required. Rates are subject to change.

Adjustable Rate Mortgages
Term
Min. Loan Amount
Rate
APR*
5/1 - 2% Initial Cap
$50,000
3.750% 0 Point
3.773% V
(First Time Home Buyer)
7/1 - 2% Initial Cap
$50,000
4.00% 0 Point
4.023% V

The information provided assumes the purpose of the loan is to purchase or refinance a primary residence with a rate lock period of 60 days and an assumed credit score of 700 and loan amounts between $100,000 & $453,100 ($601,450 in Fairfield County only). Similar rates available for higher or lower loan amounts; LTV 75%-90% and lower credit history. A No PMI program is available for maximum loan to values of 90%. An escrow account may be required. Rates are subject to change.

Pre-Qualify for a Mortgage
Mortgage Accelerators
Term
Max Loan Amount
APR*
8 Year
$400,000
3.50% F
12 Year
$400,000
3.625% F

Mortgage Accelerator rates include a 0.25% discount for direct debit. Discounts cannot be combined with other offers.

Home Equity Loans
Term
Limit
APR*
5 Year
$400,000
4.00% F
10 Year
$400,000
4.50% F
15 Year
$400,000
4.875% F
20 Year
$400,000
6.25% F

Home Equity Loan rates include a 0.25% discount for direct debit. Discounts cannot be combined with other offers. Posted APR for 5, 10, 15 and 20 year terms are the rates for home equity loan amounts of $50,000 and over. For home equity loans under $50,000 add an additional 0.25% to the posted interest rate. Minimum Home Equity Loan amount is $25,000. Maximum LTV is 80%.

Apply for a Home Equity Loan
Home Equity Line of Credit
Term
Limit
APR*
$100,000 - $400,000 - Prime minus 0.5% for life - 4% Floor
15 Year
$400,000
4.75% V
$50,000 - $99,999 - Prime minus 0.25% - 4% Floor
15 Year
$400,000
5.00% V
$25,000 - $49,999 - Prime for life - 4% Floor
15 Year
$400,000
5.25% V

Variable rate is based on Prime Rate as published in the Wall Street Journal. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates assume maximum loan to value of 80%.

Apply for a Home Equity Line of Credit
CDs / IRAs
Term
Rate
APY*
Min. Opening Deposit
Min. Balance for Dividends
CDs Only
3 Months
0.15%
0.15% F
$500.00
$500.00
CDs Only
6 - 8 Months
0.15%
0.15% F
$500.00
$500.00
CDs Only
9 - 11 Months
0.20%
0.20% F
$500.00
$500.00
12 Months
0.25%
0.25% F
$500.00
$500.00
Special
15 Months
2.47%
2.50% F
$2,500.00
$500.00
18 Months
0.30%
0.30% F
$500.00
$500.00
Special
22 Months2
3.20%
3.25%
$2,500.00
$500.00
24 Months
0.35%
0.35% F
$500.00
$500.00
24 Months
2.852%
2.89% V
$500.00
$500.00
36 Months
0.60%
0.60% F
$500.00
$500.00
48 Months
0.75%
0.75% F
$500.00
$500.00
60 Months
1.74%
1.75% F
$500.00
$500.00
Step-Up1 Special
61 Months
2.72%
2.75% F
$500.00
$500.00

Early withdrawals on Share Certificates with terms less than 12 months will incur a penalty of 90 days of dividends, whether earned or not. Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not. The rate on Variable Certificates is based on the prior month 24-Month Treasury bill plus .05%, and can change monthly during the term.
Early withdrawals on IRA Certificates with terms less than 12 months will incur a penalty of 90 days of dividends, whether earned or not. Early withdrawals on IRA Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not. Members age 59.5 or older making normal periodic withdrawals or receiving periodic payments from their IRA Certificates are exempt.
1Step-up = one time rate adjustment to the current 60-month CD rate at the time you exercise your right to adjust during the term.
2Only funds not currently on deposit at MSCU are eligible.

Open an Account
Checking Accounts
Rate
APY*
Gain More Checking - on Balances up to $10,000
1.50%
1.50% V
Gain More Checking - on Balances over $10,000
0.05%
0.05% V
Gain More Checking - on Non-Qualifying Balances
0.01%
0.01% V
Advantage Checking - Balances $15,000+
0.05%
0.05% V
Advantage Checking - Balances $0 - $15,000
0.025%
0.025% V

Fees may reduce earnings. Please refer to our current Fee Schedule for more details.

Open an Account
Savings/Clubs
Rate
APY*
Min Opening Deposit
Min Balance for Dividends
1Savings Account
0.025%
0.025% V
$5.00
$100.00
2Save More - Balances up to $50,000
0.50%
0.50% V
N/A
N/A
2Save More - Balances over $50,000
0.10%
0.10% V
N/A
N/A
3Holiday Club
0.025%
0.025% V
$5.00
$100.00
4Vacation Club
0.025%
0.025% V
$5.00
$100.00

1A $3 monthly fee if balance falls below $5.
2Must be linked to a Gain More or Earn More Checking Account.
3Up to two withdrawals per year.
4No withdrawal limitations.

Open an Account
Money Market Accounts
Rate
APY*
Min Opening Deposit
Daily Balance
Personal Money Market1
0.25%
0.25% V
$2,500
$100,000 & Up
Personal Money Market1
0.15%
0.15% V
$2,500
$50,000 - $99,999.99
Personal Money Market1
0.10%
0.10% V
$2,500
$2,500 - $49,999.99
Individual Retirement Money Market2
0.25%
0.25% V
$100,000 & Up
Individual Retirement Money Market2
0.15%
0.15% V
$50,000 - $99,999.99
Individual Retirement Money Market2
0.10%
0.10% V
$50.00 - $49,999.99
Business Money Market3
0.25%
0.25% V
$50,000 & Up
Business Money Market3
0.15%
0.15% V
$10,000 - $49,999.99
Business Money Market3
0.10%
0.10% V
$1,000 - $9,999.99
Special Money Market Savings 4
2.47%
2.50% V
---
$100,000 & Up
Special Money Market Savings 4
2.23%
2.25% V
---
$50,000 - $99,999.99
Special Money Market Savings 4
1.98%
2.00% V
---
$2,500 - $49,999.99
Special Money Market Savings 4
1.49%
1.50% V
---
$1,000 - $2,499.99

1Balances between $1,000 and $2,500 earn regular savings rate. Balances under $1,000 earn no dividends. A $1.00 fee is charged when balance falls below $300. Fees may reduce earnings.
2No dividends are earned on balances less than $50.
3No dividends are earned on balances less than $1,000.
4Rates effective 10/15/2018 and is guaranteed through December 31, 2019. Minimum opening deposit is $2,500. Balances less than $1,000 will earn no dividends. The minimum balance to earn a dividend is $1,000. Only funds not currently on deposit at MSCU are eligible. After the promotional period ends, the rates and tiers of the Promotional Money Market Savings account will be the standard rates and tiers currently in effect at that time. We reserve the right to convert your Promotional Money Market Savings account to a standard Money Market Savings account without prior notice. Fees may reduce earnings. Offer is subject to change without notice and may be withdrawn at any time. Other restrictions may apply. See us for further details.

Open an Account
Health Savings Accounts (HSA)
Rate
APY*
Daily Balance
0.75%
0.75% V
$2,500 and Up
0.25%
0.25% V
$25.00 - $2,499.99

Account Closing Fee $35.00.

Open an Account
Example Name
125% LTV
12-66 Mo.
1.99%
Youth Products
Rate
APY*
Youth Savings Account
1.98%
2.00% V
Youth Savings - Over $2,000 Balance
0.20% V
Youth Savings - Balances Over $20,000
0.025%
24 Month Variable Rate Youth Share Certificate of Deposit (CD)
2.852%
2.89% V

The rate on Variable Certificates is based on the prior month 24-Month Treasury bill plus .05%, and can change monthly during the term. Early withdrawals on Share Certificates with terms of 12 months or more will incur a penalty of 180 days of dividends, whether earned or not.

Open an Account

Disclosures

*APY = Annual Percentage Yield | APR = Annual Percentage Rate

F = Fixed Rate | V = Variable Rate

LTV = Loan-to-Value

Loan rates disclosed are the lowest rates available and are based on borrower(s) being a member of MSCU. Your actual rate may vary and can be higher based on creditworthiness.  Auto, Home Equity, Mortgage Accelerator and Personal (secured and unsecured) Loan rates include a 0.25% discount for direct debit from a MSCU Checking Account.

All rates and terms are subject to change without notice. Other restrictions may apply.

Mutual Security limits the aggregate deposit balance of a member to $250,000 unless approved by Management in advance.

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