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.
All VISA accounts have a variable rate.
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.
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.
Mortgage Accelerator rates include a 0.25% discount for direct debit. Discounts cannot be combined with other offers.
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%.
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%.
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.
Fees may reduce earnings. Please refer to our current Fee Schedule for more details.
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.
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.
Account Closing Fee $35.00.
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.
*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.
