MSCU Rates

LTV is based on NADA guide retail value. All MSCU auto loans have a one-time $85 Processing Fee. Posted rates include a 0.25% discount for direct debit. Add 0.25% to listed rates for auto loans of $55,000 and above. Existing MSCU auto loans are not eligible. Additional terms and rates are available. Sample monthly payment per $1,000 borrowed for 36 months @4.79% is $29.88.

Additional terms and rates are available. All personal loans have a $85 processing fee, which is deducted from the loan proceeds. Posted rates include a 0.25% discount for direct debit. Sample monthly payment for Personal Unsecured per $1,000 borrowed for 36 months @ 7.99% is $31.33. Smart-E Loan APR is based on creditworthiness, loan terms and project acceptance by the CT Green Bank Smart-e program. Sample monthly payment for Smart-E Loan per $1,000 borrowed for 60 months at 4.49% is approximately $18.65.

All VISA accounts have a variable rate.

Mortgage Accelerator rates include a 0.25% discount for direct debit. Discounts cannot be combined with other offers. All Mortgage Accelerator loans have a $1,899 processing fee. The information provided assumes the purpose of the loan is to refinance a primary residence. Rates are based on an assumed credit score of 740, 75% loan to value(LTV) and loan amount based on FHA loan limits per county.

Home Equity Loan rates include a 0.25% discount for direct debit. Discounts cannot be combined with other offers. Minimum Home Equity Loan amount is $25,000. Maximum LTV is 70%. All fixed rate Home Equity Loans have a processing fee of $625.

New Home Equity Lines of Credit with a minimum Rate (APR) of 4.00% nor exceed a maximum of 18.00%. A variable rate will apply based on The Wall Street Journal Prime Rate. The APR shown is our lowest available, your rate may be higher depending on credit history and underwriting criteria. Advertised rates assume maximum loan to value of 70%. Maximum Line amount of $400,000. Term is 15 years. Subject to appraisal and credit approval. Offer may be withdrawn at any time. A $50 annual HELOC fee will be charged annually during the 5-year draw period.

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.
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.
*APY = Annual Percentage Yield. Minimum deposit is $500. APY Rate requires the member have or open an Elevated Checking Account.
**APY = Annual Percentage Yield. Minimum deposit is $500. APY Rate requires the member have or open an Elevated Checking Account. Without an Elevated Checking Account APY will be 4.00%. New money only. The annual percentage yield you will earn assumes dividends remain until maturity. 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. Offer may be withdrawn at any time without notice. Membership in MSCU is required with a minimum $5 deposit into a Membership Account. Rates effective 12/19/2022.

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

Account Closing Fee $35.00.