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MSCU Rates

Rates effective October 8, 2021 and are subject to change.

View Featured Rates
Auto Loans
Term
APR*
New Auto Loans (2020-2022 models under 10K miles)
12 - 36 Months
1.99% F
37 - 48 Months
2.09% F
49 - 63 Months
2.19% F
64 -72 Months
2.69% F
73 - 78 Months
2.99% F
Used Auto Loans (2016 or newer with under 125K miles)
12 - 36 Months
2.09% F
37 - 48 Months
2.19% F
49 - 63 Months
2.29% F
Used Auto Loans (2011 - 2015)
12 - 36 Months
3.49% F
New Electric Vehicle (eV Loan) receive an additional .24% off lowest qualified rate.
12 - 48 Months

LTV is based on NADA guide retail value. All MSCU auto loans require a $75 Vendor Single Interest (VSI). 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 @ 2.49% is $29.96.

Apply for an Auto Loan
Personal Loans
Limit
Term
APR*
Personal Unsecured / Debt Consolidation
$10,000
36 Months
4.99% F
 
$15,000
36 Months
5.99% F
 
$20,000
36 Months
6.99% F
 
$25,000
36 Months
7.99% F
Savings Secured
$100,000
12 - 60 Months
Savings Rate +3% (V)
Certificate Secured
$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 or 15 Years
6.99% F

Additional terms and rates are available. All personal loans have a $75 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 @ 4.99% is $28.86. 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 $18.64.

Apply for a Personal Loan
Credit Cards
Limit
APR*
VISA Signature
$25,000
12.50% V
VISA Platinum Premium
$15,000
9.90% V
VISA Platinum
$15,000
10.90% V

All VISA accounts have a variable rate.

Apply for a Credit Card
Mortgage Rates
Term
Points
Rate
APR*
30 Year
0
2.875%
2.902%
20 Year
0
2.875%
2.913%
15 Year
0
2.375%
2.424%

The information provided assumes the purpose of the loan is to purchase a single family primary residence with a rate lock period of 60 days. Rates are based on an assumed credit score of 740 , a maximum of 75% loan to value(LTV) and loan amounts between $300,000 & $548,250. A No PMI program is available on purchases or refinance up to a maximum of 97% LTV (Visit info.mscu.net/mha for more details). An escrow account may be required. Rates are subject to change.

Pre-Qualify for a Mortgage
Adjustable Rate Mortgages
Term
Min. Loan Amount
Rate
APR*
5/1 - 2% Initial Cap
$50,000
2.500% 0 Point
2.509% V
(First Time Home Buyer)
7/1 - 2% Initial Cap
$50,000
3.000% 0 Point
3.009% 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. Rates are based on an assumed credit score of 740 , a maximum of 75% loan to value(LTV) and loan amounts between $100,000 & $548,250 ($601,450 in Fairfield County only). A No PMI program is available on purchases or refinance up to a maximum of 97% LTV (Visit info.mscu.net/mha for more details). An escrow account may be required. Rates are subject to change.

Pre-Qualify for a Mortgage
20 Year
$400,000
6.25% F
Example Name
125% LTV
12-66 Mo.
1.99%
Mortgage Accelerators
Term
Max Loan Amount
Rate
APR*
8 Year
$500,000
2.375% F
2.472%
12 Year
$500,000
2.500% F
2.566%
15 Year
$500,000
2.625% F
2.679%

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.

Apply for a Mortgage Accelerator
Home Equity Loans
Term
Limit
Rate
APR*
5 Year
$400,000
4.000%
4.064% F
10 Year
$400,000
4.500%
4.534% F
15 Year
$400,000
4.875%
4.899% F

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 75%. All fixed rate Home Equity Loans have a $625 processing fee.

Apply for a Home Equity Loan
Example Name
125% LTV
12-66 Mo.
1.99%
Home Equity Lines
Limit
Term
APR*
$400,000
15 Year
1.99%

New Home Equity Lines of Credit with an Introductory Rate (APR) of 1.99% are available as of 03/15/2021. The introductory rate of 1.99% is for six (6) billing cycles from the loan funding date. After that, the APR cannot fall below the minimum 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 75%. 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.

Apply for a HELOC
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 Months
0.15%
0.15% F
$500.00
$500.00
CDs Only
9 Months
0.15%
0.15% F
$500.00
$500.00
12 Months
0.15%
0.15% F
$500.00
$500.00
18 Months
0.15%
0.15% F
$500.00
$500.00
24 Months
0.25%
0.25% F
$500.00
$500.00
24 Months
0.25%
0.25% V
$500.00
$500.00
36 Months
0.25%
0.25% F
$500.00
$500.00
48 Months
0.25%
0.25% F
$500.00
$500.00
60 Months
0.25%
0.25% 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 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.

Open an Account
Checking Accounts
Rate
APY*
Elevated Checking
0.025%
0.025%

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
Savings Account
0.025%
0.025%
$5.00
$100.00
1Holiday Club
0.025%
0.025%
$5.00
$100.00
2Vacation Club
0.025%
0.025%
$5.00
$100.00


1Up to two withdrawals per year.
2No withdrawal limitations.

Open an Account
Money Market Accounts
Rate
APY*
Min Opening Deposit
Daily Balance
Personal Money Market1
0.05%
0.05%
$2,500
$100,000 & Up
Personal Money Market1
0.05%
0.05%
$2,500
$50,000 - $99,999.99
Personal Money Market1
0.05%
0.05%
$2,500
$2,500 - $49,999.99
Business Money Market2
0.05%
0.05%
$50,000 & Up
Business Money Market2
0.05%
0.05%
$10,000 - $49,999.99
Business Money Market2
0.05%
0.05%
$1,000 - $9,999.99

1Balances between $1,000 and $2,500 earn regular savings rate. Balances under $1,000 earn no dividends. Fees may reduce earnings.
2No dividends are earned on balances less than $1,000. Fees may reduce earnings.

Open an Account
Health Savings Accounts (HSA)
Rate
APY*
Daily Balance
0.05%
0.05%
$2,500 and Up
0.05%
0.05%
$25.00 - $2,499.99

Account Closing Fee $35.00.

Open an Account
Example Name
125% LTV
12-66 Mo.
1.99%

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.

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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