Maximum mileage on 2018 and 2017 must be less than 20,000 miles to receive the 1.99% rate. LTV is based on NADA guide retail value.
All VISA accounts have a variable rate.
Rates are for purchase mortgages between $100,000 & $453,100 ($601,450 in Fairfield County) with a 20% down payment for applicable term. 60 day rate lock. Similar rates available for higher or lower loan amounts, LTV over 80%, lower credit levels and refinances. No PMI program available for maximum loan to values of 90%. Rates are subject to change.
Maximum Loan Amount of $453,100; $601,450 in Fairfield County, CT. Assumed 20% equity. Up to 90% loan to value available at higher rates.
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, 7, 10 and 15 year terms is the rate for home equity loan amounts of $20,000 and over. For home equity loan rates under $20,000 add an additional .25% to the posted rate. Posted APR for 20-year term 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.
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 and terms are accurate as of Thursday, February 01, 2018 and are subject to change. Rates assume maximum loan to value of 80%. 90% financing available at higher rates.
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.
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.
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. Terms shown are the best terms available.
All rates 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.
