MSCU Rates

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

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Auto Loans
Limit
Term
APR*
New Auto Loans
125% LTV
12 - 66 Months
1.99% F
125% LTV
67 - 75 Months
2.49% F
125% LTV
76 - 84 Months
3.49% F
Motorcycle
80% LTV
24 - 60 Months
4.49% F
Used Auto Loans
125% LTV
12 - 66 Months
2.49% F
125% LTV
67 - 75 Months
2.99% F
125% LTV
76 - 84 Months
3.99% F

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.

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 Secured Auto
$15,000
12 - 60 Months
6.50% 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
13.75% V
VISA Platinum Premium
$15,000
11.15% V
VISA Platinum
$15,000
12.15% 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
4.250%
4.285% F
25 Year
0
3.750%
3.792% F
15 Year
0
3.625%
3.640% F

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.

Adjustable Rate Mortgages
Term
Min. Loan Amount
Rate
APR*
4/1 - 2% Initial Cap
$50,000
2.50% 0 Point
2.94% V
5/1 - 2% Initial Cap
$50,000
3.00% 0 Point
3.599% V
(First Time Home Buyer)
7/1 - 2% Initial Cap
$50,000
3.125%
3.349% V

Maximum Loan Amount of $424,100.00; $601,450.00 in Fairfield County, CT. Assumed 20% equity. Up to 90% loan to value available at higher rates.

Pre-Qualify for a Mortgage
Mortgage Accelerators
Term
Max Loan Amount
APR*
8 Year
$400,000
3.29% F
12 Year
$400,000
3.49% F
15 Year
$400,000
3.79% F
20 Year
$400,000
4.29% F

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

Home Equity Loans
Term
Limit
Rate
5 Year
$400,000
3.25% F
7 Year
$400,000
3.75% F
10 Year
$400,000
4.15% F
15 Year
$400,000
4.65% F
20 Year
$400,000
6.25% F
Home Equity Education Loan
15 Year
4.65% F

Home Equity Loan rates include a 0.25% discount for direct debit from a MSCU Checking Account. 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.

Apply for a Home Equity Loan
Home Equity Line of Credit
Term
Limit
APR*
Over $50,000 - Prime minus 0.5% for life - 4% Floor
15 Year
$400,000
4.00% V
$25,000 - $49,999 - Prime minus 0.25% for life - 4% Floor
15 Year
$400,000
4.25% V
Below $25,000 - Prime for life - 4% Floor
15 Year
$400,000
4.50% 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 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.

Apply for a Home Equity Line of Credit
CDs / IRAs
Term
Rate
APY*
Min. Opening Deposit
Min. Balance for Dividends
3 Months
0.15%
0.15% F
$500.00
$500.00
6 - 8 Months
0.15%
0.15% F
$500.00
$500.00
9 - 11 Months
0.20%
0.20% F
$500.00
$500.00
12 Months
0.25%
0.25% F
$500.00
$500.00
Special
14 Months
1.39%
1.40% F
$500.00
$500.00
18 Months
0.30%
0.30% F
$500.00
$500.00
24 Months
0.35%
0.35% F
$500.00
$500.00
24 Months
1.97%
1.98% 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
1.24%
1.25% F
$500.00
$500.00
Step-Up1 Special
61 Months
2.24
2.25% 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 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.

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 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

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.

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
Youth Products
Rate
APY*
TruSavings Accounts - Students Only
4.46%
4.55% V
TruSavings - Over $1,000 Balance
0.55% V
24 Month Variable Rate Youth CD
1.97%
1.98% 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. 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.

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