Due to inclement weather, all branches will be closed Saturday, January 29th, 2022 ***Effective Monday, January 3rd, our branch locations will be open during regular business hours but in a modified capacity, limiting access to 2 members at a time in our lobbies.
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.
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.
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. 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. 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.
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, 75% loan to value(LTV) and loan amount based on FHA loan limits per county. 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.
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 purchase or refinance a primary residence with a rate lock period of 60 days. 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. 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.
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.
New Home Equity Lines of Credit with an Introductory Rate (APR) of 1.99% are available as of 03/31/2022. 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.
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.
Fees may reduce earnings. Please refer to our current Fee Schedule for more details.
1Up to two withdrawals per year.
2No withdrawal limitations.
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.
Account Closing Fee $35.00.
*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.
