Consumer Loan Rates

*Rate shown reflect available rate discounts. Members Choice members can get up to .30% in rate discounts for Auto Loans: .10% for an automatic loan payment transfer from an MCCU checking account,.10% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card. Members Choice members can get up to 2.00% in rate discounts for Personal Unsecured Signature Loans: .50% for an automatic loan payment transfer from an MCCU checking account, 1.00% for checking account direct deposit at the time of funding, .50% for a new or increased Credit Card. 

** Rate shown reflect available rate discounts. First time auto buyer Members Choice members can get up to .30% in rate discounts: .10% for an automatic loan payment transfer from an MCCU checking account, .10% for checking account direct deposit at the time of funding, .10% for a new or increased Credit Card. Must be a member or eligible for membership in order to qualify for and obtain a loan or discounts. Loan can fund new or used vehicles only and does not apply to boats, recreational vehicles or motorcycles. Must be employed for a minimum of 12 months in a full or part time position. Payment may not exceed 20% of gross monthly income; proof of income required. Maximum loan to value (LTV) 90% of retail, with a minimum of tax, title and license cash down payment; not to exceed $30,000. Proof of insurance required at time of purchase. Terms up to 60 months including coverage benefits that include GAP, multishield and warranties. First payment required after 60 days. First time auto buyer loans are not eligible for our rate match program.

*** Rates shown reflect available rate discounts. For homeowners with at least one year of current mortgage history. Certain tax benefits may not apply. You should consult your tax advisor for information regarding the deductibility of interest and charges. Members Choice members can get up to 1.50% in rate discounts: .75% for 15-year homeownership (.25% for every 5 years), .25% for a mortgage with MCCU, .25% for an auto loan with MCCU, .25% for an automatic loan payment transfer from an MCCU checking account.

(1) Annual Percentage Rate of 4.69% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.47 per $1,000 borrowed at 4.69%. Discounts have been applied to the rate of 4.69%. We offer other terms up to 84 months.

(2) Annual Percentage Rate of 4.69% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $85.47 credit per $1,000 borrowed at 4.69%. Discounts have been applied to the rate of 4.69%.For vehicles with mileage above 50,000 a rate increase of .50% will apply. For vehicles with mileage above 100,000 a rate increase of 1.00% will apply. We offer other terms up to 84 months.

(3) Annual Percentage Rate of 6.69% is for an approximate term of 12-36 months. Payment example: 12 monthly payments of $86.38 per $1,000 borrowed at 6.69%. Discounts have been applied to the rate of 6.69%. We offer other terms up to 120 months.

(4) Annual Percentage Rate of 8.69% is for an approximate term of 85-120 months. Payment example: 12 monthly payments of $87.31 per $1,000 borrowed at 8.69%. Discounts have been applied to the rate of 8.69%. We offer other terms up to 120 months.

 

(5) A balance transfer could take up to six weeks to appear on your new card, depending on your previous card issuer. Check your accounts to track progress, and make sure you continue to make at least the minimum payment on the card you transferred the balance from on time to avoid late fees. 3% Balance Transfer Fee.