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 Loan and Deposit Rates
Consumer Loans Mortgage Rates Savings Rates Certificate Rates IRA Rates
Rates are subject to change without notice .
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Consumer Loans
Rates as of: July 12, 2010
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Term
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Rate (APR)
as low as1
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| New Vehicles |
36 Months
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2.99%
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60 Months
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4.49%
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| Used Vehicles |
36 Months
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4.24%
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60 Months
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5.74%
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| New Motorcycles |
60 Months
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7.25%
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| Used Motorcycles |
60 Months
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8.25%
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| New Boats |
108 Months
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4.75%
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| Used Boats |
108 Months
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5.75%
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| New Camping trailer or Motor Home |
108 Months
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4.75%
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| Used Camping trailer or Motor Home |
108 Months
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5.75%
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Used as New - up to 2 years old with no more than 30,000 miles -New car rate may apply
1 The "as low as" rates are based on 0.25% payroll deduction discount and 0.25% direct deposit discount.
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2nd Mortgage Loans |
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Home Equity Lines INTEREST ONLY
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Up to 80% LTV -
as low as Prime minus .50% APR** |
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Condo and Townhomes
Up to 60% LTV as low as Prime |
| Mini Mortgage Fixed |
80% LTV - as low as 7.25% APR** |
| Second Mortgage Fixed |
80% LTV - 7-9 Yrs - as low as 7.75% APR** |
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80% LTV - 10-15 Yrs - as low as 8.00% APR**($50,001 @7.50% for 180 months $486.51) |
| We're in First - Second Mortgage |
80% LTV - 7-9 Yrs - as low as 6.70% APR ** |
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80% LTV - 10-15 Yrs - as low as 6.95% APR ** |
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$150.00 application fee - refunded upon disbursement of loan
Credit Union pays $500.00 towards closing cost.
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SAVINGS ACCOUNTS
Rates as of: May 4th, 2009 |
Suffix
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Minimum
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Dividend
Rate
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APY*
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Checking
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51
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0.00
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0.00
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0.00%
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"NEW" HIGH YIELD CHECKING
Complete required Form
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51
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$10,000
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0.50%
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0.50%
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Shares
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01
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$50
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0.15%
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0.15%
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Money Market
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05
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$0 - $2,499
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0.15%
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0.15%
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05
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$2,500 - $10,000
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.25%
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.25%
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05
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$10,001 - $25,000
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.50%
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.50%
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05
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$25,001 - $50,000
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.75%
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.75%
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05
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$50,001 - UP
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1.00%
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1.00%
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All other suffix will pay the same as 01. Variable-rate accounts may change after the open date.
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SHARE CERTIFICATE ACCOUNTS
Rates as of: May 4th, 2009
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Minimum
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Dividend Rate
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APY*
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3 Month
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$1,000
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.75%
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.75%
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6 Months
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$1,000
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1.10%
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1.12%
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7 Month
(Limited Time)
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$1,000
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1.35%
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1.36%
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12 Months
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$1,000
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1.40%
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1.41%
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12 Month Jumbo
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$50,000
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1.45%
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1.46%
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18 Months
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$1,000
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1.50%
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1.51%
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24 Months
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$1,000
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1.60%
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1.61%
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24 Months Jumbo
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$50,000
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1.70%
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1.71%
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30 Months
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$1,000
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1.85%
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1.87%
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30 Month Jumbo
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$50,000
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1.95%
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1.97%
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36 Months
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$1,000
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2.35%
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2.38%
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48 Months
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$1,000
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2.60%
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2.63%
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60 Months
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$1,000
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2.60%
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2.63%
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Withdrawals from Certificates before maturity will reduce your earnings. Early withdrawals subject to penalty. Contact the credit union for further details.
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Individual Retirement Accounts (IRA's)
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Minimum
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Dividend
Rate
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APY*
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IRA Shares
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$50
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.75%
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.75%
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7 Month IRA (Limited Time)
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$1,000
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1.35%
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1.36%
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18 Month IRA SC
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$1,000
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1.50%
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1.51%
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30 Month IRA SC
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$1,000
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1.85%
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1.87%
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60 Month IRA SC
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$1,000
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2.60%
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2.63%
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Withdrawals from Certificates before maturity will reduce your earnings. Early withdrawals subject to penalty. Contact the credit union for further details.
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*APY - Annual Percentage YIELD
**APR - Annual Percentage RATE
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Certificates: Withdrawals from Certificates before maturity will reduce your earnings. Early withdrawals subject to penalty.
* For a Complete List of the Most Current Certificate Rates, Please Contact Our
RATE HOTLINE at: 305-324-4004 Toll Free 800-426-3324
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Rates, terms and other information provided on this website are subject to change without notice, and are intended for general illustrative purposes only. Certain conditions may occur from time to time that may affect the completeness and/or accuracy of the information provided herein, which is neither assured nor guaranteed. To verify current offers and rates, please call Dade: (305) 324-4004 Outside: (800) 426-3324
Links to web sites outside mffcu.org, mffcu.net, mffcu.mobi, Miami Firefighters Federal Credit Union does not own, sponsor or endorse these sites, nor are we responsible for their content. |
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