Loan Rates

 

Auto

Auto Loans – Rates as of: May 1st, 2018
Loan Term
Terms & Conditions
Rate APR* New Rate APR* Used
36 Months 1as low as 1.99% 1as low as 1.99%
60 Months 1as low as 2.49% 1as low as 2.74%

Motorcycles

Motorcycles

Motorcycles – Rates as of: May 1st, 2018
Loan Term
Terms & Conditions
Rate APR* New Rate APR* Used
60 Months 1as low as 4.74% 1as low as 4.99%

Boats

Boats

Boats – Rates as of: May 1st, 2018
Loan Term
Terms & Conditions
Rate APR* New Rate APR* Used
Up to 180 Months 1as low as 4.99% 1as low as 4.99%

RVs

RVs

Camping Trailers or Motor Homes – Rates as of: May 1st, 2018
Loan Term
Terms & Conditions
Rate APR* New Rate APR* Used
Up to 180 Months 1as low as 4.99% 1as low as 4.99%

Mortgages

Mortgages

Mortgages – Rates as of: June 25, 2018
Loan Product Rate APR* Loan to Value (LTV)
5/1 ARM 1as low as 3.625% 70%
5 year Adjustable Rate Mortgage. The rate is fixed for the first 5 years. After that the rate may vary annually and the payment may increase or decrease. Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal (currently 5.00%) plus margin with a floor rate of 4.00%. Homeowners/property insurance may be required.
Fixed Rate Mortgages
Terms & Conditions
Rate APR* Loan to Value (LTV)
30 Year 4.625% 75%
20 Year 4.500% 75%
15 Year 4.250% 75%
10 Year 4.250% 75%

Home Equity

Home Equity

Home Equity – Rates as of: June 25, 2018
Loan Product Rate APR* Loan to Value (LTV)
Home Equity Line of Credit (Open End-Variable Rate)
Terms & Conditions
Single Family Home 1as low as 5.50% up to 18.00% Up to 80%
Condos and Townhomes 1as low as 5.50% up to 18.00% Up to 60%
Variable Rate may change on a quarterly basis and it is based on the Prime Rate as published on the Wall Street Journal (currently 5.00%) plus margin with a floor rate of 4.75%. Closing costs typically range between $900 – $3,000 (Currently paid by CU – Loans paid off and closed in less than three years from the loan origination date will require a prorated reimbursement of closing cost paid for by MFFCU). There are no membership fees or annual fees associated with this type of loan. Homeowners/property insurance may be required.
Home Equity Line of Credit (Closed End – Fixed Rate)
Terms & Conditions
1as low as 4.75% Up to 80%
Condos and Townhomes 1as low as 4.75% Up to 60%

*APR – Annual Percentage Rate. Consumer loan rates, which are subject to change without notice, may vary with respect to your credit history, the model year of the vehicle, the term of the loan and loan to value. Annual Percentage Rate is subject to credit union guidelines.

1 The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount and an additional 0.25% discount for members who meet the requirements of a Deluxe Relationship. Deluxe Relationship Requirements – Household balance of $15,000 or more (total deposit or total loan balance).

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