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 Tiered Loan Rates* See notes below on how you could receive up to a 1% discount off of posted rates.
Auto Loan Rate Date:
  1/2/2014
Premier Rates
750+
4 Star
749-710
3 Star
709-670
2 Star
669-630
Rebuilder
<629
2009-Newer Term APR APR APR APR APR
  24 months 3.00% 3.50% 5.00% 6.75% 7.75%
  36 months 3.25% 3.75% 5.25% 7.00% 8.00%
  48 months 3.50% 4.00% 5.50% 7.25% 8.25%
  60 months 3.75% 4.75% 6.00% 7.50% 9.25%
2011 +  72 months

5.00%

6.50% 6.75% 8.25% 11.25%
Purchase Only 84 months 6.25% 7.00% 8.75% 10.25% 12.00%
2008 - 2005 Term  
  24 months 4.00% 5.00% 5.75% 7.00% 8.00%
  36 months 4.25% 5.25% 6.00% 7.25% 8.25%
  48 months 4.50% 5.50% 6.25% 7.75% 8.50%
  60 months 4.75% 5.75% 6.50% 8.25% 9.50%
2004 - 1994 Term  
  24 months 5.50% 6.25% 6.75% 8.00% 10.00%
  36 months 6.00% 6.75% 7.25% 8.50% 10.50%
  48 months 7.25% 7.00% 7.50% 9.50% 11.00%
Signature Loan Term  
$5,000 maximum 12 months 8.00% 9.00% 11.50% 13.25% 15.00%
  24 months 8.75% 9.75% 11.75% 13.50% 15.00%
  36 months 9.50% 10.00% 12.00% 13.75% 15.00%
  48 months 10.00% 10.25% 12.50% 14.25% 15.00%
Loan Special - Spring (April - May)  or  Holiday (November - January)
$3,000 maximum 18 months 6.65% 7.65% 10.65% 12.15% 13.15%
  30 months 7.15% 8.15% 11.15% 12.65% 13.65%
Computer Loan Term No additional discount
  24 months 2.90% 2.90% 2.90% 2.90% 2.90%

*Rates are based on current Beacon Score that M-O FCU obtains from Equifax Credit Bureau and relationship pricing.  The relationship pricing allows members to receive a .25% rate reduction per service for the following: (1) Active checking account (2) Active M-O FCU Visa┬« Credit Card (3) Mortgage product with M-O FCU (4) Credit Life Insurance and/or Credit Disability Insurance with loan product (5) Receive E-Statements (6) Other M-O FCU combined accounts with $5,000 or greater balance (7) Automatic payment or Payroll deduction for loan payment.  Maximum of 1% discount.  Discounts are NOT reflected in the above rates.

 

  Share Rates Effective:  January 14, 2014
 Rates subject to change any time.
  APR APY Minimum Amount
Regular Savings 0.15% 0.15% $25.00
Secondary Savings 0.15% 0.15% N/A
Christmas Club 0.65% 0.65% $5.00
 
Checking Accounts 0.05% 0.05% N/A

 

Money Market Accounts  
$10,000-$24,999.99 0.15% 0.15% $10,000.00
$25,000-$49,999.99 0.15% 0.15% $25,000.00
$50,000-$89,999.99 0.20% 0.20% $50,000.00
$90,000 & over 0.25% 0.25% $90,000.00
 
6 Month Certificates 0.20% 0.20% $1,000.00
12 Month Certificates 0.35% 0.35% $1,000.00
18 Month Certificates 0.449% 0.45% $1,000.00
2 Year Certificates 0.599% 0.60% $1,000.00
3 Year Certificates 0.749% 0.75% $1,000.00
4 Year Certificates 0.998% 1.00% $1,000.00
5 Year Certificates 1.246% 1.25% $1,000.00
 
IRA Shares 0.25% 0.25% N/A
 
12 Month IRA Certificates 0.649% 0.65% $1,000
       
Youth CD's have a $250.00 minimum balance
       

* A penalty is imposed if certificate funds are withdrawn before the maturity date. The penalty
is equal to the amount of interest earned if the certificate is less than 90 days old or if withdrawn
after 90 days, the interest rate of the certificate is reduced to the current share account dividend
rate. The principal amount upon which earned dividends are forfeited is the amount withdrawn
unless the amount withdrawn reduces the balance below $1000.

APR:  Annual Percentage Rate APY:  Annual Percentage Yield

 

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Disclaimer

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

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