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 Tiered Loan Rates* See notes below on how you could receive up to a 1% discount off posted rates.
Auto Loan Rate Date:
    6/13/2016
Premier Rates
740+
4 Star
739-680
3 Star
679-630
2 Star
629 or <
2010-Newer Term APR APR APR APR
  1-36 months 1.99% * 3.19% 4.90% 6.99%
  37-60 months 2.99% * 4.19% 5.90% 7.99%
  61-84 months
(2014 or newer)
3.99% * 6.19% 6.90% 9.99%
  * 740+ rate requires automatic payment, no other discounts apply
2009 - 2006 Term  
  1-35 months 4.99% 5.90% 6.90% 9.99%
  36-48 months 5.99% 6.90% 7.90% 10.99%
2005 - 2000 Term  
  1-35 months 6.99% 7.90% 8.90% 10.99%
Signature Loan Term  
$5,000 maximum 12-24 months 6.75% 9.00% 11.75% 16.00%
  36 months 6.75% 9.75% 12.75% 16.00%
  48 months 6.75% 10.00% 13.75% 16.00%
Loan Special -     Spring (April - May)     or     Holiday (November - January)
$3,000 maximum 1-36 months 6.00% 8.65% 11.65% 14.65%
Computer Loan Term No additional discounts
$3,000 maximum 1-24 months 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
(8) First loan with M-O
FCU
(9) Purchase Route 66 Warranty, may extend loan term up to 8 months, not to exceed 84 months.  

Maximum of 1% discount.  Discounts are NOT reflected in the above rates.

 

 

  Share Rates Effective:  January 11, 2016
 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
       
Certificates
6 Month Certificates 0.35% 0.35% $1,000.00
12 Month Certificates 0.499% 0.50% $1,000.00
18 Month Certificates 0.649% 0.65% $1,000.00
2 Year Certificates 0.798% 0.80% $1,000.00
3 Year Certificates 0.998% 1.00% $1,000.00
4 Year Certificates 1.246% 1.25% $1,000.00
5 Year Certificates 1.494% 1.50% $1,000.00
 
IRA Shares 0.25% 0.25% N/A
 
12 Month IRA Certificate 0.998% 1.00% $1,000.00
24 Month IRA Certificate 1.99% 2.00% $1,000.00
       
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 day, 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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