Loan Rates
Effective Wednesday, May 07, 2025
2015-2025 Model Years Automobile & Truck Loan
| Terms | APR (Rates* as low as) | Minimum Loan Balance |
|---|---|---|
| 36 Months | ||
| 48 Months | ||
| 60 Months | ||
| 72 Months | ||
| 84 Months | ||
| 96 Months |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility. For a $20,000 new car loan for a term of 60 months with a 4.50% APR, the monthly payment will be $372.86
2011-2025 Motorcycles, Boats, Motor Homes & Other Recreational
| Terms | ||
|---|---|---|
| 48 Months | ||
| 60 Months | ||
| 72 Months | ||
| 84 Months | ||
| 120 Months |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility. For a $35,000 new boat/RV loan for a term of 84 months with a 5.50% APR, the monthly payment will be $502.95
Used Vehicles 2014 & Older
| Terms | ||
|---|---|---|
| 36 Months | ||
| 48 Months | ||
| 60 Months |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility. For a $4,500 used vehicle loan for a term of 36 months with a 6.25% APR, the monthly payment will be $137.41.
Unsecured - Closed End
| Terms | ||
|---|---|---|
| 36 Months | ||
| 48 Months | ||
| 60 Months |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score and model year of vehicle. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility. For a $7,500 unsecured closed end loan for a term of 48 months with a 8.50% APR, the monthly payment will be $184.86.
Premium Line of Credit
Get Peace of Mind and Protection from NSF’s.
| Loan Type | ||
|---|---|---|
| Premium Line of Credit |
*APR= Annual Percentage Rate. *Rates are “as low as” are based on applicant’s credit score. Other account requirements and conditions may apply. Rates are subject to change at any time. All loans are subject to approval and membership eligibility.
Home Equity Loan
Fixed Rates. Terms up to 180 months.
| Terms | ||
|---|---|---|
| Home Equity Fixed Rate 1 – 60 Months | ||
| Home Equity Fixed Rate 61 – 120 Months | ||
| Home Equity Fixed Rate 121 – 180 Months |
| Terms | |
|---|---|
| 5×5 Adjustable (30 yr ARM – primary home) |
*Rates are Annual Percentage Rates. Rates subject to change without notice. The APR is the credit unions standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. All loans are subject to approval and membership eligibility
| Terms | |
|---|---|
| HELOC Promo |
Home Equity Line of Credit Disclosure:
*INTRODUCTORY INTEREST RATE. An introductory ANNUAL PERCENTAGE RATE (APR) of 1.99% is available for home equity line of credit accounts only and applies to the monthly balances for the billing cycles beginning with the account open date until January 1, 2026. At the end of the introductory rate, on January 1, 2026, your APR changes to a variable rate of interest as low as 3.00%, although your applicable rate may differ based upon your credit history available as of the date of loan approval. To receive the introductory rate, the completed application must be submitted between April 1, 2025 and June 28, 2025 and the account opened by August 31, 2025 with your consummation (closing) of the mortgage loan. This special offer is for a limited time only and cannot be combined with any other offer. This offer is not available for current MUCU HELOC or Home Equity loan borrowers. After the introductory rate expires, your margin, rate, and payment may differ based upon your credit history available as of the date of loan approval and your rate will never be lower than 3.00% or higher than 18.00%. After the introductory period, the applicable APR is a variable rate that may change based on the prime rate of interest as published in The Wall Street Journal’s listing of “Money Rates” and determined on the last business day of each quarter and effective on the first business day of each quarter, plus a margin (the most recent figure available in the historical chart below).
**No fees in most cases, but an appraisal fee and/or title insurance may be required at member’s expense.
| Terms | |
|---|---|
| HELOC |
*Annual Percentage Rate (APR) is based on applicant’s credit history. Prime Rate is equal to 7.50%. The variable rate which is based on the Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last day of each calendar quarter of each year (“Index”) plus a “Margin”. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each calendar quarter of each year. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and may affect the amount of your scheduled payments during the Draw and Repayments Periods. Your Interest Rate cannot increase or decrease by more than 2.00 percentage points each year and will never be less than 3.00% nor greater than18.00% and will apply to the remaining principal balance. If the index becomes unavailable, we may select another Index and Margin which would result in a substantially similar Interest Rate. Maximum LTV is 80%. Membership eligibility required.