Money Market | Shares & Certificates | Loans Rates
New Autos | Used Autos | RV Loans | Mobile Home Loans
Home Equity Loans | Kwik-Cash Loans | Signature Loans | Collector Cars
NEW! $500 Minimum Deposit on CD & IRA CDs**
All Rates are subject to change** Effective 1-25-2012
Money Market
|
Money Market Investment Account
|
| Balance |
Rate |
APY* |
| $2,500 - $9,999 |
0.10% |
0.10% |
| $10,000 - $24,999 |
0.20% |
0.20% |
| $25,000 + |
0.30% |
0.30% |
| $2,500 minimum deposit. |
|
Money Market Advantage Account
|
| Balance |
Rate |
APY* |
| $15,000 - $24,999 |
0.40% |
0.40% |
| $25,000 - $49,999 |
0.50% |
0.50% |
| $50,000 - $99,999 |
0.65% |
0.65% |
| $100,000 + |
0.74% |
0.75% |
| $15,000 minimum deposit. $15 per month fee if balance falls below minimum. |
Shares, Certificates, & IRA CDs
| Share Type |
Minimum Balance |
Rate |
APY* |
| Regular Share |
$5.00 |
0.05% |
0.05%
|
| Variable IRA Savings |
$5.00 |
0.74% |
0.75% |
| Holiday Club+ |
$25.00 |
0.50% |
0.50% |
| Vacation Club+ |
$25.00 |
0.50% |
0.50%
|
| + A $20 fee applies if the account is closed |
| Certificate & IRA CD Type |
Minimum Balance |
Rate |
APY* |
| 3 Month |
$500 |
0.247% |
0.25% |
| 6 Month |
$500 |
0.396% |
0.40% |
| 1 Year |
$500 |
0.645% |
0.65% |
| 2 Year |
$500 |
0.944% |
0.95% |
| 3 Year |
$500 |
1.340% |
1.35%
|
| 4 Year |
$500 |
1.736% |
1.75% |
| 5 Year |
$500 |
2.031% |
2.05% |
| |
|
|
|
| 23 Month Special |
$5,000 |
1.142% |
1.15% |
| 37 Month Special |
$5,000 |
1.489% |
1.50% |
| |
|
|
|
*APY denotes Annual Percentage Yield
**Unless otherwise indicated
Early withdrawal penalties are:
90 days for a certificate less than 1 year in maturity.
180 days for a certificate with a maturity of 1 year or greater.
Dividends earned daily and paid quarterly.
Call for rate for larger dollar amounts (920) 467-8105
IRA CD terms available are 1 year or greater.
Back to top | Calculators | Applications
Loan Rates
|
New Vehicles & Motorcycles 2012/2011
(up to 5000 miles) Rates as low as:
|
| Term |
APR* |
Monthly Payment** |
| 24 Months |
2.99% |
$42.98 |
| 36 Months |
2.99% |
$29.08 |
| 48 Months |
3.49% |
$22.35 |
| 60 Months |
3.99% |
$18.41 |
| 72 Months |
4.49% |
$15.87 |
|
Used Vehicles & Motorcycles
|
| Term |
APR* |
Monthly Payment** |
| 24 Months |
2.99% (2008, 2009, 2010) |
$42.98 |
| 36 Months |
2.99% (2008, 2009, 2010) |
$29.08 |
| 48 Months |
3.49% (2008, 2009, 2010) |
$22.35 |
| 60 Months |
3.99% (2008, 2009, 2010) |
$18.41 |
| 24 Months |
4.49% (2003-2007)
|
$43.64 |
| 36 Months |
5.49% (2003-2007) |
$30.19 |
| 48 Months |
6.49% (2003-2007) |
$23.71 |
| 24 Months |
5.49% (2002 & Older) |
$44.09 |
| 36 Months |
6.49% (2002 & Older) |
$30.64 |
Contact MCU for details!
Back to top | Calculators | Applications
|
RV (Snowmobiles, Campers, 4-wheelers, Boats, etc)
|
| Term - New |
APR* |
Monthly Payment** |
| 36 Months |
5.58% |
$30.23 |
| 48 Months |
6.08% |
$23.52 |
|
60 Months
|
6.58% |
$19.60 |
| Term - Used |
|
|
| 24 Months |
6.58% |
$44.58 |
|
36 Months
|
7.08% |
$30.91 |
| 48 Months |
7.58% |
$24.22 |
| 60 Months |
8.08% |
$20.31 |
|
Mobile Home and Motorhome Loans
|
| Term |
APR* |
%Financed |
Payment** |
Terms |
| New Mobile Homes |
8.10% |
Up to 80% |
$20.32 |
Up to 15 yrs amort., w/ 5 yr balloon |
| Mobile Homes 2011-2001 |
8.35% |
Up to 80% |
$20.44 |
Up to 10 yrs amort., w/ 5 yr balloon |
| Mobile Homes 2000 & Older |
9.10% |
Up to 80% |
$20.81 |
Up to 10 yrs amort., w/ 5 yr balloon |
| Motorhomes 2012-2011 |
6.74% |
Up to 90% |
$19.68 |
Up to 20 yrs amort., w/ 5 yr balloon |
| Motorhomes 2010 & Older |
7.14% |
Up to 90% |
$19.87 |
Up to 15 yrs amort., w/ 5 yr balloon |
Back to top | Calculators | Applications
|
Home Equity Loans (1st and/or 2nd Mortgage) 3 yr fixed rate up to 30 yrs amort., w/ 3 yr balloon
|
| Loan to Value |
APR* |
Monthly Payment** |
| Up to 80% |
3.49% |
$29.30 |
| 81% to 90% |
4.49% |
$29.74 |
| 91% to 100% |
5.49% |
$30.19 |
| Other terms available: 5 yr fixed term plus 0.50%, 7 year fixed term plus 1.00%, 10 year fixed term plus 1.25%, with balloon at the end of fixed rate terms. Plus, add 0.25% if < $10,000 in new money. |
|
Home Equity Line of Credit
|
| Loan to Value |
APR* |
Monthly Payment |
| Up to 80% LTV |
4.00% |
$2/100 min. $200 |
| Up to 90% LTV |
5.00% |
$2/100 min. $200 |
| Up to 100% LTV |
6.00% |
$2/100 min. $200 |
| Rates are subject to change quarterly. A $25 annual fee may apply. Minimum rate 4.00%. |
Back to top | Calculators | Applications
|
Kwik-Cash Loans (unsecured)
|
| Up to $5,000 |
14% |
|
Savings & CD Secured Loans
|
| 3% Above Actual Rate - Minimum 5% |
|
Personal Signature Loans (unsecured) up to $5000
|
| 12 Months |
9.00% |
$87.45 |
| 24 Months |
9.00% |
$45.68 |
| 36 Months |
10.00% |
$32.27 |
| 48 Months |
10.00% |
$25.36 |
| 60 Months |
N/A |
N/A |
|
Single Payment Loan
|
| up to 6 Months |
9.25% |
|
* APR denotes Annual Percentage Rate.
All above rates are based on certain credit worthiness criteria.
*Some loans greater than 5 years are subject to a demand feature.
** Monthly Payment is based on payment per $1000 for rate and term.
Back to top | Calculators | Applications
The above rates are based on the following criteria:
-
Year of collateral
-
Amount financed compared to the loan value of collateral
-
Previous credit history with Meadowland Credit Union
-
Current FICO credit score
USED TO DETERMINE LENGTH OF LOAN -
1. $700.00 or less ----------------------12 months
2. $701.00 to $1400.00 ---------------18 months
3. $1401.00 to $2000.00 --------------24 months
4. $2001.00 to $3600.00 --------------36 months
5. $3601.00 to $5000.00 ------------- 48 months
All Rates are Subject to Change
