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Rates

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**
All Rates are subject to change**  Effective 10-23-2008


Money Market

Money Market Investment Account

Balance Rate APY*
$2,500 - $9,999 0.89% 0.90%
$10,000 - $24,999 1.14% 1.15%
$25,000 + 1.39% 1.40%
$2,500 minimum deposit.

Money Market Advantage Account

Balance Rate APY*
$15,000 - $24,999    1.88%  1.90%
$25,000 - $49,999 2.13% 2.15%
$50,000 - $99,999 2.37% 2.40%
$100,000 + 2.71% 2.75%
$15,000 minimum deposit.  $15 per month fee if balance falls below minimum.

Shares and Certificates

Share Type Minimum Balance Rate APY*
Regular Share $5.00 .50% .50%
Holiday Club+ $25.00 1.75% 1.75%
Vacation Club+ $25.00 1.75% 1.75%
+ A $20 fee applies if the account is closed

Certificate Type Minimum Balance Rate APY*
3 Month $500 2.277% 2.30%
6 Month $500 2.572% 2.60%
1 Year $500 2.817% 2.85%
2 Year $500 2.915% 2.95%
3 Year $500 3.159%

3.20%

4 Year $500 3.744% 3.80%
5 Year $500 3.938% 4.00%
       
Specials 23 Month $5,000 3.938% 4.00%
       
       

*APY denotes Annual Percentage Yield
**Unless otherwise indicated

Early withdrawal penalties are:
90 days for certificates less than 1 year in maturity
180 days for certificates 1 year to 2 years in maturity
360 days for certificates 3 years or greater in maturity

Dividends paid quarterly. Call for rate for larger dollar amounts (920) 467-8105

Back to top | Calculators | Applications

Loan Rates

New Auto 2008/2007
(Never titled or under 5000 miles.)  Rates as low as:

Term APR* Monthly Payment**
36 Months 5.39% $30.15
48 Months 5.39% $23.21
60 Months 5.59% $19.14
72 Months 6.09% $16.62

Used Autos

Term APR* Monthly Payment**
24 Months 5.59% (2004, 2005, 2006) $44.14
36 Months 5.79% (2004, 2005, 2006) $30.33
48 Months 5.99% (2004, 2005, 2006) $23.48
60 Months 6.19% (2004, 2005, 2006) $19.42
24 Months 6.09% (1999-2003) $44.36
36 Months 7.09% (1999-2003) $30.92
48 Months 8.09% (1999-2003) $24.46
24 Months 7.09% (1998 & Older) $44.81
36 Months 8.09% (1998 & Older) $31.38

Contact MCU for details!

Back to top | Calculators | Applications

RV (snowmobiles, dirt bikes, campers, boats, etc)

Term - New APR* Monthly Payment**
36 Months 6.48% $30.64
48 Months 6.98% $23.94

60 Months

7.48% $20.03
Term - Used    
24 Months 7.48% $44.99

36 Months

7.98% $31.33
48 Months 8.48% $24.64
60 Months 8.98% $20.75

Mobile Home Loans

Term APR* %Financed Payment** Terms
New 8.50% Up to 80% $20.52 Up to 15 yr, with 5 yr demand
2007 - 1997 8.75% Up to 70% $20.64 Up to 15 yr, with 5 yr demand
1996 & Older 9.50% Up to 70% $21.00 Up to 5 yrs
Motorhomes 2008/07 7.14% Up to 90% $19.87 20 yr, 5 yr demand
Motorhomes 2006/05 7.54% Up to 90%  $20.06 15 yr, 5 yr demand

Back to top | Calculators | Applications

Home Equity Loans (Second Mortgage) with 5 year demand feature

Loan to Value APR* Monthly Payment**
Up to 80% 5.89% $19.28
81% to 90% 6.89% $19.75
91% to 100% 7.89% $20.22
Home Equity Loan Payments can be calculated over a longer term to reduce the payment amount per month. Call for more information.

Home Equity Line of Credit

Loan to Value APR* Monthly Payment
Up to 80% fair market value of tax bill Prime Rate $2/100 min. $100
Up to 90% Prime + 1.00% $2/100 min. $100
Up to 100% Prime + 2.00% $2/100 min. $100
 Rates are subject to change quarterly. A $25 annual fee may apply.

Back to top | Calculators | Applications

Kwik-Cash Loans (unsecured)

Up to $5,000 14%

Savings & CD Secured Loans

3% Above Actual Rate - Minimum 5%

Signature Loans (unsecured) up to $5000

12 Months 9.40% $87.64
24 Months 9.40% $45.87
36 Months 10.40% $32.46
48 Months 10.40% $25.56
60 Months N/A N/A

Single Payment Loan

up to 6 Months 9.65%  

Collector Cars (Appraisal required)

Term APR* Monthly Payment**
24 Months 6.09% $44.36
36 Months 7.09% $30.92
48 Months 8.09% $24.46

* APR denotes Annual Percentage Rate
All above rates are based on certain credit worthiness criteria.
*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:

  1.   Year of collateral
  2. Amount financed compared to the loan value of collateral
  3. Previous credit history with Meadowland Credit Union
  4. 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

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