Rates

Mortgages

These rates are in effect as of Tuesday, May 26, 2015.

PointsRates As Low AsAPR*Monthly Payment Per $1,000 Borrowed
10 Year Term - 120 Payments
22.750%3.148%$9.54
12.875%3.127%$9.60
03.000%3.108%$9.66
15 Year Term - 180 Payments
22.750%3.148%$6.79
12.875%3.127%$6.85
03.000%3.108%$6.91
20 Year Term - 240 Payments
23.500%3.815%$5.80
13.625%3.825%$5.86
03.750%3.836%$5.93
25 Year Term - 300 Payments
23.500%3.761%$5.01
13.625%3.791%$5.07
03.750%3.821%$5.14
30 Year Term - 360 Payments
23.500%3.725%$4.49
13.625%3.768%$4.56
03.750%3.811%$4.63
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*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $280,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes.Rates may be higher based on applicant’s creditworthiness.Rates and terms are subject to change without notice.Certain restrictions may apply.
PointsInitial Rate (not based on index and margin used to make later adjustments)Current Rate (based on index and margin)**APR*Monthly Payment Per $1,000 Borrowed for first 12 payments based on Initial RateMonthly Payment Per $1,000 Borrowed for remaining 348 payments based on Current Rate
1 YEAR ARM (30 YEAR TERM)
24.000%4.000%4.233%$4.77$4.86
14.125%4.000%4.157%$4.85$4.86
04.250%4.000%4.083%$4.92$4.86
3/1 ARM (30 YEAR TERM)
24.000%4.000%4.233%$4.77$5.05
14.125%4.000%4.176%$4.85$5.05
04.250%4.000%4.120%$4.92$5.05
5/1 ARM (30 YEAR TERM)
24.000%4.000%4.233%$4.77$5.28
14.125%4.000%4.193%$4.85$5.28
04.250%4.000%4.153%$4.92$5.28
7/1 ARM (30 YEAR TERM)
24.000%4.000%4.233%$4.77$5.55
14.125%4.000%4.207%$4.85$5.55
04.250%4.000%4.182%$4.92$5.55
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*APR = ANNUAL PERCENTAGE RATE. RATES AND PAYMENTS MAY ADJUST ANNUALLY AFTER THE INITIAL PERIOD EXPIRES BASED ON MOVEMENTS IN THE INDEX.

**CURRENT RATES SHOWN IN TABLE ABOVE FACTOR IN MCU’S FLOOR RATE OF 4%.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE. (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $280,000.Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes.Rates may be higher based on applicant’s creditworthiness.Rates and terms are subject to change without notice. Certain restrictions may apply.
PointsRates As Low AsAPR*Monthly Payment Per $1,000 Borrowed
15 Year Term - 180 Payments
22.875%3.228%$6.85
13.000%3.207%$6.91
03.125%3.188%$6.97
30 Year Term - 360 Payments
23.625%3.826%$4.56
13.750%3.868%$4.63
03.875%3.911%$4.70
Apply Now
*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $418,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.
PointsRates As Low AsAPR*Monthly Payment Per $1,000 Borrowed
10 Year Term - 120 Payments
23.125%3.480%$9.71
13.250%3.459%$9.77
03.375%3.438%$9.83
15 Year Term - 180 Payments
23.125%3.480%$6.97
13.250%3.459%$7.03
03.375%3.438%$7.09
20 Year Term - 240 Payments
23.875%4.158%$5.99
14.000%4.166%$6.06
04.125%4.175%$6.13
25 Year Term - 300 Payments
23.875%4.110%$5.21
14.000%4.138%$5.28
04.125%4.167%$5.35
30 Year Term - 360 Payments
23.875%4.079%$4.70
14.000%4.120%$4.77
04.125%4.161%$4.85
Apply Now
*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $480,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness.Rates and terms are subject to change without notice.Certain restrictions may apply.
Current APR* Based on Index and Margin, As Low As Minimum LineMaximum Line
Home Equity Line Of Credit
3.25%$20,000$500,000
Apply Now
*APR = Annual Percentage Rate.

The maximum APR that may be imposed is 6.00% above the Prime Rate in effect at closing.There are no closing costs if you transfer existing credit lines and/or take new advances totaling at least $25,000 at account opening and you keep your Home Equity account open for at least three years. Otherwise, you will be required to reimburse MCU for certain fees paid to third parties. These fees can be as low as $925 for a $20,000 line of credit and as high as $10,100 for a $500,000 line of credit. Home Equity accounts are secured by a mortgage on your primary residence. Property insurance is required. New accounts cannot be used to consolidate existing MCU debt.Rates may be higher based on applicant’s creditworthiness.Rates and terms are subject to change without notice.Certain restrictions may apply.

THE ANNUAL PERCENTAGE RATE MAY VARY AND IS EQUAL TO THE HIGHEST PRIME RATE PUBLISHED IN THE WALL STREET JOURNAL ON OR BEFORE THE LAST DAY OF THE PRECEDING MONTHLY BILLING PERIOD PLUS A MARGIN BETWEEN 0% AND 3%.

These rates are in effect as of Tuesday, May 26, 2015.
Rates and terms are subject to change without notice.

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Routing Transit Number: 226078036

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Routing Transit Number: 226078036