Rates

Loans

These rates are in effect as of Saturday, August 27, 2016.

Loan TypesMaximum Amount FinancedTerm*Auto-Pay APRMonthly Payment per $1,000 Borrowed
New  (Best loan rates available when using the MCU Car Buying Service)
2016 - 2015125%up to 60 Months1.45%$17.29
2016 - 2015125%61-66 Months2.35%$16.17
2016 - 2015125%67-72 Months2.35%$14.91
2016 - 2015125%73-84 Months3.35%$13.38
Pre Owned  (Best loan rates available when using the MCU Car Buying Service )
2014125%up to 60 Months1.85%$17.47
2014125%61-66 Months2.65%$16.30
2014125%67-72 Months2.75%$15.09
2014125%73-84 Months3.75%$13.56
2013125%up to 60 Months2.35%$17.69
2013125%61-66 Months2.65%$16.30
2013125%67-72 Months2.75%$15.09
2012125%up to 60 Months2.50%$17.75
2012125%61-66 Months2.95%$16.44
2012125%67-72 Months3.05%$15.22
2011125%48 to 60 Months2.75%$17.86
2010125%48 to 60 Months2.85%$17.91
** Auto Refinance
2016 - 2015125%Up to 72 months1.95%$14.73
2014125%Up to 72 months2.35%$14.91
2013 - 2012125%up to 60 Months2.50%$17.75
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*Rates may be higher based on applicant's credit worthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.

MCU only finances vehicles purchased from a car dealer: We do not offer financing for private sales, individual sales or lease buyouts.

For model years 2016-2015, your payments will consist of 60 monthly payments of $17.29 on each $1,000 borrowed at 1.45% APR. For model year 2014, your payments will consist of 60 monthly payments of $17.47 on each $1,000 borrowed at 1.85%. APR. APR = Annual Percentage Rate. Best rate available when combined with TRUECar certificate (.50% APR discount) and Auto-Pay (.50% APR discount) when direct deposit or automatic payroll deduction is utilized as the method of loan repayment. Annual percentage rates for auto loans will increase by .50% after consummation if automatic payroll deduction or direct deposit is cancelled. Late payment fee: $25.00. Membership is required.

** Rates range from 1.95% APR to 14.95% APR depending upon collateral, credit qualifications, and loan repayment. Auto loan must be refinanced from another financial institution.

APR = Annual Percentage Rate.

Maximum Amount FinancedTerm*Auto-Pay APRMonthly Payment per $1,000 Borrowed
Unsecured Loan
$1,000 - $15,000up to 60 Months5.95%$19.31
$15,001 - $50,000up to 60 Months6.95%$19.78
$15,001 - $50,000up to 72 Months7.55%$17.31
$15,001 - $50,000up to 84 Months7.55%$15.36
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*Annual percentage rates on unsecured loans will increase by 2% after consummation if automatic payroll deduction or direct deposit is cancelled. Late payment fee: $25.00

APR = Annual Percentage Rate
Minimum Amount FinancedTerm*Auto-Pay APRMonthly Payment per $1,000 Borrowed
Share Secured Loan
$500up to 84 Months3.50%$18.19
CD Secured Loan
$500Equal to CD Maturity(up to 60 Months)3.00%$8.99
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*APR for CD Secured Loan is Share Certificate rate plus 3%.

APR = Annual Percentage Rate.

APROverdraft IncrementMethod of Computing the Balance for OverdraftsAnnual FeesTransaction Fee for Purchases
Overdraft Checking Line of Credit
17.90%$1.00Daily Balance (including new overdrafts)NoneNone

* APR = Annual Percentage Rate

These rates are in effect as of Saturday, August 27, 2016.
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