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Auto Loan Disclosures:
1 APR = Annual Percentage Rate.
Rates may be higher based on applicant's creditworthiness, auto model year, loan term, loan amount and method of repayment.  Rates and terms are subject to change without notice. Lien placed on vehicle. Certain restrictions apply.

Minimum loan amount of $20,000 for terms up to 72 months. Minimum loan amount of $30,000 for 84-month term.

Late payment fee: $25.00

**Additional discount available with established direct deposit to MCU Everyday Hero Checking account.

MCU membership is required.

MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers; TRUECar® Certified Dealers, Enterprise Car Sales, Carvana®, CarMax® or Hertz Car Sales®.

30 Year Mortgage Disclosures:
Rates and payments may adjust every 6 months after the initial period expires based on movements in the index. Current rate shown factor in MCU's floor rate of 2.750%. Based on loan amounts of $100,000. 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 and loan amount. Rates may be higher based on applicant's creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply. The initial rate is current as of 11/1/2024 and is the Credit Union's best rate. Rates and terms may vary depending on loan to value ratio, credit evaluation and underwriting requirements. After the fixed rate period, your interest rate will adjust up or down according to market rates at the time of reset. PMI=Private Mortgage Insurance. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. The payment on a 30 year $100,000, 5/6 year Adjustable Rate Loan at 5.000 and 80% loan-to-value (LTV) is $536.82 After 5 years, the interest rate cannot increase more than 2% at the first interest rate change and cannot increase more than 1% every 6 months, thereafter. The rate will not be higher than 10.000% over the term of the loan. Payments are estimates and include only principal and interest.

HELOC Disclosures:
 The introductory rate is 5.99% for 2nd lien position loans and 5.49% for 1st lien position loans with APR for 12 months with a maximum 75% Combined Loan-to-Value (CLTV). Minimum FICO Score is 720 with a required initial draw depending on the approved loan amount. The initial rate will be in effect for the first year your credit line is open. MCU cannot pay your mortgage taxes for this special promotion. Subsequently, your account will be subject to the Variable Rate provisions described herein. The initial Annual Percentage Rate is discounted;  it is not based on the index and margin used for later adjustments. Special promotion rate will expire on June 30, 2024.
 
The current variable APRs as of September 2023 range from 8.75% - 12.75%. The floor APR is 3.00%. HELOC closing costs are waived if, at closing, you take a minimum advance of $25,000 on line amounts below $250,000 and keep your line of credit 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 $135 for a $25,000 HELOC and as high as $1,000 for a $250,000 HELOC. Loan applicant has the option to have their mortgage recording fees and mortgage taxes waived at closing for an additional .50% on their introductory rate and fully indexed rate. The 6.875% introductory rate and closing costs waiver offer is available for a limited time.

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 4%.

HELOCs are secured by a mortgage on your primary residence. Co-ops and investment properties are not accepted. Property insurance is required. Flood insurance may be required if the property is in a flood zone. Certain restrictions may apply. Membership is required.

The Prime Rate as of November 1, 2024 is 8.50%. The annual percentage rate may be higher based on the applicant’s creditworthiness. The maximum Annual Percentage Rate that may be imposed is 6% above the initial interest rate at closing. Rates and terms are subject to change without notice. Other terms and conditions apply.View full disclosure  PDF.

9 Month Share Certificate:
The APY is accurate as of 11/1/24. Minimum Opening Deposit = $0.00. A minimum of $5.00 is required to earn APY. Upon maturity, the 9 Month Share Certificate will roll over into a 9 month Share Certificate.