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Rates

 

 

Shares
Savings
$100,000+ 0.450% APY
$50,000 – $99,999.99 0.200% APY
$25,000 – $49,999.99 0.175% APY
$10,000 – $24,999.99 0.100% APY
$100 – $9,999.99 0.075% APY
Smarts Starts Early Youth Savings
$100 – $2,500.00 5.00% APY UP TO AGE 21
Premium Money Market
$25,000.00 – $49,999.99 0.50% APY
$50,000.00 – $99,999.99 0.75% APY
$100,000+ 1.50% APY
CDs
18 Month CD for New Member $10,000 max 4.00% APY
6 Month CD $500 min 2.85% APY
12 Month CD $500 min 3.35% APY
  • APY = Annual Percentage Yield
  • All rates and terms are subject to change and should be verified with customer service associate at the time of application.
  • A penalty may be imposed for early withdrawal on CDs. (Penalty may reduce principal)
  • If your CD renews automatically at maturity, the interest rate will be the prevailing renewal rate in effect at maturity. (Restrictions may apply)

 

Loan Interest Rates
New Auto
Duration Per Thousand Borrowed Rate
48 Months $23.37 5.75% APR
60 Months $19.22 5.75% APR
72 Months $16.69 6.25% APR
84 Months $14.97 6.75% APR
96 Months* $13.76 7.25% APR
Pre-Owned Auto
Duration Per Thousand Borrowed Rate
48 Months $23.60 6.25% APR
60 Months $19.68 6.75% APR
72 Months $17.17 7.25% APR
84 Months $15.46 7.75% APR
RVs
Duration Per Thousand Borrowed Rate
New RV | 12 years max $10.29 7.00% APR
Used RV | 12 years max $10.56 7.50% APR
Boats
Duration Per Thousand Borrowed Rate
New Boat | 12 years max $9.89 6.25% APR
Used Boat | 12 years max $10.16 6.75% APR
Personal
Duration Per Thousand Borrowed Rate
$2,500    36 months max $32.85 11.24% APR
$5,000    36 months max $32.38 10.24% APR
$12,000   84 months max $16.22 9.24% APR
Debt Consolidation
Duration Per Thousand Borrowed Rate
$20,000 | 84 months max $16.73 10.24% APR
Share-Secured
Duration Rate
90% of Share Balance | 60 months  As Low As 5.25% US Prime minus 2.0% APR
(longer terms available)
Mortgage Loans
First Mortgage
Duration Per Thousand Borrowed Rate
15 Year Fixed | 80% LTV $7.52 4.25% APR
30 Year Fixed | 80% LTV $5.52 5.25% APR
40/30 Balloon Fixed | 80% LTV $4.99 5.25% APR
Home Equity
Duration Rate
30/10 Balloon | 65% CLTV US Prime minus 0.5% APR
40/10 Balloon | 65% CLTV US Prime minus 0.5% APR
Investor Spec
Duration Per Thousand Borrowed
18 mo. Interest Only | $300k Max | 50% LTV Interest Only Payments of $8.33  9.99% APR
  • APR = Annual Percentage Rate               
  • All loans are subject to credit approval.
  • Advertised APR may change without notice.
  • *96 months term: new auto only – 680 minimum FICO – $30,000 minimum loan amount.
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Moving & Shared-Branching

After more than 50 years, MRFCU is excited to announce that we have moved to a new location at

535 Broadhollow Rd , Suite A4, Melville, NY 11747 (South Entrance) . Come visit our new location in person or take advantage of convenient Shared Branch Centers for in-person banking. Surcharge-free ATMs are also available for use. Please refer to the link below for any clarifications on how to take advantage of Shared-Branching and ATM locations near you. Text your zip code to 91989.

 Click Here to Learn More About Shared-Branching

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