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Rates

 

 

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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 5.50% 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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Protect Yourself From Check Washing

Check Washing is On the Rise

 

Check washing is a type of fraud where stolen checks are altered using chemicals or solvents to change the payee name and amount, allowing fraudsters to cash them for themselves.

 

  • Use indelible/fraud proof black gel ink when writing checks – it's more resistant to washing.
  • Secure your mail and consider dropping off outgoing checks at the post office or using a secure mailbox.
  • Monitor your bank accounts regularly for suspicious activity and report any discrepancies to MRFCU immediately.
  • Consider using electronic payment methods like your debit card or mobile banking when possible for increased security.

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