LoanRates
*APR= Annual Percentage Rates
New and Used Autos
Up to 100% financing for up to 72 months.
Purchases: Rates as low as 2.49% APR* on a 24 month term.
Refinances: Rates as low as 2.89% APR on a 24 month term.
*APR is determined by term and credit worthiness
Buy a Car with Automotive Avenues
Check First Mortgage Rates and Apply Online
Home Equity Line-of-Credit (HELOC)
Up to 100% financingFixed Rate Loan
| 3 years | As low as 4.75% APR* |
| 5 years | As low as 5.00% APR* |
| 7 years | As low as 5.50% APR* |
| 10 years | As low as 5.75% APR* |
APR is determined upon credit worthiness and loan to value
Variable Rate Line-of-Credit - 2
options
15 year amortization. Rate subject to change based
on the Prime Index Rate. 18% ceiling rate. APR
is determined upon credit worthiness and loan to value.
Capped HELOC-(Home Equity Line-of-Credit)
As low as 4.25% APR*
.50% cap per adjustment/ 2% annual
cap
Quarterly adjustments
Non-Capped HELOC
As low as 3.25%
No cap per adjustment
Monthly adjustments
Check the value of your home
Visa® Credit Card
*As low as 10.99% APR**, with no
annual fee
*Fixed-Rate
*Share Secured Options Available
**APR and annual fee to be determined
by credit qualifying criteria
Maximum APR currently at 16.99%
APR* with a $15 annual fee.
Other Secured Loans
Motorcycles and Recreational Vehicles
Rates as low as 4.99% APR*
Personal
Signature Loans
Rates as low as 9.65% APR*
APR is determined by term and credit worthiness
| Overdraft Line-of-Credit Protection | 17.00% APR* |
* Annual Percentage Rates effective as of March 31, 2013, and are subject to change without notice. All loans subject to credit approval. As low as rates are based on financing term and credit score. Metrum Community Credit Union is an equal housing/equal opportunity lender.
Loan Application
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Savings Rates & Investment Options
All MCCU Savings and Investment Options are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA
Regular
Share Savings
Dividends are declared and paid at the end of each quarter.
Dividend quoted is as of March 31, 2013. $25.00 minimum balance
required for credit union membership.
APY: Annual Percentage Yield
| Balance | APY | Dividend Rate |
| $100.00 or greater | .10% | 0.10% |
Convenience Savings Accounts
| $5.00 minimum balance required | APY |
| Holiday Club Savings | .10% |
| Vacation Club Savings | .10% |
| Other Savings |
.10% |
Money
Market Accounts
Metrums' Money Market savings accounts pay a progressively
higher rate on increasing balances and has no early withdrawal
penalties. $2,500 minimum balance required to earn monthly dividends.
| Balance | APY |
| $2,500 - $9,999.99 | 0.10% |
| $10,000 - $24,999.99 | 0.15% |
| $25,000 - $49,999.99 | 0.20% |
| $50,000- $99,999.99 | 0.25% |
| $100,000 or greater | 0.30% |
Dividend-Wi$e
and HOA Checking
(Share Draft Account)
| Balance | APY |
| $500.00* or more | 0.025% |
*Balances below $500 will be assessed a service charge of
$4.00 per month.
Money-Wi$e
Checking
(Share Draft Account)
Non-interest bearing account!
No minimum balance required!
No monthly service charge!
Share
Certificates (CDs)
IRA certificate terms are only 12 months, 24 months, 36 months, 48 months and 60 months.
Opening balance and minimum balance requirements are the same. If 18 years and under of age, minimum balance is $500.00
| Term | Minimum Balance | APY |
| 6 months | $1,000 and greater | 0.30% |
| 9 months | $1,000 and greater | 0.40% |
| 12 months | $1,000 and greater | 0.45% |
| 18 months | $1,000 and greater | 0.55% |
| 24 months | $1,000 and greater | 0.70% |
| 30 months | $1,000 and greater | 0.75% |
| 36 months | $1,000 and greater | 0.95% |
| 48 months | $1,000 and greater | 1.20% |
| 60 months | $1,000 and greater | 1.45% |
Early withdrawal penalties apply: 6 month and 9 month terms – 90 days interest penalty. 12 months or greater – 180 days interest penalty. Opening balance and minimum balance requirements are the same. Fees or withdrawals may reduce the earnings on this account. APY assumes that dividends remain on deposit until maturity, withdrawal of funds will reduce earnings on the account.
IRA
Options
Metrums' Retirement Tiered Savings accounts pay a progressively higher rate on increasing balances. Dividends are paid quarterly.
| Balance | APY |
| $100.00 - $2,499.99 | 0.10% |
| $2,500 - $9,999.99 | 0.10% |
| $10,000 - $24,999.99 | 0.15% |
| $25,000 - $49,999.99 | 0.20% |
| $50,000 - $99,999.99 | 0.25% |
| $100,000 or greater | 0.30% |
All rates/annual percentage yields are subject to change without notice. Savings rates effective as of March 31, 2013. Dividends are calculated on the average daily balance of the account. For a current rate quote, call the credit union at 303-770-4468.
