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Rates

Loan Rates

*APR= Annual Percentage Rates

New and Used Autos

Up to 100% financing for up to 84 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-New Money Only.
**Existing MCCU auto loan refinance as low as rate is 2.89% APR

Buy a Car with Automotive Avenues

Check First Mortgage Rates and Apply Online

Home Equity Line-of-Credit (HELOC)

Up to 100% financing

Fixed Rate Loan
3 years As low as 4.25% APR
5 years As low as 4.50% APR
7 years As low as 5.00% APR
10 years As low as 5.25% APR

APR is determined upon credit worthiness and loan to value

Variable Rate Home Equity Line-of-Credit (HELOC) - 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
As low as 4.25% APR
.50% cap per adjustment/ 2% annual cap
Quarterly adjustments

Non-Capped HELOC
As low as 3.25% APR
No cap per adjustment
Monthly adjustments

Check the value of your home

Visa® Credit Cards

Classic Card:
*As low as 10.99% APR** Fixed-Rate

Premier Rewards Card:
*As low as 9.74% APR Variable Rate
*Earn points for purchases made and use for gift cards and travel!

Share Secured Options Available
**Maximum APR 18.00% 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

Overdraft Line-of-Credit Protection 17.00% APR

* Annual Percentage Rates effective as of March 31, 2014, 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.

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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.

Regular Share Savings
Dividends are declared and paid at the end of each quarter. Dividend quoted is as of March 31, 2014. $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 interest.

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 $500 in the Dividend-Wi$e Checking will be assessed a service charge of $4.00 per month.

Small Business Checking
(Share Draft Account)

Balance (no minimum to maintain account) APY
$2,500.00 or greater 0.025%

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 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 (6 to 8 months) $1,000 and greater 0.30%
   
   
9 months (9 to 11 months) $1,000 and greater 0.40%
   
   
12 months (12 to 17 months) $1,000 and greater 0.45%
   
   
18 months (18 to 23 months) $1,000 and greater 0.55%
   
   
24 months (24 to 29 months) $1,000 and greater 0.70%
   
   
30 months (30 to 35 months) $1,000 and greater 0.75%
   
   
36 months (36 to 47 months) $1,000 and greater 0.95%
   
   
48 months (48 to 59 months) $1,000 and greater 1.30%
   
   
60 months (60 months and higher) $1,000 and greater 1.60%
   
   

Early withdrawal penalties apply: 6 month to 11 month terms – 90 days interest penalty. 12 months or greater – 180 days interest penalty. If choosing a flexible non-bold term, CD will renew at the corresponding bold term. Opening balance and minimum balance requirements are the same. Fees or withdrawals may reduce the earnings on this account.  APY assumes that interest remains 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. Interest is 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, 2014. Dividends are calculated on the average daily balance of the account. For a current rate quote, call the credit union at 303-770-4468.

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