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RATES
Loan
Rates
Savings
Rates
Calculators
Mortgage/Loan Calculator
College Planner
Retirement
Calculator
Financial and Retirement Strategies
Loan
Rates
*APR= Annual Percentage Rates
Auto Loans
Buy a Car with
Automotive Avenues
New and
Used Autos
Up to 100% financing for up to 72 months.
Rates as low as 4.55% APR* on a 24 month term.
*APR is determined by term and credit worthiness
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 6.25% APR* |
| 5 years |
As low as 6.50% APR* |
| 7 years |
As low as 7.00% APR* |
| 10 years |
As low as 7.25% 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 6.00% APR*
.50% cap per adjustment/ 2% annual
cap
Quarterly adjustments
Non-Capped HELOC
As low as 5.00% APR*
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
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
Titled
Auto rate +1.00%, same terms available
for autos
Luxury Titled ($30,000 or more)
| up to 60 months |
+1.00% |
| up to 72 months |
+1.50% |
| up to 84 months |
+2.00% |
Personal
Signature Loans
Rates as low as 9.90% APR*
APR is determined by term and credit worthiness
* Annual Percentage Rates effective as of August 27, 2008 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
Mortgage/Loan
Calculator
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Savings Rates & Investment Options
All MCCU Savings and Invesment Options are federally insured to at least $100,000 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 June 30, 2008. $25.00 minimum balance
required for credit union membership.
APY: Annual Percentage Yield
| Balance |
APY |
Dividend Rate |
| $100.00 or greater |
.50% |
0.49% |
Holiday/Vacation Accounts
|
APY |
$5.00 minimum balance required
Holiday Club Savings |
.50% |
$5.00 minimum balance required
Vacation Club Savings
|
.50% |
Money
Market Accounts
Metrums' Money Market savings accounts pay a progressively
higher rate on increasing balances and has no early withdrawal
penalties. $2,500 miminum balance required to earn dividends.
| Balance |
APY |
| $2,500 - $9,999.99 |
0.65% |
| $10,000 - $24,999.99 |
1.50% |
| $25,000 - $49,999.99 |
2.00% |
| $50,000- $99,999.99 |
2.30% |
| $100,000 or greater |
2.40% |
Dividend-Wi$e
Checking
(Share Draft Account)
| Balance |
APY |
| $500.00* or more |
0.25% |
*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)
| Term |
Minimum Balance |
APY |
| 6 months |
$1,000 |
2.75% |
|
$10,000 |
3.00% |
|
$25,000 |
3.10% |
| 9 months |
$1,000 |
2.75% |
|
$10,000 |
3.00% |
|
$25,000 |
3.10% |
| 12 months |
$1,000 |
3.00% |
|
$10,000 |
3.25% |
|
$25,000 |
3.35% |
| 18 months |
$1,000 |
3.00% |
|
$10,000 |
3.25% |
|
$25,000 |
3.35% |
| 24 months |
$1,000 |
3.05% |
|
$10,000 |
3.30% |
|
$25,000 |
3.40% |
| 30 months |
$1,000 |
3.05% |
|
$10,000 |
3.30% |
|
$25,000 |
3.40% |
| 36 months |
$1,000 |
3.20% |
|
$10,000 |
3.45% |
|
$25,000 |
3.55% |
| 48 months |
$1,000 |
3.30% |
|
$10,000 |
3.55% |
|
$25,000 |
3.65% |
| 60 months |
$1,000 |
3.35% |
|
$10,000 |
3.60% |
|
$25,000 |
3.70% |
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 Money Market savings accounts pay a progressively higher rate on increasing balances.
| Balance |
APY |
| $100.00 - $2,499.99 |
0.50% |
| $2,500 - $9,999.99 |
0.65% |
| $10,000 - $24,999.99 |
1.50% |
| $25,000 - $49,999.99 |
2.00% |
| $50,000 - $99,999.99 |
2.30% |
| $100,000 or greater |
2.40% |
|
|
IRA Certificates
(early withdrawal penalties same as regular certificates)
| Term |
Minimum Balance |
APY |
| 12 months |
$1,000 |
3.00% |
|
$10,000 |
3.25% |
|
$25,000 |
3.35% |
| 24 months |
$1,000 |
3.05% |
|
$10,000 |
3.30% |
|
$25,000 |
3.40% |
| 36 months |
$1,000 |
3.20% |
|
$10,000 |
3.45% |
|
$25,000 |
3.55% |
| 48 months |
$1,000 |
3.30% |
|
$10,000 |
3.55% |
|
$25,000 |
3.65% |
| 60 months |
$1,000 |
3.35% |
|
$10,000 |
3.60% |
|
$25,000 |
3.70% |
All rates/annual percentage yields are subject to change
without notice. Savings rates effective as of August 27, 2008.
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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