| Auto Loans |
|
|
|
|
|
| |
|
6.15% |
|
|
|
| |
|
|
|
|
|
| Signature Loans |
|
|
|
|
|
| $5,000 maximum |
|
9.85% |
|
|
|
| |
|
|
|
|
|
| Loan Special |
|
Spring (April - May) Holiday (Nov-Jan) |
| $3,000 maximum |
|
8.98% |
|
|
|
| |
|
|
|
|
|
| Computer Loan |
|
|
| $3,000 maximum |
|
6.40% |
|
|
|
Lending rates are based on type/age of collateral, loan term and credit history (M-O FCU utilizes Equifax Credit Report to obtain credit score). M-O FCU offers a .25% rate reduction (1% maximum) for each of the qualifying services listed below on applicable loans/terms*:
- Active Checking (minimum of 10 transactions per month)
- Active M-O FCU Visa Credit Card (minimum of 10 transactions per month)
- Automatic payment or payroll deduction
- Mortgage with M-O FCU
- Credit Life or Credit Disability (Debt Protection)
- Receive E*Statements
- Other M-O FCU accounts with $5,000 or greater balance
- First loan with M-O FCU
- Purchase Route 66 Warranty, may extend loan term up to 8 months, not to exceed 84 months
* some rates may require automatic payment, and/or do not qualify for other discounts.
All above rates are APR (Annual Percentage Rate)
Saving / Share Certificate Rates
| |
APR |
APY |
Minimum |
| Regular Savings |
0.10% |
0.10% |
$25.00 |
| Secondary Savings |
0.10% |
0.10% |
N/A |
| Christmas Club |
0.10% |
0.10% |
$5.00 |
| Checking Accounts |
0.05% |
0.05% |
N/A |
| |
|
|
|
| Money Market Accounts |
|
|
|
| $10,000-$24,999.99 |
0.35% |
0.35% |
$10,000 |
| $25,000-$49,999.99 |
0.55% |
0.55% |
$25,000 |
| $50,000-$89,999.99 |
0.75% |
0.75% |
$50,000 |
| $90,000.00 & over |
1.00% |
1.00% |
$90,000 |
| |
|
|
|
| Share Certificates |
|
|
|
| 6 Month Certificate |
4.00% |
4.04% |
$1,000 |
| 12 Month Certificate |
4.25% |
4.30% |
$1,000 |
| 18 Month Certificate |
3.75% |
3.78% |
$1,000 |
| 2 Year Certificate |
3.75% |
3.78% |
$1,000 |
| 3 Year Certificate |
3.00% |
3.02% |
$1,000 |
| 4 Year Certificate |
3.00% |
3.02% |
$1,000 |
| 5 Year Certificate |
3.00% |
3.02% |
$1,000 |
| |
|
|
|
| Individual Retirement Accounts |
|
|
|
| IRA Shares |
0.25% |
0.25% |
N/A |
| 12 Month IRA Certificate |
4.25% |
4.30% |
$1,000 |
| 24 Month IRA Certificate |
3.75% |
3.78% |
$1,000 |
APR: Annual Percentage Rate
APY: Annual Percentage Yield
Rates current as of: 12/02/2024
Fees
| Overdraft Charges |
Fee Amount |
| Overdraft Fee |
$25.00 |
| Overdraft Transfer Fee |
$5.00 |
| Consecutive NSF Days |
$3/day (after 7 days) |
| Debit/Credit Card Fees |
Fee Amount |
| Replacement ATM/Debit Card |
$10.00 |
| Replacement Credit Card |
$10.00 |
| Debit Card PIN Reminder |
$5.00 |
| Wire Transfers |
Fee Amount |
| Incoming Domestic Wire |
$10.00 |
| Outgoing Domestic Wire |
$25.00 |
For a full list of fees please review the attached Schedule of Fees