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We put our
members first

Our members and their needs are our first priority.

Rates & Fees

 

Tiered Loan Rates - See notes below on how you could receive up to a 1% discount off posted rates.

 

Effective Date:  July 2022 Rates as low As
   
Auto Loans 2020+   Term        
 740+ rate requires automatic
payment, no other discounts apply
1-60 months        3.74%      
61-84 months       4.24%      
Auto 2015 - 2019 Term        

1-36 months       4.74%
   
48 months       5.24%
   
60 months       5.74%
   
Auto 2009 - 2014 Term        
  1-36 months       6.74%
   
  48 months       7.74%
   
Auto 2003 - 2008 Term        
  1-36 months       8.74%
   
Signature Loans Term        
$5,000 maximum 12-24 months       8.00%
   
  36 months       8.00%
   
  48 months       8.00%

 
Loan Special Term Spring (April - May)  or  Holiday (Nov-Jan)
$3,000 maximum 1-36 months       7.00%
   
Computer Loan Term ~ no additional discounts ~
$3,000 maximum 1-24 months       3.90%
   

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:

  • Active Checking
  • Active M-O FCU Visa Credit Card
  • Automatic payment or payroll deduction
  • Mortgage with M-O FCU
  • Credit Life or Credit Disability
  • 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 0.15% 0.15% $10,000
$25,000-$49,999.99 0.25%  0.25% $25,000
$50,000-$89,999.99 0.35% 0.35% $50,000
$90,000.00 & over 0.45% 0.45% $90,000
       
Share Certificates      
6 Month Certificate 0.75% 0.75% $1,000
12 Month Certificate 1.75% 1.76% $1,000
18 Month Certificate 2.00% 2.01% $1,000
2 Year Certificate 2.25% 2.26% $1,000
3 Year Certificate 2.35% 2.36% $1,000
4 Year Certificate 2.40% 2.41% $1,000
5 Year Certificate 2.45% 2.46% $1,000
       
Individual Retirement Accounts      
IRA Shares 0.25% 0.25% N/A
12 Month IRA Certificate 1.75% 1.76% $1,000
24 Month IRA Certificate 2.25% 2.26% $1,000

 

APR:  Annual Percentage Rate

APY:  Annual Percentage Yield

 

Last Update:  9/20/2022

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

Calculators

Member Benefits

Loan Specials

  • Recreational Vehicle Special: 2.71%

* annual percentage rate

View Loan Rates

Certificate Specials

  • no special at this time

*annual percentage rate

View CD Rates

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