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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:  March 2018 Premier
740+
 
 4 Star
739-680
3 Star
679-630
 
2 Star
629 Or <
 
Auto Loans 2012+ Term        
740+ rate requires
automatic payment, no
other discounts apply
1-36 months 3.49% 4.94% 6.65% 8.99%
37-60 months 4.49% 5.94% 7.65% 9.99%
61-84 months* 5.49% 7.94% 8.65% 11.99%
Autos 2011 - 2007 Term        
  1-36 months 6.49% 7.65% 8.65% 11.99%
  48 months 7.49% 8.65% 9.65% 12.99%
Autos 2006 - 2001 Term        
  1-36 months 8.49% 9.65% 10.65% 13.99%
Signature Loans Term        
$5,000 maximum 12-24 months 6.75% 9.00% 11.75% 16.00%
  36 months 6.75% 9.75% 12.75% 16.00%
  48 months 6.75% 10.00% 13.75% 16.00%
Loan Special Term Spring (April - May)  or  Holiday (November-January)
$3,000 maximum 1-36 months 6.00% 8.65% 11.65% 14.65%
Computer Loan Term ~ no additional discounts ~
$3,000 maximum 1-24 months 2.90% 2.90% 2.90% 2.90%

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

* 2016 or newer.
All above rates are APR (Annual Percentage Rate)

 

Saving / Certificate of Deposit Rates

  APR  APY Minimum
Regular Savings 0.15% 0.15% $25.00
Secondary Savings 0.15% 0.15% N/A
Christmas Club 0.65% 0.15% $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 0.15%  0.15% $25,000
$50,000-$89,999.99 0.20% 0.20% $50,000
$90,000.00 & over 0.25% 0.25% $90,000
       
Certificates of Deposit      
6 Month Certificate 1.00% 1.00% $1,000
12 Month Certificate 1.60% 1.60% $1,000
18 Month Certificate 1.70% 1.70% $1,000
2 Year Certificate 1.85% 1.85% $1,000
28 Month Special 2.75%
2.76% $1,000
3 Year Certificate 2.00% 2.01% $1,000
4 Year Certificate 2.15% 2.16% $1,000
5 Year Certificate 2.25% 2.26% $1,000
       
Individual Retirement Accounts      
IRA Shares 0.25% 0.25% N/A
12 Month IRA Certificate 0.998% 1.00% $1,000
24 Month IRA Certificate 1.99% 2.00% $1,000

 

APR:  Annual Percentage Rate

APY:  Annual Percentage Yield

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

  • Back-to-School Vehicle Loan starting at 2.99% APR*
  • Home Improvement rates as low as 2.99% APR*

* annual percentage rate

View Loan Rates

Certificate Special

  • 28 Month @ 2.75% APR*

*annual percentage rate

View CD Rates

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