Rates & Fees
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| Loan Type | Rates as low as | Terms & Information |
|---|---|---|
| NEW AUTO 1-36 MONTHS 2022+ » | 6.15% | |
| NEW AUTO 37-60 MONTHS 2022+ » | 6.35% | |
| NEW AUTO 61-84 MONTHS 2022+ » | 7.24% | |
| USED AUTO 1-36 MONTHS 2022+ » | 6.15% | |
| USED AUTO 37-60 MONTHS 2022+ » | 6.35% | |
| USED AUTO 61-84 MONTHS 2022+ » | 7.24% | |
| USED AUTO 1-36 MONTHS 2018-21 » | 6.35% | |
| USED AUTO 37-48 MONTHS 2018-21 » | 7.05% | |
| USED AUTO 49-60 MONTHS 2018-21 » | 7.35% | |
| USED AUTO 1-36 MONTHS 2012-17 » | 9.15% | |
| USED AUTO 37-48 MONTHS 2012-17 » | 10.15% | |
| USED AUTO 1-36 MONTHS 2006-11 » | 10.55% | |
| SIGNATURE LOAN 12-24 MONTHS » | 9.85% | Borrow up to $5,000 |
| SIGNATURE LOAN 25-36 MONTHS » | 9.85% | Borrow up to $5,000 |
| SIGNATURE LOAN 37-48 MONTHS » | 9.85% | Borrow up to $5,000 |
| LOAN SPECIAL » | 8.98% | OFFERED: April-May & November-January |
| Home Improvement Loan » | 6.49% | Borrow up to $10,000 |
| Computer Loan » | 6.4% | Borrow up to $3,000 |
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)
| Account Type | APY | Minimum Deposit | Minimum Balance |
|---|---|---|---|
| SECONDARY SHARES | 0.1% | $5 | |
| CHRISTMAS CLUB | 0.1% | $5 | $5 |
| MONEY MARKET | 0.1% | $10000 | $0 |
| MONEY MARKET | 0.35% | $10000 | $10000 |
| MONEY MARKET | 0.55% | $10000 | $25000 |
| MONEY MARKET | 0.75% | $10000 | $50000 |
| MONEY MARKET | 1% | $10000 | $90000 |
| CHECKING | 0.05% | $1 | |
| ROTH IRA | 0.25% | $5 |
| Certificate Term | APY | Minimum Deposit |
|---|---|---|
| 6 MONTH CD | 3.53% | $1000 |
| 12 MONTH CD | 3.79% | $1000 |
| 18 MONTH CD | 3.53% | $1000 |
| 24 MONTH CD | 3.28% | $1000 |
| 36 MONTH CD | 3.02% | $1000 |
| 48 MONTH CD | 3.02% | $1000 |
| 60 MONTH CD | 3.02% | $1000 |
| 12 MONTH IRA CD | 3.79% | $1000 |
| 24 MONTH IRA CD | 3.28% | $1000 |
| 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 Debit Card | $10.00 |
| Replacement Credit Card | $10.00 |
| Debit Card PIN Reminder | $5.00 |
| Wire Transfers | Fee Amount |
| Incoming Domestic Wire | $10.00 |
| Incoming Foreign Wire | $15.00 |
| Outgoing Domestic Wire | $25.00 |
For a full list of fees please review the attached Schedule of Fees