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Account
Type
|
Annual
Percentage Yield *
|
Minimum
to Open
|
Minimum
to earn
Dividend
|
Dividend
Frequency
|
| Regular
Share |
0.50% |
$10.00 |
$100.00 |
Monthly |
Christmas
Club
(term varies depending on opening date) |
0.50% |
$10.00 |
N/A |
Annually |
| Share
Draft (Checking) |
0.15% |
$50.00 |
$100.00 |
Monthly |
|
Malama Rewards (Checking) |
1.00% |
$50.00 |
$100.00 |
Monthly |
| IRA-Traditional |
1.10% |
$10.00 |
N/A |
Monthly |
| IRA-ROTH |
1.10% |
$10.00 |
N/A |
Monthly |
| IRA-Coverdell
ESA |
1.10% |
$10.00 |
N/A |
Monthly |
|
Dividends
and annual percentage yields may change
monthly, as determined by the Board of
Directors. Rates are subject to change
after account is opened. Credit Union membership is $100.00 par value.
Penalties may be imposed on early
withdrawals, as applicable. |
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to the top
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Term
|
Annual
Percentage Yield *
|
Minimum
to Open
|
Dividend
Frequency
|
| 6-month |
0.55% |
$1,000.00 |
Monthly |
| 1-year |
0.75% |
$1,000.00 |
Monthly |
| 2-year |
1.10% |
$1,000.00 |
Monthly |
| 3-year |
1.25% |
$1,000.00 |
Monthly |
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Dividends are credited to your Regular Share account or back to certificate. Share Certificate rates are fixed and will be in effect for the term of the account. Penalties may be imposed on early withdrawals, as applicable. |
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to the top
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| Loan
Products |
|
Loan
Type
|
Conditions
|
Approximate
Term
|
Annual
Percentage Rate
|
| Share-Secured
Loan |
100%
Share Secured |
-
|
2.50% |
|
Repayment
Example |
|
New Auto Loan as low as |
3.50%* |
|
Used Auto Loan as low as |
4.50%* |
| *The rate stated is based on an evaluation of applicant credit, auto payment, and loan and collateral protection. Your actual rate may vary. |
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Repayment
Example |
| Personal
Loan as low as |
7.00%** |
| **The rates stated are based on an evaluation of applicant credit and auto payment. Your actual rate may vary. |
|
Repayment
Example |
| Consolidation
Loan
as low as |
8.50%** |
| **The rates stated are based on an evaluation of applicant credit and auto payment. Your actual rate may vary. |
|
Repayment
Example |
| Overdraft
Protection |
up
to $2,500 |
Revolving |
14% |
| Loan advances done in $50.00 increments. Monthly payment for loan balances up to $1,500.00 is $50.00. Monthly payment for loan balances from $1,500.01 to $2,500.00 is $100.00. $2,500.00 maximum loan amount. |
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Repayment
Example |
|
Mortgage Loans |
Rate |
APR |
Monthly Payment |
|
10 yr fix rate/10 yr term |
4.75% |
4.97% |
$1,048.47*** |
|
15 yr fix rate/15 yr term |
5.00% |
5.16% |
$790.79*** |
|
30 yr fix rate/30 yr term |
6.00% |
6.10% |
$599.55*** |
|
5/1/30 |
4.500% |
4.53% |
$506.68*** |
| Home
Equity Loan |
4.00% |
4.00% |
$739.69*** |
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***Payments based on
$100,000 loan amount |
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Click Here to Pre-Qualify for a Mortgage Loan |
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Rates are updated weekly and are subject to change
without notice. Rates and terms may vary based on
credit history, loan-to-value ratio, financial
condition of applicant, and condition of collateral.
Rates are subject to change and are dependent upon
borrower qualification (maximum LTV 70% for HELOC’s,
maximum LTV 80% for
refinances and purchase transactions) and
satisfactory appraisal. The above is not an
advertisement of rate as determined by Regulation Z,
nor an offer for lock-in. Other terms and conditions
may apply. |
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10.25% |
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Rates on this page are current as of 09/01/2011;
and are subject to change at any time without
notice. Contact us for applicable rates after this
date. (808) 244-7968 |
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MCFCU Fee Schedule |
Fee Schedule |
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