Rates

Rates

Rates subject to change without notice.

Risk-Based | Loans | Checking & Savings | Certificates

New & Used Vehicles

Credit Rating/Term 750+ APR*
720-749
APR*
680-719
APR*
640-679
APR*
601-639
APR*
84 Months 3.35% 4.10% 5.10% 8.25% 10.75%

72 Months

3.25%
4.00%
5.00%
8.00%
10.50%

60 Months

2.95%
3.70%
4.70%
7.80%
10.00%

48 Months

2.85%
3.60%
4.60%
7.75%
9.75%

36 Months

2.75%
3.50%
4.50%
7.50%
9.50%

Maximum LTV- New 100% MSRP/ Used 100% NADA Retail / On Standard 1 Max LTV is NADA Trade Value / On Standard 2 Max LTV is 90% of NADA Trade

Home Equity Line Of Credit

Credit Rating
Prime is 3.25% / Floor Rate is 4.00% Effective 4/1/10
A+
 721+
 
APR*

680-720
APR* 

641-679
APR*
C
601-640
APR*
D
 below 600-
APR*
Up to 80%
4.00%
4.00%
4.25%
6.25%
7.25%
81% - 90%
4.00%
4.25%
5.25%
n/a
n/a

Special Equity Loan

Credit Rating
A+ 
721+
 
APR*
 
A
680-720
APR*
B
 641-679
APR*
C
 601-640
APR*
D
 below 600
 
APR*
Up to 80% LTV
6.00%
7.00%
8.50%
10.75%
11.50%
81-90% LTV
7.00%
8.00%
9.50%
n/a
n/a

Personal Loans

Credit Rating
A+  
721+
APR*
A
680-720
APR*

641-679
APR*

601-640
APR*

below 600
APR*
48 Months
9.90%
11.90%
12.90%
14.90%
17.90%
Maximum Loan Amount
15,000
12,500
10,000
5,000
2,500

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Loans
Rate
APR*
Term

Certificate Secured Loans - Click here for rate details
0.00


Share Secured Loans
5.00
36
Stock Secured Loans
10.00
60
Visa Platinum
8.99%
n/a
Visa Classic
13.88%
n/a
Secured Visa
14.88%
n/a
Mortgage Rates - Click here for information & rates
0.00
n/a

*APR = Annual Percentage Rate
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Checking & Savings

Dividend Rate
APY*
Term
Basic Savings
0.20
0.20
n/a
Special Purpose Accounts
0.20
0.20
n/a
MembersFirst 55 Plus Share Account
0.40
0.40
n/a
Christmas Club Accounts
0.25
0.25
n/a
Savasaurus Club Savings
0.40
0.40
n/a
CU Succeed Savings
0.40
0.40
n/a
CU Succeed Checking
0.10
0.10
n/a
Direct Deposit Checking
0.10
0.10
n/a
Interest Checking Accounts
0.05
0.05
n/a
MembersFirst 55 Plus Checking
0.10
0.10
n/a
Personal Business Checking
0.10
0.10
n/a
Traditional IRA Share Account
0.59
0.60
n/a
Roth IRA Share Account
0.59
0.60
n/a
Educational IRA Share Account
0.59
0.60
n/a
Money Market $100.00 to $999.99
0.30
0.30
n/a
Money Market $1,000.00 to $9,999.99
0.44
0.45
n/a
Money Market $10,000 to $24,999.99
0.54
0.55
n/a
Money Market $25,000.00 to $99,999.99
0.59
0.60
n/a
Money Market $100,000 and above 0.64 0.65 n/a

*APY = Annual Percentage Yield
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Certificates

Dividend Rate
APY*
Term
90 day CD
0.39
0.40
3
6 Month CD
0.39
0.40
6
1 year CD
0.59
0.60
12
18 Month CD
0.69
0.70
18
2 Year CD
0.89
0.90
24
3 Year CD
1.19
1.20
36
4 Year CD
1.48
1.50
48
5 Year CD
1.83
1.85
60
MembersFirst 55 Plus 90 Day CD
0.43
0.44
3
MembersFirst 55 Plus 6 Month CD
0.43
0.44
6
MembersFirst 55 Plus 1 Year CD
0.65
0.66
12
MembersFirst 55 Plus 18 Month CD
0.76
0.77
18
MembersFirst 55 Plus 2 Year CD
0.98
0.99
24
MembersFirst 55 Plus 3 Year CD
1.31
1.32
36
MembersFirst 55 Plus 4 Year CD 1.63
1.65
48
MembersFirst 55 Plus 5 Year CD 2.01
2.03
60

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