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Rates

Share Accounts  

Account Type

Annual Percentage Yield*

Minimum Opening Deposit

Minimum Balance to earn APY

Dividend
Frequency

Regular Share 0.20% $10.00 $100.00 Monthly
Christmas Club
(term varies depending on opening date)
0.20% $10.00 N/A Annually
Share Draft (Checking) 0.10% $50.00 $100.00 Monthly
Malama Rewards (Checking) 0.50% $50.00 $100.00 Monthly
IRA-Traditional 0.50% $10.00 N/A Monthly
IRA-ROTH 0.50% $10.00 N/A Monthly
IRA-Coverdell ESA 0.50% $10.00 N/A Monthly
  Annual Percentage Yields (APYs) shown are accurate as of 05/01/13. The rates may change after the accounts are opened. Fees could reduce the earnings on the accounts. Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Credit Union membership is $100.00 par value.

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Share Certificates

Term

Annual Percentage Yield *

Minimum Opening Deposit

Dividend Frequency

6-month 0.30% $1,000.00 Monthly
1-year 0.40% $1,000.00 Monthly
2-year 0.50% $1,000.00 Monthly
3-year 0.60% $1,000.00 Monthly
4-year 0.75% $1,000.00 Monthly
5-year 1.00% $1,000.00 Monthly
  Annual Percentage Yields (APYs) are accurate as of 03/01/14. A penalty may be imposed for early withdrawals. Dividends are credited to your Regular Share account or back to certificate.

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Loan Products

Loan Type

Conditions

Approximate Term

Annual Percentage Rate

Share-Secured Loan 100% Share Secured

up to 5-years

2.00%
  " "

5-years (+) to 10-years

2.50%

Repayment Example: A $5000.00 loan at 2% APR over a 5 year term would require monthly payments of $87.64

New Auto Loan as low as
Age of vehicle 2010 and newer

2.90%*
Used Auto Loan as low as
Age of vehicle 2004-2009
4.75%*

Repayment Example: A $15000.00 loan at 2.9% APR over a 5 year term would require monthly payments of $268.86

Personal Loan as low as 7.00%*

Repayment Example: A $5000.00 loan at 7% APR over a 1 year term would require monthly payments of $432.63

Consolidation Loan as low as 8.50%*

Repayment Example: A $5000.00 loan at 8.5% APR over a 1 year term would require monthly payments of $436.10

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.
*The rates stated are based on an evaluation of applicant credit and auto payment. Your actual rate may vary.
Mortgage Loans (Portfolio) Rate Points APR Monthly Payment
5/1/30 ARM 3.500% 0.00 4.216% $449.04**
10 yr fix rate/10 yr term 3.250% 0.00 3.433% $977.19**
15 yr fix rate/15 yr term 3.500% 0.00 3.634% $714.88**
30 yr fix rate/30 yr term 5.500% 0.00 5.585% $567.78**
Home Equity Loan 4.000% 0.00 4.000% --

     
Mortgage Loans (Conventional Fixed)        
30 Year Fixed 4.375% 2.00 4.423% $499.28**
30 Year Fixed 4.500% 1.00 4.579% $506.68**
15 Year Fixed 3.375% 2.00 3.452% $708.75**
15 Year Fixed 3.500% 1.00 3.578% $714.88**
**Payments based on $100,000 loan amount
Click Here to Apply for a Mortgage Loan
  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 80% 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.
 
Visa Platinum

as low as

10.25%
  Rates on this page are current as of 03/01/2014; and are subject to change at any time without notice. Contact us for applicable rates after this date. (808) 244-7968
MCFCU Fee Schedule

Fee Schedule