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You will need to have
this program installed on your system before you can view our documentation.
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Rates effective as of September 1, 2010. All rates and terms are subject to change without notice. Rates may vary upon credit worthiness. Contact the Credit Union for more details.
* These are best rates and include all available discounts. Contact Credit Union for more details.
New Autos
Limited time offer
LOANS FINANCED AT 80% OR LESS WILL RECEIVE
AN ADDITIONAL RATE REDUCTION OF .25%
“RESTRICTIONS APPLY” |
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term |
APR |
| 100% financing |
Up to 60 Months |
4.50%* |
| 100% financing |
72 Months |
4.75%* |
| 100% financing |
84 Months |
4.75%* |
used Autos
Limited time offer
LOANS FINANCED AT 80% OR LESS WILL RECEIVE
AN ADDITIONAL RATE REDUCTION OF .25%
“RESTRICTIONS APPLY” |
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term |
APR |
| Total financing not to exceed Retail Blue Book value. Maximum term of 36 months for vehicles or mileage greater than 60,000. |
Up to 36 Months |
4.75%* |
| 48 - 60 Months |
5.00%* |
| 72 Months |
5.25%* |
| New rV/Motorhomes, camper, trailer |
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term |
APR |
| 90% financing |
48 Months |
8.25%* |
| 90% financing |
60 Months |
8.50%* |
| 90% financing |
84 Months |
8.75%* |
| 90% financing |
120 Months |
9.00%* |
| 90% financing |
180 Months |
9.15%* |
| used rV/Motorhomes, camper, trailer |
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term |
APR |
| 90% financing |
48 Months |
9.00%* |
| 90% financing |
60 Months |
9.25%* |
| 90% financing |
84 Months |
9.50%* |
| 90% financing |
120 Months |
9.75%* |
| 90% financing |
180 Months |
10.00%* |
other vehicle loans
new only 90% financed |
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term |
APR |
| boats & personal |
36 Months |
8.25%* |
| water craft |
48 Months |
8.50%* |
| snow mobiles |
60 Months |
8.75%* |
| off road vehicles |
72 Months |
9.00%* |
| motorcycles |
84 Months |
9.25%* |
| Share/Certificate secured |
term |
APR |
| 100% of available shares |
60 Months |
dividend rate plus 3% |
| Member value/Signature loan |
term |
APR |
| $15,000 maximum |
60 months |
11.25%* |
personal line of credit
(L.O.C.) |
term |
APR |
| $15,000 maximum |
Open ended |
10.25%* |
Instrument/Equipment Loans
(Purchase only) |
term |
APR |
| 90% financing max $50,000 |
72 months |
7.25%* |
| DGA, PGA & WGA Residual loan |
term |
APR |
| $15,000 maximum |
3 months |
9.00%* |
real estate
call for rates, details & fees. available in CA & NV only |
| up to 80% loan to value |
home equity line of credit (H.E.L.O.C.)
available in CA & NV only |
| max $250,000, up to 80% loan to value |
prime rate + 2.00% |
2nd trust deed
available in CA & NV only |
$100,000 maximum |
up to 80% loan to value |
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up to 72 months |
5.25%* |
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up to 120 months |
5.50%* |
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up to 180 months |
5.75%* |
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up to 240 months |
6.00%* |
EZ equity loan
home owners only. available in CA & NV only. |
term |
APR |
| max $15,000, up to 125% loan to value |
84 months |
10.00%* |
credit card
no annual fee - max $15,000 |
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| classic MasterCard |
10.49% |
| gold MasterCard |
8.99% |
| VISA (Earns reward points) |
13.50% |
Fees
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Fee
schedule effective November 1, 2009 |
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We
also make signature loans, home improvement loans, as well as loans for new and
used RVs, new boats and debt consolidation. Call for current rates.
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Higher
rates may apply depending on applicant's credit worthiness. |
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Rates
and terms are subject to change without notice. |
The following fees apply for refinancing existing MICU loans:
HELOC N/C. Call the credit union for details. $250.00 - Secured Loan $150.00 -
Unsecured Loan
HELOC Rate is 0-50 basis points over prime rate
Outside appraisal at member's expense may be substituted for low Kelly
Blue Book value. However the cost of the appraisal is the member's
responsibility.
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