{"id":16,"date":"2018-10-30T15:11:20","date_gmt":"2018-10-30T15:11:20","guid":{"rendered":"https:\/\/dev.mlfcu.net\/?page_id=16"},"modified":"2018-10-30T15:11:20","modified_gmt":"2018-10-30T15:11:20","slug":"all-rates-2","status":"publish","type":"page","link":"https:\/\/www.mlfcu.net\/?page_id=16","title":{"rendered":"All Rates"},"content":{"rendered":"\n

Vehicles<\/h2>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
(*)APR=Annual Percentage Rate. **Some rates below may be eligible for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection and\/or GAP on loans and a 0.125% discount for Mechanical Repair Coverage on auto loans. Rates and Terms are subject to change without notification. Rates are effective as of April 1, 2026.<\/th>\n<\/tr>\n<\/thead>\n
Loan Type<\/td>APR* as low as<\/td>Term<\/td>\n<\/tr>\n
New Vehicle (2025- 2026)<\/strong><\/td>\n<\/tr>\n
<\/td>3.99%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td>3.99%*<\/td>up to 60 mo.<\/td>\n<\/tr>\n
<\/td>3.99%*<\/td>up to 72 mo.<\/td>\n<\/tr>\n
<\/td>6.50%*<\/td>up to 84 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Used Vehicle (2018 - 2025)<\/strong><\/td>\n<\/tr>\n
<\/td>3.99%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td>3.99%*<\/td>up to 60 mo.<\/td>\n<\/tr>\n
<\/td>3.99%*<\/td>up to 72 mo.<\/td>\n<\/tr>\n
<\/td>6.50%*<\/td>up to 84 mo. *only eligible for 2020 and newer vehicles<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Used Vehicle (2013 - 2017)<\/strong><\/td>\n<\/tr>\n
<\/td>6.75%*<\/td>up to 48 mo. <\/td>\n<\/tr>\n
<\/td>8.50%*<\/td>up to 60 mo. if loan amount is over $10,000<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Used Vehicle (2012 & older) max mileage 150,000<\/strong><\/td>\n<\/tr>\n
<\/td>10.99%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
DRIVE4LESS (New 2025 - 2026)<\/strong><\/td>\n<\/tr>\n
<\/td>5.76%*<\/td>up to 48 months<\/td>\n<\/tr>\n
<\/td>5.76%*<\/td>up to 60 months<\/td>\n<\/tr>\n
<\/td>5.76%*<\/td>up to 72 months<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
DRIVE4LESS (Used 2020 - 2025)<\/strong><\/td>\n<\/tr>\n
<\/td>5.76%*<\/td>up to 48 months<\/td>\n<\/tr>\n
<\/td>5.76%*<\/td>up to 60 months<\/td>\n<\/tr>\n
<\/td>5.76%*<\/td>up to 72 months<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
New ATV\/Snowmobile\/Motorcycle (2026 listed as new or within 6 mo. of new)<\/strong><\/td>\n<\/tr>\n
<\/td>5.25%*<\/td>up to 36 mo.<\/td>\n<\/tr>\n
<\/td>6.25%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td>7.25%*<\/td>up to 60 mo.<\/td>\n<\/tr>\n
<\/td>8.25%*<\/td>up to 72 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Used ATV\/Snowmobile\/Motorcycle (2015 - 2025)<\/strong><\/td>\n<\/tr>\n
<\/td>5.50%*<\/td>up to 36 mo.<\/td>\n<\/tr>\n
<\/td>6.50%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td>7.50%*<\/td>up to 60 mo.<\/td>\n<\/tr>\n
<\/td>8.50%*<\/td>up to 72 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Older Motorcycle (2014 & older)<\/strong><\/td>\n<\/tr>\n
<\/td>8.50%*<\/td>up to 36 mo.<\/td>\n<\/tr>\n
<\/td>9.50%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
New Camper\/Boat (2026 listed as new or within 6 mo. of new)<\/strong><\/td>\n<\/tr>\n
<\/td>3.99%*<\/td>up to 60 mo.<\/td>\n<\/tr>\n
<\/td>4.49%*<\/td>up to 72 mo.<\/td>\n<\/tr>\n
<\/td>4.99%*<\/td>up to 84 mo.<\/td>\n<\/tr>\n
<\/td>5.49%*<\/td>up to 120 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Used Camper\/Boat (2015 - 2025)<\/strong><\/td>\n<\/tr>\n
<\/td>4.99%*<\/td>up to 60 mo.<\/td>\n<\/tr>\n
<\/td>5.49%*<\/td>up to 72 mo.<\/td>\n<\/tr>\n
<\/td>5.99%*<\/td>up to 84 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Older Camper\/Boat (2012 - 2014)<\/strong><\/td>\n<\/tr>\n
<\/td>10.99%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Older Camper\/Boat (2004 - 2011)<\/strong><\/td>\n<\/tr>\n
<\/td>11.75%*<\/td>up to 42 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
New 2026 Side by Side\/UTV<\/strong><\/td>\n<\/tr>\n
<\/td>5.99%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td>6.25%*<\/td>up to 60 mo.<\/td>\n<\/tr>\n
<\/td>6.75%*<\/td>up to 72 mo.<\/td>\n<\/tr>\n
<\/td>7.25%*<\/td>up to 84 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n
Used 2015 - 2025 Side by Side\/UTV<\/strong><\/td>\n<\/tr>\n
<\/td>6.99%*<\/td>up to 48 mo.<\/td>\n<\/tr>\n
<\/td>7.25%*<\/td>up to 60 mo.<\/td>\n<\/tr>\n
<\/td>7.99%*<\/td>up to 72 mo.<\/td>\n<\/tr>\n
<\/td>8.25%*<\/td>up to 84 mo.<\/td>\n<\/tr>\n
<\/td><\/td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Personal & Shared Secured<\/h2>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t
(*)APR=Annual Percentage Rate. **Rates below may qualify for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection to loan. Rates and Terms are subject to change without notification.<\/th>\n<\/tr>\n<\/thead>\n
Loan Type<\/td>APR* as low as<\/td>Term<\/td>\n<\/tr>\n
Signature Loan<\/strong><\/td>13.49%*<\/td>0 to 60 mo.<\/td>\n<\/tr>\n
Co-Maker Loan<\/strong><\/td>11.49%*<\/td>0 to 60 mo.<\/td>\n<\/tr>\n
50% Secured by Shares<\/strong><\/td>11.10%*<\/td>0 to 60 mo.<\/td>\n<\/tr>\n
100% Secured by Shares<\/strong><\/td>2.00% over current savings or share certificate rate<\/td>0 to 60 mo.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Click Here to apply online<\/a>\u00a0for a Credit Union loan, or\u00a0Click Here to contact us<\/a>\u00a0for more details.<\/p>\n

Visa Cards<\/h2>\n\n\n\n\n\t\n\n\t\n\t
Loan Type<\/th>APR* as low as<\/th>Term<\/th>\n<\/tr>\n<\/thead>\n
VISA Credit Card<\/strong><\/td>12.90%<\/td><\/td>\n<\/tr>\n
(*)APR=Annual Percentage Rate - Rates and Terms are subject to change without notification.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Click Here to contact us<\/a>\u00a0for more details.<\/p>\n

Mortgage & Home Equity<\/h2>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t
NMLS ID# 422133 (*)APR=Annual Percentage Rate. **Rates below may qualify for a .50% discount for the Member Service Rewards for having 4+ services with the CU and a 0.125% discount for adding Debt Protection to the loan. Rates and Terms are subject to change without notification. Min. new money $15,000.<\/th>\n<\/tr>\n<\/thead>\n
Loan Type<\/td>APR*as low as<\/td>Term<\/td>\n<\/tr>\n
Home Equity
\nRates are for 1st Lien only. Please contact CU for 2nd Lien rates.<\/td>		4.99%*<\/td>5 Year<\/td>\n<\/tr>\n
<\/td>5.26%*<\/td>10 Year<\/td>\n<\/tr>\n
<\/td>5.75%*<\/td>15 Year<\/td>\n<\/tr>\n
Mortgage Loans<\/td>Varies<\/td>15, 20 & 30 year<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

To apply for a Home Equity loan, you can\u00a0visit one of our six locations<\/a>, or\u00a0call us for an application<\/a>.<\/p>\n

To apply for a Mortgage, you can visit OwnersChoice Funding<\/a>.<\/p>\n

Share, Clubs, Certificates, IRA’s<\/h2>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Type<\/th>APR*<\/th>APY*<\/th>Minimum
Balance<\/th>\n<\/tr>\n<\/thead>\n
Share(Savings)<\/td><\/td><\/td>$5.00<\/td>\n<\/tr>\n
$0.01 to $2,500.00<\/td>0.25%<\/td>0.25%<\/td><\/td>\n<\/tr>\n
$2,500.01 to $15,000.00<\/td>0.30%<\/td>0.30%<\/td><\/td>\n<\/tr>\n
$15,000.01 to $50,000.00<\/td>0.35%<\/td>0.35%<\/td><\/td>\n<\/tr>\n
$50,000.01 and above<\/td>0.40%<\/td>0.40%<\/td><\/td>\n<\/tr>\n
<\/td><\/td><\/td><\/td>\n<\/tr>\n
Share Drafts<\/td>0.0%<\/td>0.0%<\/td>N\\A<\/td>\n<\/tr>\n
Vacation\/Christmas Club Shares<\/td>0.05%<\/td>0.05%<\/td>None<\/td>\n<\/tr>\n
*6 month certificate<\/td>3.75%<\/td>3.75%<\/td>$500<\/td>\n<\/tr>\n
*12 month certificate<\/td>3.50%<\/td>3.50%<\/td>$500<\/td>\n<\/tr>\n
*24 month certificate<\/td>3.25%<\/td>3.25%<\/td>$500<\/td>\n<\/tr>\n
IRA's (Individual Retirement Accounts)<\/td>1.00%<\/td>1.00%<\/td>None<\/td>\n<\/tr>\n
*12 month IRA certificate<\/td>3.50%<\/td>3.50%<\/td>$500<\/td>\n<\/tr>\n
*24 month IRA certificate<\/td>3.00%<\/td>3.00%<\/td>$500<\/td>\n<\/tr>\n
APR* = Annual Percentage Rate
\nAPY*=Annual Percentage Yield.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

\"\"<\/p>\n

Rates are subject to change without notice.<\/p>\n

Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.<\/p>\n

Penalty imposed for early withdrawal on Share Certificates.<\/p>\n

Fees could reduce the earnings on savings accounts.<\/p>\n

NMLS ID# 422133 Rates effective January 1st, 2026. Rates and Terms are subject to change without notification. Fees could reduce the earnings on savings accounts. (*)as low as (**)APY\/APR = Annual Percentage Yield\/Annual Percentage Rate<\/p>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":58,"menu_order":15,"comment_status":"closed","ping_status":"closed","template":"page-right-sidebar.php","meta":{"footnotes":""},"class_list":["post-16","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.mlfcu.net\/index.php?rest_route=\/wp\/v2\/pages\/16","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mlfcu.net\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.mlfcu.net\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.mlfcu.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mlfcu.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16"}],"version-history":[{"count":0,"href":"https:\/\/www.mlfcu.net\/index.php?rest_route=\/wp\/v2\/pages\/16\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.mlfcu.net\/index.php?rest_route=\/wp\/v2\/pages\/58"}],"wp:attachment":[{"href":"https:\/\/www.mlfcu.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}