Regular and IRA Certificates ³, ⁴

Other Loan Types available. Please call for information.

 

¹ All rates quoted by Annual Percentage Rate (APR). Rates quoted are lowest preferred rates based on a 720 or greater FICO Credit Score. Other rates available based on credit worthiness. Automatic payments required. Rates are subject to change at any time.

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² Sample payment based on stated rate.

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³ AUTO LOANS: requires insurance coverage from a California admitted carrier; Comprehensive and Collision with $1,000 deductible. New autos up to 120% of invoice. The definition of a "New" auto is a current model year or prior model year with less than 10,000 miles. Used autos up to 100% of Retail Blue Book value. We may finance out of state vehicles, franchise dealerships only. We do not finance vehicles with mileage over 100,000 miles. Car loan rates quoted include automatic payment discount of .50% and Platinum Membership discount of .50% for 1% total. Additional restrictions may apply.

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⁴ Variable rate based on one-year T-Bill 3.97% APR plus 8.75% margin

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⁵ The MCCU Home Equity Line of Credit (HELOC) is an adjustable rate loan based on current Prime Rate as published in the Money Rates table of the Wall Street Journal (the Index) plus your Margin. The introductory discounted annual percentage rate (APR) is fixed for the first 6 months (180 days) after which the rate converts to the then current Prime Rate as published in the Money Rates table of the Wall Street Journal (the Index) plus your Margin and is then variable and subject to change.  The current variable rate starts at 7.99% APR and is accurate as of 05/01/2025, subject to change anytime. The quoted rates are based on 720 or higher FICO Credit Score. The annual percentage rate cannot increase by more than six percentage points (6%) above the initial rate and cannot decrease by more than one half of one percentage point (.50) below the initial rate.  The HELOC term is 25 years (10-year draw period). After the draw period ends, the outstanding balance must be paid over a 15-year repayment period. Minimum credit limit is $30,000. Property Insurance and a lien are required on the subject property. Fees range from $1,000 to $2,500, based on amount borrowed. Fees are waived with minimum $30,000 draw and if HELOC remains open for a minimum of 36 months, otherwise it will be required to pay fees at time of loan payoff. Consult your tax advisor regarding deductibility of interest. Rates, terms, and fees are subject to change without notice. MCCU membership required.

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⁶ Rate reflects a .50% discount for Automatic Payment.

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⁷ APR=Annual Percentage Rate. Rates subject to change at any time. Must meet credit and income criteria. Rate quoted is the preferred rate with a minimum 720 FICO. Subject to credit approval and membership eligibility. Rate buydown fee may apply. Other rates and terms available. UCC1 lien will be recorded on property.

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Energy Loans: Loans must meet GoGreen Home Energy Financing Program criteria.