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Rates

  • Savings Rates
    • Share Savings, Member’s Choice, Holiday & Vacation Club

      Rates Effective as of: 07-23-2019
      Minimum Balance (Range) to Earn Stated Dividend Dividend/Interest Rate APY
      $100 and over 0.03% 0.03%

      Rates shown are prospective rates for the current quarter

    • Checking Accounts

      Account Type Minimum Balance Dividend/Interest Rate APY
      Interest Checking $2,500 0.05% 0.05%
      Basic Checking N/A 0.00% 0.00%
      Opportunity Checking N/A 0.00% 0.00%
    • Savings Certificates

      Rates Effective as of: 07-23-2019
      Term Minimum Balance Dividend/Interest Rate APY
      6 Month $500 0.449% 0.45%
      6 Month $25,000 0.499% 0.50%

      Penalty for early withdrawal.

    • Savings Certificates and IRA Certificates Traditional-Roth-Educational

      Rates Effective as of: 07-23-2019
      Term Minimum Balance Dividend/Interest Rate APY
      CD Special 19 Month (renews to 18 month, regular CD at maturity)$500 1.887% 1.900%
      CD Special 28 Month (renews to 2 year, regular CD at maturity)$5002.771%2.800%
      1 Year $500 0.748% 0.75%
      1 Year $25,000 0.798% 0.80%
      1 Year SAVE To WIN $25, Add-ons allowed 0.698% 0.70%
      18 Month $500 0.897% 0.90%
      18 Month $25,000 0.947% 0.95%
      2 Year $500 1.195% 1.20%
      2 Year $25,000 1.244% 1.25%
      3 Year $500 1.343% 1.35%
      3 Year $25,000 1.393% 1.40%
      4 Year $500 1.590% 1.60%
      4 Year $25,000 1.640% 1.65%
      5 Year $500 1.837% 1.85%
      5 Year $25,000 1.887% 1.90%

      Penalty for early withdrawal
      All 1 to 7 year certificates available as both regular and IRA certificates; except Save-to-Win.
      IRA Certificates can be either Roth, Traditional or Education IRA

    • Money Market Plus Accounts

      Rates Effective as of: 07-23-2019
      Minimum Deposit Dividend/Interest Rate APY
      $1,000 - $2,499 0.05% 0.05%
      $2,500 - $9,999 0.10% 0.10%
      $10,000 - $24,999 0.15% 0.15%
      $25,000 - $49,999 0.20% 0.20%
      $50,000 - $74,999 0.20% 0.20%
      $75,000 – $99,999 0.20% 0.20%
      $100,000 & over 0.25% 0.25%
    • Money Market IRA

      Rates Effective as of: 07-23-2019
      Minimum Deposit Dividend/Interest Rate APY
      $1,000 - $4,999 0.05% 0.05%
      $5,000 - $24,999 0.15% 0.15%
      $25,000 and over 0.20% 0.20%
    • IRA Variable Rate Savings Traditional-Roth-Educational

      Rates Effective as of: 07-23-2019
      Minimum Deposit Dividend/Interest Rate APY
      $100 0.05% 0.05%

      Rates are the Annual Percentage Rate (APR) and Annual Percentage Yield (APY).

      Dividends on share savings, checking & club accounts are based upon available earnings and declared quarterly.

      Certificate rates are fixed for the entire term, but rates offered are subject to change.

      There is a penalty for early withdrawal of principal from certificate accounts.

      The interest rate on the Money Market Plus account is variable and subject to change.

  • Loan Rates
    • New & Used Cars, Trucks, and Vans

      Rates Effective as of: 07-23-2019
      Max Term Term Rate (APR)
      Up to 36 Months As low as 3.39%
      37 to 48 Months As low as 3.49%
      49 to 60 Months As low as 3.59%
      61 to 72 Months As low as 3.89%
      73 to 84 Months As low as 4.74%

      2010 or older vehicles add 2%

    • Home Equity Lines-of-Credit

      Rates Effective as of: 07-23-2019
      Other Info Max Term Term Rate (APR)
      Payment: 1.6% of Balance $50 Minimum LTV Up to 80% As low as 5.25%

      Home equity lines of credit are variable rate loans, indexed to the prime rate and adjustable quarterly. The maximum rate is 18.0% Annual Percentage Rate (APR).

    • Home Equity Closed End Loans

      Rates Effective as of: 07-23-2019
      Other Info Max TermTerm Rate (APR)
      LTV Up to 70% 12 to 72 Months As low as 4.75%
      LTV Up to 70% 73 to 120 Months As low as 5.00%
      LTV Up to 70% 121 to 180 Months As low as 5.25%
      LTV 71% to 80% 12 to 72 Months As low as 5.50%
      LTV 71% to 80% 73 to 120 Months As low as 5.75%
      LTV 71% to 80% 121 to 180 Months As low as 6.00%

      Interest Rate Fixed

    • First Mortgage Loans

      Rates Effective as of: 07-23-2019
      Other Info Max TermRates (APR)
      Down payments are required From 5 Years to 30 Years Fixed or Adjustable Rates For today’s rates, call 866-898-1818 or visit www.memberfirstmortgage.com
    • RV’s Boats, Motorcycles

      Rates Effective as of: 07-23-2019
      Term Term Rate (APR)
      Up to 60 Months As low as 4.29%
      61-84 Months As low as 4.99%
      85-120 Months As low as 5.74%
      121-180 Months As low as 6.99%
    • Personal Unsecured Closed End

      Rates Effective as of: 07-23-2019
      Max Term Term Rate (APR)
      12 Months As low as 8.00%
      13-24 Months As low as 8.75%
      25-36 Months As low as 9.75%
      37-48 Months As low as 10.75%
      49-60 Months As low as 11.75%
    • Line of Credit/Overdraft Protection

      Rates Effective as of: 07-23-2019
      Minimum Payment Term Rate (APR)
      3% of Balance, $30 Mininum 12.50%
    • Credit Cards

      Rates Effective as of: 07-23-2019
      Type Minimum Payment Term Rate (APR) Intro Rate (APR)
      REWARDS VISA3% of Balance, $20 Minimum 9.50% 3.99% for 6 months
      PREMIER VISA3% of Balance, $20 Minimum 13.80% 5.99% for 6 months

      The rate on all Visa credit cards may increase to 15.0% APR if the minimum payment due is not paid for two consecutive months.