At Memorial Credit Union, we offer competitive rates and fees on our savings and loan products. Click on the desired link below for more detailed information. 
Please do not hesitate to contact the Credit Union should you have any questions or concerns regarding our rates and/or fees.


LOAN RATES SAVINGS RATES TERM SHARE / CD CREDIT CARD RATES FEES

Effective as of: 05/25/2017
*APR: Annual Percentage Rate.
Loan Rates
Signature
Maximum Amount $6,000.00 above the amount of shares pledged on the loan
TermAPR*
up to 48 mos9.99%
49 - 60 mos14.99%
($4,000.00 min $6,000.00 max)
 
90 Day Note
Maximum Amount: Included in signature loan limit
TermAPR*
due in full in 90 days10.00%
 
Share Secured
Maximum Amount:up to the amount of shares pledged on the loan
Term APR*
up to 30 mos3.75%
31 - 60 mos4.00%
61 - 180 mos4.25%
 
Share Certificate Secured
Maximum Amount:up to present amount of share certificate
TermAPR*
60 months2.00% above dividend;
minimum being same as Share Secured rates
 
Christmas/Holiday Loan ****
Maximum Amount: $5,000.00
TermAPR*
12 months7.99%
 
New & Current Year Auto
Less than 25,000 miles
Maximum Amount:up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
TermAPR*
up to 36 mos2.19%
37 - 54 mos2.39%
55 - 63 mos2.49%
64 - 75 mos (valued at more than $12,500.00)3.59%
76 - 84 mos (valued at more than $20,000.00)4.99%
 
Used Autos
25,000 - 99,999 miles
Maximum Amount:up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
TermAPR*
54 mos or less2.99%
55 - 63 mos3.49%
64 - 75 mos4.99%
 
Used Autos
100,000 miles & greater
Maximum Amount:up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
TermAPR*
54 mos or less5.79%
55 - 63 mos6.29%
64 - 75 mos (valued at more than $12,500.00)6.99%
 
Used Auto - Over 7 years old
60 mos or less (below 80,000 miles)6.99%
60 mos or less (above 80,000 miles)7.99%
 
Used Auto
(bringing from another financial institution)
 
New Boats & Water Craft
Maximum Amount: up to 100% of MSRP plus tax, tag, license, and UCC1
TermAPR*
same as new autosadd 3.50% to new auto rates
 
Used Boats & Water Craft
Maximum Amount: up to 100% of NADA trade in value plus tax, tag, license, and UCC1
TermAPR*
same as used autos add 4.50% to used autos rates of under 100,000 miles
 
80% of retail value if over 7 years old
 
New Motor Homes
Less than 25,000 miles
Maximum Amount: up to 100% of MSRP or NADA retail plus tax, tag, doc fees, warranty, and GAP
TermAPR*
36 mos4.59%
60 mos5.29%
72 mos5.99%
84 mos6.99%
120 mos8.59%
 
85 - 120 mos must be $50,000.00 or more
 
Used Motor Homes
25,000 - 99,999 miles
Maximum Amount:up to 80% of NADA retail including tax, tag, doc fees, warranty, and GAP
TermAPR*
36 mos5.59%
60 mos6.29%
72 mos6.59%
84 mos8.99%
 
70% of NADA trade-in value
 
New Motorcycles
Less than 25,000 miles
Maximum Amount:same as new auto
TermAPR*
same as new auto add 3.50% to new auto auto rates
 
Used Motorcycles
25,000 - 99,999 miles
Maximum Amount: same as used auto
TermAPR*
same as used autoadd 4.50% to used auto rates
 
Used Motorcycles Over 7 Years Old
80% od NADA retail (below 80,000 miles)
70% of NADA retail (above 80,000 miles)
 
New ATV & Travel Trailers
Maximum Amount:up to 100% of invoice including tax, tag, & doc fees
TermAPR*
same as new autoadd 4.00% to new auto rates
 
Used ATV & Travel Trailers
under 50,000 miles
Maximum Amount:up to 80% of NADA retail including tax, tag,
TermAPR*
same as used autoadd 5.00% to used auto rates
Used ATV
70% of NADA Low Retail Valueadd %.00% to used auto rates
 
Tractors and Farm
Maximum Amount:up to 100% of purchase price
TermAPR*
up to 60 mos7.75%