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
| *APR: Annual Percentage Rate. | |
| Loan Rates | |
| Signature | |
| Maximum Amount $6,000.00 above the amount of shares pledged on the loan | |
| Term | APR* |
| Up to 24 Mos | 8.99% |
| Up to 36 Mos | 9.99% |
| Up to 48 Mos | 10.99% |
| Up to 60 Mos | 11.99% |
| ($4,000.00 min $6,000.00 max) | |
| Maximum Amount: Included in signature loan limit | |
| 90 Day Note | |
| Term | APR* |
| due in full in 90 days | 10.00% |
| Share Secured | |
| Maximum Amount:up to the amount of shares pledged on the loan | |
| Term | APR* |
| Up to 24 mos | 3.50% |
| Up to 60 mos | 3.60% |
| Up to 72 mos | 3.99% |
| Up to 120 mos | 4.99% |
| Share Certificate Secured | |
| Maximum Amount:up to present amount of share certificate | |
| Term | APR* |
| 60 months | 2.00% above dividend; minimum being same as Share Secured rates |
| Christmas/Holiday Loan **** | |
| Maximum Amount: $5,000.00 | |
| Term | APR* |
| 12 months | 9.99% |
| New | |
| Maximum Amount:up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP | |
| Term | APR* |
| up to 36 mos | 1.99% |
| 37 - 54 mos | 1.999% |
| 55 - 63 mos | 1.99% |
| 64 - 75 mos (valued at more than $15,000.00) | 1.99% |
| 76 - 84 mos (valued at more than $25,000.00) | 5.99% |
| Used Autos 25,000 - 99,999 miles | |
| Maximum Amount:up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP | |
| Term | APR* |
| 36 mos or less | 3.99% |
| 37 - 54 mos | 4.09% |
| 55 - 75 mos | 4.79% |
| 84 mos* | 6.99% |
| * less than 50k miles and value of more than $30,000 | |
| Used Autos 100,000 miles & greater | |
| Maximum Amount:up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP | |
| Term | APR* |
| 54 mos or less | 5.79% |
| 55 - 63 mos | 6.29% |
| 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 | |
| Term | APR* |
| same as new autos | add 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 | |
| Term | APR* |
| 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 | |
| Term | APR* |
| 36 mos | 4.59% |
| 60 mos | 5.29% |
| 72 mos | 5.99% |
| 84 mos | 6.99% |
| 120 mos | 8.59% |
| 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 | |
| Term | APR* |
| 36 mos | 5.59% |
| 60 mos | 6.29% |
| 72 mos | 6.59% |
| 84 mos | 8.99% |
| 70% of NADA trade-in value | |
| New Motorcycles Less than 25,000 miles | |
| Maximum Amount:same as new auto | |
| Term | APR* |
| 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 | |
| Term | APR* |
| same as used auto | add 4.50% to used auto rates |
| Used Motorcycles over 7 years old | |
| 80% of NADA retail (below 80,000 miles) | |
| 70% of NADA retail (above 80,000 miles) | |
| New ATV | |
| Maximum Amount:up to 100% of invoice including tax, tag, & doc fees | |
| Term | APR* |
| same as new auto | add 4.00% to new auto rates |
| Used ATV and Travel Trailers under 50,000 miles | |
| Maximum Amount: up to 80% of NADA retail including tax, tag, | |
| Term | APR* |
| same as used auto | add 5.00% to used auto rates |
| Used ATV and Travel Trailers over 7 years old | |
| Maximum Amount: up to 70% of NADA Low Retail Value | |
| Term | APR* |
| same as used auto | add 5.00% to used auto rates |
| Tractors and Farm | |
| Maximum Amount:up to 100% of purchase price | |
| Term | APR* |
| up to 60 mos | 7.75% |
