Memorial Credit Union

LOAN RATES SAVINGS RATES Share Certificate CREDIT CARD RATES FEES

Effective as of: 09/20/2
*APR: Annual Percentage Rate.
Loan Rates
Signature (As low as):
Maximum Amount $6,000.00 above the amount of shares pledged on the loan
 
TermAPR*
Up to 48 Mos8.99%
Up to 60 Mos10.99%
($4,000.00 min $6,000.00 max)
Maximum Amount: Included in signature loan limit
90 Day Note
 
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 24 mos3.50%
Up to 60 mos3.60%
Up to 72 mos3.99%
Up to 120 mos4.99%
 
Share Certificate Secured
Maximum Amount:up to present amount of share certificate
 
TermAPR*
Same as Share Secured2.00% above dividend rate
minimum being same as Share Secured rates
 
Christmas/Holiday Loan ****
Maximum Amount: $5,000.00
TermAPR*
12 months9.99%
 
New Autos (As low as):
Maximum Amount:up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
 
TermAPR*
up to 36 mos6.00%
37 - 63 mos6.25%
64 - 75 mos (valued at more than $15,000.00)6.45%
76 - 84 mos (valued at more than $30,000.00)7.85%
 
Used Autos (As low as):
25,000 - 99,999 miles
Maximum Amount:up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
 
TermAPR*
up to 48 mos6.85%
37 - 63 mos7.15%
64 - 75 (valued at more than $15,000.00)7.35%
76 - 84 mos (valued at more than $30,000.00)8.30%
 
Used Autos (As low as):
100,000 miles
Maximum Amount:up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
TermAPR*
up to 63 mos9.25%
64 - 75 mos9.45%
 
Used Auto (As low as): Over 7 years old
 
TermAPR*
63 mos or less (below 80,000 miles)8.50%
63 mos or less (above 80,000 miles)10.50%
 
Used Auto
(bringing from another financial institution)
 
New Boats and Water Craft (As low as):
Maximum Amount: up to 100% of MSRP plus tax, tag, license, and UCC1
 
TermAPR*
72 mos6.50%
84 mos (valued at more than $20,000.00)6.80%
120 mos (valued at more than $25,000.00)7.00%
180 mos (valued at more than $50,000.00)7.50%
 
Used Boats and Water Craft Under 7 yrs old (As low as):
Maximum Amount: up to 100% of NADA retail value plus tax, tag, license, and UCC1
 
TermAPR*
72 mos8.50%
84 mos (valued at more than $20,000.00)8.75%
120 mos (valued at more than $25,000.00)9.5%
144 mos (valued at more than $50,000.00)9.75%
 
Used Boats and Water Craft Over 7 yrs old (As low as):
Maximum Amount: up to 80% of NADA retail value plus tax, tag, license, and UCC1
 
TermAPR*
48 mos9.29%
72 mos9.50%
96 mos9.79%
120 mos9.99%
 
New Motor Homes (As low as):
Less than 25,000 miles
Maximum Amount: up to 100% of MSRP or NADA retail plus tax, tag, doc fees, warranty, and GAP
 
TermAPR*
63 mos7.50%
72 mos7.50%
84 mos7.75%
120 mos 8.00%
180 mos (valued at more than $50,000.00)8.75%
 
Used Motor Homes (As low as):
25,000 - 99,999 miles
Maximum Amount:up to 80% of NADA trade-in value, including tax, tag, doc fees, warranty, and GAP
 
TermAPR*
60 mos9.00%
72 mos9.25%
84 mos9.75%
120 mos 10.00%
 
Used Motor Home (As low as): Over 7 years old
Over 100,000 miles
Maximum Amount:up to 70% of NADA trade-in value, including tax, tag, doc fees, warranty, and GAP
 
TermAPR*
up to 84 mos10.50%
 
New Motorcycles (As low as):
Less than 25,000 miles
TermAPR*
48 mos7.75%
63 mos8.25%
72 mos (valued at more than $15,000.00)8.75%
84 mos (valued at more than $20,000.00)9.25%
 
Used Motorcycles (As low as):
25,000 - 99,999 miles
Maximum Amount: same as used auto
 
TermAPR*
48 mos8.49%
63 mos8.99%
72 mos9.49%
 
Used Motorcycles (As low as):
over 7 years old
up to 63 mos9.75%
80% of NADA retail (below 80,000 miles)
 
New ATV (As low as):
Maximum Amount:up to 100% of invoice including tax, tag, & doc fees
 
TermAPR*
60 mos7.50%
72 mos (valued at more than $15,000.00)7.75%
84 mos (valued at more than $20,000.00)8.00%
120 mos (valued at more than $25,000.00)8.25%
180 mos (valued at more than $30,000.00)8.50%
 
Used ATV and Travel Trailers (As low as):
Maximum Amount: up to 80% of NADA Low Retail Value
 
TermAPR*
60 mos7.99%
72 mos7.25%
84 mos8.99%
108 mos (valued at more than $20,000.00)9.25%
 
Used ATV and Travel Trailers (As low as):
over 7 years old
Maximum Amount: up to 70% of NADA Low Retail Value
 
TermAPR*
60 mos10.25%
72 mos10.50%
 
Tractors, Farm and Garden Equip (As low as):
Maximum Amount:up to 80% of value
 
TermAPR*
up to 60 mos8.99%
up to 72 mos9.99%
up to 84 mos10.49%

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