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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: 04/15/2021
*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 mos1.99%
37 - 63 mos2.69%
64 - 75 mos (valued at more than $15,000.00)2.99%
76 - 84 mos (valued at more than $30,000.00)3.99%
 
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 mos2.99%
37 - 63 mos3.29%
64 - 75 (valued at more than $15,000.00)3.69%
76 - 84 mos (valued at more than $30,000.00)4.69%
 
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 mos5.29%
64 - 75 mos5.99%
 
Used Auto (As low as): Over 7 years old
TermAPR*
63 mos or less (below 80,000 miles)5.79%
63 mos or less (above 80,000 miles)6.29%
 
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 mos4.19%
84 mos (valued at more than $20,000.00)4.39%
120 mos (valued at more than $25,000.00)4.99%
180 mos (valued at more than $50,000.00)5.24%
 
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 mos5.29%
84 mos (valued at more than $20,000.00)5.99%
120 mos (valued at more than $25,000.00)6.49%
144 mos (valued at more than $50,000.00)6.99%
 
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 mos7.29%
72 mos7.50%
96 mos7.79%
120 mos7.99%
 
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 mos3.99%
72 mos4.29%
84 mos4.49%
120 mos 5.19%
180 mos (valued at more than $50,000.00)5.79%
 
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 mos4.99%
72 mos5.79%
84 mos6.09%
120 mos 6.59%
 
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 mos7.49%
 
New Motorcycles (As low as):
Less than 25,000 miles
TermAPR*
48 mos4.99%
63 mos5.49%
72 mos (valued at more than $15,000.00)5.99%
84 mos (valued at more than $20,000.00)6.49%
 
Used Motorcycles (As low as):
25,000 - 99,999 miles
Maximum Amount: same as used auto
TermAPR*
48 mos5.49%
63 mos5.99%
72 mos6.99%
 
Used Motorcycles (As low as):
over 7 years old
up to 63 mos7.29%
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 mos4.79%
72 mos (valued at more than $15,000.00)4.99%
84 mos (valued at more than $20,000.00)5.29%
120 mos (valued at more than $25,000.00)5.79%
180 mos (valued at more than $30,000.00)6.29%
 
Used ATV and Travel Trailers (As low as):
Maximum Amount: up to 80% of NADA Low Retail Value
TermAPR*
60 mos4.99%
72 mos5.29%
84 mos5.99%
108 mos (valued at more than $20,000.00)6.29%
 
Used ATV and Travel Trailers (As low as):
over 7 years old
Maximum Amount: up to 70% of NADA Low Retail Value
TermAPR*
60 mos7.29%
72 mos7.50%
 
Tractors, Farm and Garden Equip (As low as):
Maximum Amount:up to 80% of value
TermAPR*
up to 60 mos5.99%
up to 72 mos6.99%
up to 84 mos7.49%