Rates
 

 

Members Source Credit Union offers competitive dividends on deposit accounts as well as competitive interest rates on loans!

Rates effective March, 2010.
Rates subject to change without notice.

Deposit Rates

 
Annual Percentage
Rate (APR)
Annual Percentage
Yield (APY)
Minimum
Deposit
Share Savings
0.20%
0.20%
$10.00
Kids Club
0.20%
0.20%
$10.00
Special/Vacation/Christmas
0.01%
0.01%
$0.00
Checking
0.01%
0.01%
$0.00
Money Market
0.25%
0.25%
$2,500.00
 
0.35%
0.35%
$5,000.00
IRA Savings
0.35%
0.35%
$0.00
       
Certificates of Deposit (Share and IRA)*
6 months
0.96%
0.96%
$1,000.00
12 months
1.31%
1.32%
$1,000.00
18 months
1.56%
1.57%
$1,000.00
24 months
1.86%
1.88%
$1,000.00
36 months
2.00%
2.02%
$1,000.00
*Certificate rates are subject to change without notice. Penalty for early withdrawal.
 
Loan Rates
Automobile/Boat/Motorcycle Loans
Rates
36 months
48 months
60 months
72 months
New - Never Titled
3.75%*
4.25%*
4.50%*
5.50%*
Used 2008 - 2010
4.50%*
4.50%*
4.50%*
N/A
Used 2007 & Older
7.00%*
7.25%*
N/A
N/A
*Rate may be higher depending on credit score.
 
Home Equity Loans
Fixed Rates
5 Yrs.
10 Yrs.
15 Yrs.
75% of Value - less 1st mortgage balance
5.50%**
6.50%**
7.50%**
 
Variable Rates*
Maximum Term: 20 Yrs.
75% of Value - less 1st mortgage balance
Base rate 6.00%*
*Rate subject to change quarterly with Prime Rate.
**Home Equity Loan rates may be higher depending on credit score.
 
VISA
 
FICO SCORE
Card Type 710+ 670-709 640-669 600-639** 550-599**
Classic 14.50%
$5,000.00
$5,000.00
$5,000.00
$2,500.00
$500.00
Gold 10.90%
$10,000.00
$10,000.00
N/A
N/A
N/A
Platinum 7.90%
$15,000.00
N/A
N/A
N/A
N/A
 
Signature Loans
Minimum Amount: $500.00
Maximum Amount: $15,000.00
Maximum Term: 60 Months
Annual Percentage Rate APR: 8% - 15%
Rate is dependent on credit score
 
Share Loans
50% Share Secured
Term
24 months
4.75%*
36 months
5.00%*
48 months
5.25%*
60 months
5.50%*

100% Share Secured
Term
 
24 months
3.75%*
36 months
4.00%*
48 months
4.25%*
60 months
4.50%*
*Rate may be higher depending on credit score.
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