Montgomery County Credit Union Inc.
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Loan Rates
Rates effective as of March 31, 2010


Loan Rate Index

Auto

Recreational

Signature

Home Equity

Second Mortgage

Share Secured / Certificates

Mastercard

1st Mortgage

Share Rate Index

Share Rates

Certificate Rates

 

 

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HOME EQUITY

RATE

TERM

80% L.T.V.

(6% floor)

Prime +1%

call credit union

open end

90% L.T.V.

(7% floor)

call credit union for details

call credit union

open end

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SECOND MORTGAGE

RATE

TERM

80% L.T.V.           closing costs $180.00

6.75%

84 months

80% L.T.V.           as low as

6.75%

120 months

90% L.T.V.           call credit union for details

6.75%

120 months

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SHARE SECURED / CERTIFICATES

RATE

TERM

Share Secured (regular share account)

5.00%

varies

Certificate (adjusts at CD maturity)

earning rate + 3.00%

varies

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MASTERCARD

 

RATE

Mastercard Classic

$5,000 maximum credit line

13.95%

Mastercard Gold Card

$15,000 maximum credit line

11.75%

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1st MORTGAGE

Call for Information

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SHARE RATES

Type

Plan Name

Compound Frequency

Calculation Method

Dividend Rate

Minimum Balance

APY

Share Draft

Checking Account

Quarterly

Day In/Day Out

.250

$0.00

.250

Share Draft

Money Market Checking Account

Monthly

Day In/Day Out

.90

$2000.00

.90

IRA

IRA

Monthly

Day In/Day Out

1.25

$0.00

1.26

Secondary

Money Market Savings Account

Monthly

Day In/Day Out

.90

$2000.00

.90

Secondary

Family Savings Account

Quarterly

Day In/Day Out

.35

$0.00

.35

Secondary

Vacation Savings Account

Quarterly

Day In/Day Out

.35

$0.00

.35

Primary

Share Savings Account

Quarterly

Day In/Day Out

.35

$5.00

.35

Club

Christmas Savings Account

Annually

Day In/Day Out

.35

$0.00

.35


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CERTIFICATE RATES

Type

Plan Name

Compound Frequency

Calculation Method

Dividend Rate

Minimum Balance

APY

 

Certificate

6 Month CD

Monthly

Day In/Day Out

.650

$1,000

.650

Certificate

30 Month CD

Monthly

Day In/Day Out

1.80

$500

1.81

Certificate            12 Month CD    Monthly   Day In/Day Out   1.00   $1,000    1.00

 

CARS, TRUCKS, VANS, SUV's  

RATE

TERM

New 2008 or 2009

as low as

**4.49%

72 months

   

as low as

**5.25%

84 months

**Down payment of 25% or more receives .25% rate reduction.
Used 2008-2009             as low as

5.50%

72 months

  2006-2007             as low as

6.00%

60 months

  2003-2005             as low as

7.25%

48 months

  2002 and older             as low as

10.00%

48 months

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RECREATIONAL VEHICLES

RATE

TERM

New Motorcycles                                as low as

6.00%

72 months

Used Motorcycles                              as low as

7.00%

60 months

New Boats                                          as low as

6.50%

120 months

Used Boats                                         as low as

7.00%

72 months

New RV's (campers, motor homes, etc)         as low as

6.50%

120 months

Used RV's                                                             as low as

7.50%

84 months

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SIGNATURE LOANS

RATE

TERM

Up to $15,000 when combined with other Credit Union unsecured credit                             as low as

10.00%

72 months

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