Auto Loans   Rates effective January 9, 2008 Loan rates are based on credit history, term, and loan-to-value. Annual Percentage Rate (APR) may change without notice. | Account Type | Model Year | Term | Fixed APR | Max. APR | | | New Auto | 2007-2009 | up to 36 Mos. | As low as 4.75%* | 8.95% | | | 2007-2009 | 37-48 Mos. | As low as 4.75%* | 8.95% | | | 2007-2009 | 49-60 Mos. | As low as 4.75%* | 8.95% | | | Used Auto | 2001-2006 | up to 36 Mos. | As low as 5.25%* | 9.85% | | | 2001-2006 | 37-48 Mos. | As low as 5.25%* | 9.85% | | | 2001-2006 | 49-60 Mos. | As low as 5.25%* | 9.85% | | | 1998-2000 | up to 36 Mos. | As low as 6.60%* | 11.25% | | | 1998-2000 | 37-48 Mos. | As low as 6.60%* | 11.25% | | | 1998-2000 | 49-60 Mos. | As low as 6.60%* | 11.25% |
* Includes 1/4% rate discount for automatic loan payment option. Additional discounts may apply, including up to an additional 1/4% discount when purchasing your vehicle through our Credit Union Auto Buying Service (CUABS). Rate not to fall below 3.25% APR.
Return to topRV & Boat Loans Rates effective January 9, 2008 Loan rates are based on credit history, profile, and loan terms. Annual Percentage Rate (APR) may change without notice. Boat loans include motor, trailer & accessories. RV loans include motorcycles. | Account Type | Term | Fixed APR | Max. APR | | | New/Used RV | up to 60 Mos. | As low as 5.50%* | 7.70%* | | | 61-72 Mos. | As low as 6.75%* | 9.00%* | | | 73-84 Mos. | As low as 7.15%* | 8.15%* | | | greater than 84 Mos. | As low as 7.75%* | 8.75%* | | | New/Used Boat | up to 60 Mos. | As low as 6.00%* | 8.20%* | | | 61-72 Mos. | As low as 6.25%* | 8.50%* | | | 73-84 Mos. | As low as 6.70%* | 7.50%* | | | greater than 84 Mos. | As low as 7.50%* | 8.50%* |
* Includes 1/4% rate discount for automatic loan payment option.
Return to topCredit Cards & Lines of Credit Rates effective January 30, 2008 | Account Type | Fixed APR | Comments | | | VISA Platinum | 9.90% | $5,000 min. credit limit - fixed rate | | | VISA Credit Card | 10.15%* | variable rate (prime+4.9%) | | | 14.90% | fixed rate | | | Business VISA Credit Card | 9.4%* | variable rate (prime +2.9%) | | | Preferred Line of Credit / Overdraft Protection | 6.50% | $15,000 or higher limit (variable) (prime + 1%) | | | 7.25%-13.25% | under $15,000 limit (variable)
(based on | | | Stock-Secured Line of Credit | 5.50% | variable rate (prime + .25%) | | | Savings-Secured Line of Credit | 4.59% | variable rate (highest tiered rate on the regul |
* VISA variable rate adjusted quarterly based on the Wall Street Journal prime posted on the proceeding 25th of the month.
Return to topHome Equity Lines of Credit & Loans Rates effective February 1, 2008 | Account Type | Amount | APR | | | Up to 85% Variable | $10,000-$350,000 | *Starting from prime minus 0.25% | | | Up to 85% Fixed** | $10,000-$350,000 | *Starting from 5.50% | | | 86%-95% Variable | $5,000-$100,000 | *Starting from prime + 1.5% | | | 86%-100% Fixed | $5,000-$100,000 | *Starting from 8.25% | | | Up to 85% Fixed* | $25,000-$350,000 | *5.25% |
* Rates are based on your credit history and profile. The rate on home equity lines of credit tied to prime are adjusted the 1st day of the following month in which the prime rate change occurs and subject to maximum and minimum Annual Percentage Rates described in your loan documents. Consult your tax advisor on the deductability of interest on home equity loans. Home equity products available in NC, SC, TN, VA, FL & OH only.
**Rate varies based on term.
Return to topMortgage Loans Rates effective January 9, 2008 Rates subject to change daily. For purchases and refinances. For the most current rates, products, and closing costs, click here or call 800-822-0382, ext. 6398.
Return to topMoney Market Accounts Rates effective January 30, 2008 | Account Type | Annual Percentage Yield | Dividend | Min. Balance | | | Premier Money Market | 0.75% | 0.75% | $1,000.00 | | | 1.25% | 1.24% | $10,000.00 | | | 1.65% | 1.64% | $25,000.00 | | | 1.80% | 1.78% | $100,000.00 | | | Performance Plus Money Market* | .20% | .20% | $0.00 | | | 1.45% | 1.44% | $2,500.00 | | | 1.70% | 1.69% | $10,000.00 | | | 2.15% | 2.13% | $25,000.00 | | | 2.35% | 2.32% | $100,000.00 | | | Performance Plus IRA Money Market* | .20% | .20% | $0.00 | | | 1.45% | 1.44% | $2,500.00 | | | 1.70% | 1.69% | $10,000.00 | | | 2.15% | 2.13% | $25,000.00 | | | 2.35% | 2.32% | $100,000.00 | | | Select Money Market*** | .20% | .20% | $0.00 | | | 2.00% | 1.98% | $5,000.00 | | | 2.50% | 2.47% | $25,000.00 | | | 2.75% | 2.71% | $100,000.00 | | | Select IRA Money Market*** | .20% | .20% | $0.00 | | | 2.00% | 1.98% | $5,000.00 | | | 2.50% | 2.47% | $25,000.00 | | | 2.75% | 2.71% | $100,000.00 | | | Investor's Money Market** | 0.20% | 0.20% | $0.00 | | | 2.05% | 2.03% | $10,000.00 | | | 2.20% | 2.18% | $25,000.00 | | | 2.50% | 2.47% | $50,000.00 | | | 2.80% | 2.76% | $100,000.00 |
* Monthly fee of $20 if balance falls below minimum balance requirement of $2,500
** This account is exclusively available to members who open and maintain a relationship with MEMBERS Financial Service
*** Monthly fee of $25 if balance falls below minimum balance requirment of $5,000. Source of $5,000 must come from non-Truliant account.
Return to topRegular & IRA Certificates Rates effective January 30, 2008 | Account Type | Annual Percentage Yield | Dividend | Min. Balance | | | 3 month term* | 2.50% | 2.47% | $250.00 | | | 2.65% | 2.62% | $10,000.00 | | | 2.65% | 2.62% | $25,000.00 | | | 2.70% | 2.67% | $50,000.00 | | | 2.70% | 2.67% | $75,000.00 | | | 6 month term** | 2.85% | 2.81% | $250.00 | | | 3.00% | 2.96% | $10,000.00 | | | 3.00% | 2.96% | $25,000.00 | | | 3.10% | 3.05% | $50,000.00 | | | 3.10% | 3.05% | $75,000.00 | | | 3.15% | 3.10% | $100,000.00 | | | 12 month term** | 2.95% | 2.91% | $250.00 | | | 3.10% | 3.05% | $10,000.00 | | | 3.10% | 3.05% | $25,000.00 | | | 3.20% | 3.15% | $50,000.00 | | | 3.20% | 3.15% | $75,000.00 | | | 3.25% | 3.20% | $100,000.00 | | | 14 month term*** | 2.70% | 2.66% | $250.00 | | | 2.85% | 2.81% | $10,000.00 | | | 2.85% | 2.81% | $25,000.00 | | | 2.95% | 2.91% | $50,000.00 | | | 2.95% | 2.91% | $75,000.00 | | | 3.00% | 2.96% | $100,000.00 | | | 18 month term | 2.95% | 2.91% | $250.00 | | | 3.10% | 3.05% | $10,000.00 | | | 3.10% | 3.05% | $25,000.00 | | | 3.20% | 3.15% | $50,000.00 | | | 3.20% | 3.15% | $75,000.00 | | | 3.25% | 3.20% | $100,000.00 | | | 24 month term | 3.10% | 3.05% | $250.00 | | | 3.25% | 3.20% | $10,000.00 | | | 3.25% | 3.20% | $25,000.00 | | | 3.35% | 3.30% | $50,000.00 | | | 3.35% | 3.30% | $75,000.00 | | | 3.40% | 3.34% | $100,000.00 | | | 24 month Flex**** | 3.10% | 3.05% | $250.00 | | | 3.25% | 3.20% | $10,000.00 | | | 3.25% | 3.20% | $25,000.00 | | | 3.35% | 3.30% | $50,000.00 | | | 3.35% | 3.30% | $75,000.00 | | | 3.40% | 3.34% | $100,000.00 | | | 30 month term# | 3.05% | 3.00% | $250.00 | | | 3.20% | 3.15% | $10,000.00 | | | 3.20% | 3.15% | $25,000.00 | | | 3.30% | 3.25% | $50,000.00 | | | 3.30% | 3.25% | $75,000.00 | | | 3.35% | 3.30% | $100,000.00 | | | 36 month term | 3.30% | 3.25% | $250.00 | | | 3.45% | 3.39% | $10,000.00 | | | 3.45% | 3.39% | $25,000.00 | | | 3.55% | 3.49% | $50,000.00 | | | 3.55% | 3.49% | $75,000.00 | | | 3.60% | 3.54% | $100,000.00 | | | 11 month term***** | 3.50% | 3.44% | $1,000.00 | | | 8 month term******* | 3.25% | 3.20% | $800.00 | | | School Saver****** | 3.30% | 3.25% | $250.00 | | | 3.45% | 3.39% | $10,000.00 | | | 3.45% | 3.39% | $25,000.00 | | | 3.55% | 3.49% | $50,000.00 | | | 3.55% | 3.49% | $75,000.00 | | | 3.60% | 3.54% | $100,000.00 | | | Home Buyer****** | 3.30% | 3.25% | $250.00 | | | 3.45% | 3.39% | $10,000.00 | | | 3.45% | 3.39% | $25,000.00 | | | 3.55% | 3.49% | $50,000.00 | | | 3.55% | 3.49% | $75,000.00 | | | 3.60% | 3.54% | $100,000.00 | | | Dollar Dog | 3.10% | 3.05% | $100.00 | | | 3.25% | 3.20% | $10,000.00 | | | 3.25% | 3.20% | $25,000.00 | | | 3.35% | 3.30% | $50,000.00 | | | 3.35% | 3.30% | $75,000.00 | | | 3.40% | 3.34% | $100,000.00 |
A penalty will or may be imposed for early withdrawal. Ask about our special certificate rates.
* Not available for IRA Certificates.
** Accounts may have dividends paid at maturity or monthly at the member's option.
*** Allows members a one-time early withdrawal, for part or all of the principle, without penalty (must be after the first sixty days).
**** Allows members a one-time rate increase (up to 1%) should rates rise and the flexibility to add funds to their certificate at any time (additional funds not to exceed original amount).
***** Special 11 month certificate offers cannot be combined with any other offers. $1000 in new money.
****** Home Buyers' certificate must provide documentation of the real estate transaction at the time of the withdrawal. School saver certificate must provide proof of enrollment at the time of a withdrawal and account balance may not exceed $100,000. Withdrawals must be seven days after opening. Penalty for more than 4 withdrawals. Minimum $25 per month automatic transfer to certificate from checking or savings.
# 30 month certificate offers early withdrawl opportunities: May withdraw up to 50% of the balance after 10 months with no penalty. May withdraw up to 100% of the balance after 20 months with no penalty.
******* Special 8 certificate offers cannot be combined with any other offers. $800 in new money.
Return to topChecking & Savings Accounts Rates effective January 9, 2008 | Account Type | Annual Percentage Yield | Dividend | Min. Balance | | | Basic Checking | 0.20% | 0.20% | $0.00 | | | Advantage Checking | 0.40% | 0.40% | $2,500.00 | | | Senior Advantage Checking | 0.40% | 0.40% | $0.00 | | | Regular Savings | 0.50% | 0.50% | $5.00 | | | 0.70% | 0.70% | $1,000.00 | | | .90% | .90% | $10,000.00 | | | 1.40% | 1.39% | $25,000.00 | | | 1.60% | 1.59% | $100,000.00 | | | Vacation Club | 0.50% | 0.50% | $0.25 | | | Christmas Club | 0.50% | 0.50% | $0.25 | | | IRA Savings | 0.50% | 0.50% | $0.00 | | | 0.70% | 0.70% | $1,000.00 | | | .90% | .90% | $10,000.00 | | | 1.40% | 1.39% | $25,000.00 | | | 1.60% | 1.59% | $100,000.00 |
Return to topBusiness Checking & Savings Accounts Rates effective February 1, 2008 | Account Type | Annual Percentage Yield | Dividend | Min. Balance | | | Basic Business Checking | 0.20% | 0.20% | $0.00 | | | Business Checking | 0.20% | 0.20% | $0.00 | | | .80% | .80% | $25,000.00 | | | 1.50% | 1.49% | $100,000.00 | | | Business Savings | 0.50% | 0.50% | $5.00 | | | 0.70% | 0.70% | $1,000 | | | .90% | .90% | $10,000.00 | | | 1.40% | 1.39% | $25,000.00 | | | 1.60% | 1.59% | $100,000.00 |
Return to topBusiness Money Market & Certificates Rates effective January 30, 2008 Money Market rates are subject to change weekly.
All Certificate rates are fixed and will be paid until maturity. | Account Type | Annual Percentage Yield | Dividend | Min. Balance | | | 3 month term | 2.50% | 2.47% | $250.00 | | | 2.65% | 2.62% | $10,000.00 | | | 2.65% | 2.62% | $25,000.00 | | | 2.70% | 2.67% | $50,000.00 | | | 2.70% | 2.67% | $75,000.00 | | | 6 month term** | 2.85% | 2.81% | $250.00 | | | 3.00% | 2.96% | $10,000.00 | | | 3.00% | 2.96% | $25,000.00 | | | 3.10% | 3.05% | $50,000.00 | | | 3.10% | 3.05% | $75,000.00 | | | 3.15% | 3.10% | $100,000.00 | | | 12 month term** | 2.95% | 2.91% | $250.00 | | | 3.10% | 3.05% | $10,000.00 | | | 3.10% | 3.05% | $25,000.00 | | | 3.20% | 3.15% | $50,000.00 | | | 3.20% | 3.15% | $75,000.00 | | | 3.25% | 3.20% | $100,000.00 | | | 18 month term | 2.95% | 2.91% | $250.00 | | | 3.10% | 3.05% | $10,000.00 | | | 3.10% | 3.05% | $25,000.00 | | | 3.20% | 3.15% | $50,000.00 | | | 3.20% | 3.15% | $75,000.00 | | | 3.25% | 3.20% | $100,000.00 | | | 24 month term | 3.10% | 3.05% | $250.00 | | | 3.25% | 3.20% | $10,000.00 | | | 3.25% | 3.20% | $25,000.00 | | | 3.35% | 3.30% | $50,000.00 | | | 3.35% | 3.30% | $75,000.00 | | | 3.40% | 3.34% | $100,000.00 | | | 36 month term | 3.30% | 3.25% | $250.00 | | | 3.45% | 3.39% | $10,000.00 | | | 3.45% | 3.39% | $25,000.00 | | | 3.55% | 3.49% | $50,000.00 | | | 3.60% | 3.54% | $75,000.00 | | | 3.65% | 3.59% | $100,000.00 | | | Business Money Market | 1.70% | 1.69% | $2,500.00 | | | 2.40% | 2.37% | $25,000.00 | | | 2.75% | 2.71% | $100,000.00 | | | 2.85% | 2.81% | $250,000.00 | | | 2.90% | 2.86% | $500,000.00 | | | 2.95% | 2.91% | $1,000,000.00 |
A penalty will or may be imposed for early withdrawal from a cerfificate.
** Regular Certificates may have dividends paid at maturity or monthly at the member's option.
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