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| Type | Term | As Low As | Base | As High As |
|---|---|---|---|---|
| New Auto (2022-2021) | 36 - 72 Months | 4.75% | 5.75% | 15.75% |
| - | 84 Months | 5.75% | 6.75% | 16.75% |
| 2021/2020 (1 Year) | 60 Months | 5.25% | 6.25% | 16.25% |
| 2019 | 54 Months | 5.25% | 6.25% | 16.25% |
| 2018 - 2017 | 48 Months | 5.50% | 6.50% | 16.50% |
| 2016 & Older | 48 Months | 6.50% | 7.50% | 17.50% |
| Miscellaneous Loans (36 Months, except shares 60 Months or 1 Year Note) | |||
|---|---|---|---|
| As Low As | Base | As High As | |
| Personal Loan | 8.75% | 9.75% | 18.00% |
| Co-Signer (Personal Loan) | 14.00% | 15.00% | 18.00% |
| Share Secured | 3.10% | ||
| Secured | 12.00% | ||
| MasterCard | 13.00% | ||
| Try-Me(Personal Loan) | 14.50% | 18.00% | |
| Paycheck Loan | 15.00% | ||
| Mortgage and Home Improvement Loans | ||
|---|---|---|
| Mortgage/Home Improvement - We do not charge points or origination fees. These rates apply if MSU Credit Union currently holds the note or there is no lien on the home. | ||
| 01-15 Years | 4.50% | |
| 16 - 30 Years | 5.00% | |
| Home Improvement - These rates apply if the home is financed with another institution. | ||
| 01-08 Years | 11.25% | |
| 09-12 Years | 12.25% | |
| Home Equity | |||
|---|---|---|---|
| As Low As | Base | As High As | |
| 1-5 Years | 5.50% | 6.50% | 14.50% |
| 6-10 Years | 6.00% | 7.00% | 15.00% |
| 11-15 Years | 6.50% | 7.50% | 15.50% |
| DIVIDENDS FOR July - Sept 2022 | ||
|---|---|---|
| (Minimum Balance: $25.00 Fees could reduce earnings) | ||
| APR | APY | |
| $ 25.00 - $ 99.99 | .00% | .00% |
| $ 100,00 - $ 2,999.99 | .05% | .05% |
| $ 3,000.00 - $ 9,999.99 | .05% | .05% |
| $10,000 - Over | .10% | .10% |
| DIVIDENDS FOR July - Sept 2022 | ||
| APR | APY | |
| IRA | .15% | .15% |