Rates

Rates effective February 5th, 2012 | Print
Saving RatesRateAPY ¹
Share Accounts with Balances
$0 - $4.990.00%0.00%
$5 - $4,999.990.10%0.10%
$5,000 - $14,999.990.15%0.15%
$15,000 - $24,999.990.20%0.20%
$25,000 and up0.25%0.25%
Special Accounts0.10%0.10%
Holiday Club Accounts0.10%0.10%
IRA Share Accounts0.50%0.50%
Minimum balance to earn dividends on above is $5.
Power Savings Accounts0.50%0.50%
Minimum balance to earn quarterly dividends on above is $100.
1.2.3 Checking RateAPY ¹
Level 1: no minimum balance0.00%0.00%
Level 2: $500 - $1,999.99 0.10%0.10%
Level 3: $2,000 - $20,000
$20,000.01 and up
0.50%
0.10%
0.50%
0.10%
For Level benefits and qualifiers click here. $25 to open the account.

¹ Annual Percentage Yield

Share Certificate Rates*RateAPY ¹
6 Month Share Certificate0.45%0.45%
12 Month Share Certificate0.60%0.60%
24 Month Share Certificate1.40%1.41%
36 Month Share Certificate 1.50%1.51%
12/6 Month Share Certificate 0.50%0.50%
IRA Share CertificatesRateAPY ¹
12/6 Month IRA Share Certificate0.50%0.50%
12 Month IRA Share Certificate0.60%0.60%
24 Month IRA Share Certificate1.40% 1.41%
36 Month IRA Share Certificate1.50%1.51%

*Share certificate rates are subject to change without notice. Call 800.436.8328 for more details. Early withdrawal penalty may apply. Minimum deposit is $500.
¹ Annual Percentage Yield

Business Service RatesRateAPY ¹
Business Savings Accounts ²0.10%0.10%
Business MasterCard9.50%
Business Checking Accounts ³0.10%0.10%
Business Non-Profit Checking Accounts ³0.10%0.10%

¹ Annual Percentage Yield
² Minimum balance to earn dividends on above is $5.
³ Minimum balance to earn dividends on above is $2500.

LoanTermAPR*
New and Used Vehicle Loans24 - 72 months2.00% - 15.95%
New and Used Boat and Motorcycle 24 - 72 months2.00% - 15.95%
New and Used Recreational Vehicle24 - 72 months**3.00% - 16.95%
Used Vehicle, 6 - 7 years old24 - 60 months 4.00% - 16.93%
Other Loans
Signature Loans (unsecured)12 - 48 months6.00% - 18.00%

*Your interest rate is determined by your credit history and the length of the loan. Exisiting MSFFCU loans do not qualify for these rates.
**Other terms may be available. Term of loan determined by loan underwriting guidelines.
***5 years old or less. Call for terms and rates on older models.

Line of Credit Loan RatesAPR
MasterCard Platinum (variable rate)4.25% - 18.00%
Visa Platinum and Gold Credit Card (variable rate)5.24% - 18.00%
Share Secured Loans5.00%
Share Certificate Secured3.00% above share certificate rate


Mortgage Loan RatesTermAPR*
Home Equity LOC (up to 80% LTV)10 Year5.50% - 11.50%
Home Equity LOC (up to 80% LTV)15 Year**6.00% - 12.50%
Home Equity - Rates change daily. Call 800.436.8328 x510
Unimproved Property (up to 80% LTV)10 Year5.50% - 11.50%
Unimproved Property (up to 80% LTV) 15 Year**6.50% - 12.50%
Mobile Homes Permanently Affixed to Land - Rates change daily. Call 800.436.8328 x510
Mortgages - Rates change daily. Call 800.436.8328 x510

*Your interest is determined by your credit history and the length of the loan.
**15 year term available only on loans greater than $15,000.