Rates

As a financial cooperative, Metrum Credit Union exists to serve the best interests of YOU, our member-owners. Our sole purpose is to provide honest financial services for our members and our community…so why would we charge more than we have to?


DEPOSIT RATES

Effective as of 12/2/2024

ACCOUNT TYPEANNUAL PERCENTAGE YIELDMINIMUM DEPOSITMINIMUM BALANCE TO EARN
REGULAR SHARE SAVINGS0.10%$25$100
HOLIDAY CLUB SAVINGS0.10%$5$5
VACATION CLUB SAVINGS0.10%$5$5
OTHER SAVINGS0.10%$5$5
SWIPE & SAVE4.25%$0$25
MONEY MARKET SAVINGS1.00%
1.11%
1.15%
1.25%
1.50%
1.55%
$500
$500
$500
$500
$500
$500
$500
$2,500
$10,000
$25,000
$50,000
$100,000
IRA SAVINGS0.10%
1.00%
1.11%
1.15%
1.25%
1.50%
1.55%
$100
$500
$500
$500
$500
$500
$500
$100
$500
$2,500
$10,000
$25,000
$50,000
$100,000
MONEY WISE SPENDING
(Checking)
0%$0$0
DIVIDEND WISE SPENDING
(Checking)
0.03%$500$500
YOUNG OWNER SPENDING
(Checking)
0%$0$0
SMALL BUSINESS SPENDING
(Checking)
0.03%$0$2,500
Regular Share Savings: Dividends declared and paid at the end of each quarter. Dividend quoted as of September 30, 2024.

CERTIFICATE OF DEPOSIT RATES

Opening balance and minimum balance requirements are the same. Flexible CD terms are available, ask for details. IRA certificate terms are 12 months, 24 months, 36 months, 48 months & 60 months.

Effective as of 12/2/2024

CERTIFICATE OF DEPOSIT TERMANNUAL PERCENTAGE YIELDMINIMUM DEPOSIT
6 MONTHS4.25%$500
10-MONTH CD SPECIAL**4.65%$500-New Money Only
12 MONTHS4.00%
4.10%
$500
$100,000
18 MONTHS3.45%
3.70%
$500
$100.000
24 MONTHS3.35%
3.60%
$500
$100,000
36 MONTHS3.25%
3.50%
$500
$100,000
48 MONTHS3.15%
3.40%
$500
$100,000
60 MONTHS3.05%
3.30%
$500
$100,000
Early withdrawal penalties apply to Certificates: 6 month-11-month terms= 90 days interest penalty, 12 months and greater= 180 days interest penalty. If flexible term, (non-standard term) is chosen, CD will renew at closest lower term. APY (Annual Percentage Yield) assumes that interest remain on deposit until maturity, and withdrawal of interest will reduce earning on the account. All rates/APY’s are subject to change without notice. Interest is calculated on the average daily balance. **10-Month CD Special available for a limited time and is subject to change without notice. 10-month CD will renew at a 6-month term. Requires new deposits only (funds not held at MCCU).

LOAN RATES

Effective as of 12/2/2024

DESCRIPTIONTERMS AVAILABLE*RATES AS LOW AS*APPLY TODAY!
NEW & USED AUTO
Purchase from a dealer or private party
Up to 84 months & up to 130% of NADA Retail Value5.39% APRApply Online
REFINANCE NEW & USED AUTO
Refinance from another Financial
Up to 72 months & up to 130% NADA Retail Value5.39% APRApply Online
AUTO EQUITY (Title Loan)
Use your vehicle title and get a great rate!
Up to 72 months & up to 100% NADA Retail Value5.39% APRApply Online
Other Secured
Motorcycles & RVs
Up to 84 months & 100% NADA Retail Value6.49% APRApply Online
FIRST MORTGAGE
Refinance your First Mortgage with MCCU
Up to 30 years & 90% of the appraised valueCall or email for today’s rateMortgage Loan Application

Required Mortgage Documents
HOME EQUITY
Fixed Term and Rate
Up to 20 years & 90% of the home’s value.6.99% APRApply Online
Required Mortgage Documents
HOME EQUITY LINE OF CREDIT (HELOC)
Capped rate adjustment per quarter based on the Prime Index Rate.
10-year draw period with a 20-year payment.8.75% APR Variable Rate

Maximum rate is 18.00%
Apply Online
Required Mortgage Documents
What you should know about HELOCs 
HOME EQUITY LINE OF CREDIT (HELOC)
Non-Capped rate adjustment based on the Prime Index Rate.
10-year draw period with a 20-year payment.7.75% APR Variable Rate

Maximum rate is 18.00%
Apply Online
Required Mortgage Documents
What you should know about HELOCs 
PREMIER REWARD VISA CREDIT CARDPremier Rewards – earn 1 point for every $1 that you spend. Use points for gift cards, travel or merchandise.
14.24% APR Variable Rate.

Maximum rate is 18.00%
Apply Online

Credit Card Application Disclosure
UNSECURED/PERSONALUp to 48 months11.49% APRApply Online
SHARE SECURED
Borrow from your own money at a great low rate!
Up to 5-year term3.00% + secured share’s dividend/interest rateCall or email to apply
No Credit Check Required
*Loan rates listed above are the Annual Percentage Rate and are subject to credit approval and may change at any time. As Low As Rates include discounts for term, loan to value, membership and credit score. Metrum Community Credit Union is an equal housing/equal opportunity lender.
Our branches will close at 1:00PM on Tuesday, Dec. 24 for Christmas Eve
& be closed on Wednesday, Dec. 25 for Christmas.