Loan & Investment Rates

rates

Here are the current loan rates for Metrum Community Credit Union (scroll down for investment rates)

  Apply for a loan now!

Whatever your borrowing needs, you can be assured that you will receive prompt, personal, confidential service with competitive loan products. Metrum Community Credit Union loans are simple interest and have no pre-payment penalties.

You can apply for your loan online by clicking here, in person, by phone or at one of our branches.

Don’t see what you are looking for? Give us a call and we may have a solution for you.

Product & Description Terms 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 Value 4.89% APR Apply Online
New & Used Auto: Refinance from another Financial Up to 72 months & up to 130% NADA Retail Value 4.89% APR Apply Online
Auto Equity: Use your vehicle title and get a great rate! Up to 72 months & up to 100% NADA Retail Value 4.89% APR Apply Online
Other Secured: Motorcycles & RV’s Up to 84 months & 100% NADA Retail Value 4.99% APR Apply Online
First Mortgage: Refinance your First Mortgage with MCCU Up to 30 years & 90% of the appraised value Call or email for today’s rate Mortgage Loan Application Mortgage Application Checklist
Home Equity: Fixed Term and Rate Up to 20 years & 90% of the home’s value 5.49% APR Apply Online

Mortgage Application Checklist

Home Equity Line of Credit (HELOC):
Capped rate adjustment of .50% per quarter or 2.00% per year (based on Prime Index Rate plus 1.00%)
10-year draw period with a 20-year payment 8.00% APR
Variable Rate
Apply Online

Mortgage Application Checklist

Home Equity Line of Credit (HELOC):
Non-Capped rate adjustment (based on Prime Index Rate)
10-year draw period with a 20-year payment 7.00% APR
Variable Rate
Apply Online

Mortgage Application Checklist

MCCU VISA Credit Card: Premier Rewards-earn 1 point for every $1 that you spend. Use points for gift cards, travel or merchandise
13.49% APR
Variable Rate. Max rate is 17.99%
Apply Online
MCCU VISA Credit Card: Classic Card- Enjoy a simple, low fixed-rate
11.99% APR Apply Online
Unsecured/Personal Up to 48 months 9.99% APR Apply Online
Overdraft Line-of-Credit: Protect your account from NSF charges
17.00% APR Apply Online
Share Secured: Borrow from your own money at a great low rate! Up to 5-year term 3.00% + secured share’s dividend/interest rate Call 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. Rates effective as of 12/1/2022

Regular Share Savings: Dividends declared and paid at the end of each quarter. Dividend quoted as of September 30, 2022.

Savings Rates - Effective Wednesday, November 9, 2022
APYMinimum
Deposit
Minimum
Balance
REGULAR SHARE SAVINGS0.1%$25$100
HOLIDAY CLUB SAVINGS0.1%$5$5
VACATION CLUB SAVINGS0.1%$5$5
OTHER SAVINGS0.1%$5$5
MONEY MARKET SAVINGS0.45%$2500$2500
MONEY MARKET SAVINGS0.5%$2500$10000
MONEY MARKET SAVINGS0.6%$2500$25000
MONEY MARKET SAVINGS0.65%$2500$50000
MONEY MARKET SAVINGS0.7%$2500$100000
MONEY WI$E CHK0% $0
YOUNG OWNER CHK0% $0
DIVIDEND-WI$E CHECKING0.03% $500
SMALL BUSINESS CHECKING0.03% $2500
IRA SHARE ACCOUNT0.1% $100
IRA SHARE ACCOUNT0.45% $2500
IRA SHARE ACCOUNT0.5% $10000
IRA SHARE ACCOUNT0.6% $25000
IRA SHARE ACCOUNT0.65% $50000
IRA SHARE ACCOUNT0.7% $100000
SEP IRA'S0.1% $100
SEP IRA'S0.15% $2500
SEP IRA'S0.2% $10000
SEP IRA'S0.3% $25000
SEP IRA'S0.35% $50000
SEP IRA'S0.4% $100000

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 corresponding term noted. 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.

Certificate Rates - Effective Tuesday, December 6, 2022
Certificate TermAPYMinimum Deposit
6 MONTH SHARE CERTIFICATE2.25%$1000
12 MO CERTIFICATE2.5%$500
12 MO CERTIFICATE2.55%$25000
18 MONTH SHARE CERTIFICATE2.75%$1000
18 MONTH SHARE CERTIFICATE2.8%$25000
24 MONTH SHARE CERTIFICATE3.25%$1000
24 MONTH SHARE CERTIFICATE3.3%$25000
36 MONTH SHARE CERTIFICATE3%$1000
36 MONTH SHARE CERTIFICATE3.05%$25000
48 MONTH SHARE CERTIFICATE2.9%$1000
48 MONTH SHARE CERTIFICATE2.95%$25000
60 MONTH SHARE CERTIFICATE2.8%$1000
60 MONTH SHARE CERTIFICATE2.85%$25000
TRADITIONAL IRA CERTIFICATE2.5%$1000
TRADITIONAL IRA CERTIFICATE2.55%$25000
ROTH IRA CERTIFICATE2.5%$1000
ROTH IRA CERTIFICATE2.55%$25000
EDUCATION IRA CERTIFICATE2.5%$1000
EDUCATION IRA CERTIFICATE2.55%$25000
12MO ROTH CONV IRA2.5%$1000
12MO ROTH CONV IRA2.55%$25000
24MO TRADITIONAL IRA3.25%$1000
24MO TRADITIONAL IRA3.3%$25000
24MO ROTH IRA CERT3.25%$1000
24MO ROTH IRA CERT3.3%$25000
24MO EDUCATION IRA3.25%$1000
24MO EDUCATION IRA3.3%$25000
24MO ROTH CONV IRA3.25%$1000
24MO ROTH CONV IRA3.3%$25000
36MO TRADITIONAL IRA3%$1000
36MO TRADITIONAL IRA3.05%$25000
36MO ROTH IRA CERT3%$1000
36MO ROTH IRA CERT3.05%$25000
36MO EDUCATION IRA3%$1000
36MO EDUCATION IRA3.05%$25000
36MO ROTH CON CERT3%$1000
36MO ROTH CON CERT3.05%$25000
48MO TRADITIONAL IRA2.9%$1000
48MO TRADITIONAL IRA2.95%$25000
48MO ROTH IRA CERT2.9%$1000
48MO ROTH IRA CERT2.95%$25000
48MO EDUCATION IRA2.9%$1000
48MO EDUCATION IRA2.95%$25000
48MO ROTH CONV IRA2.9%$1000
48MO ROTH CONV IRA2.95%$25000
60MO TRADITIONAL IRA2.8%$1000
60MO TRADITIONAL IRA2.85%$25000
60MO ROTH IRA CERT2.8%$1000
60MO ROTH IRA CERT2.85%$25000
60MO EDUCATION IRA2.8%$1000
60MO EDUCATION IRA2.85%$25000
60MO ROTH CONV IRA2.8%$1000
60MO ROTH CONV IRA2.85%$25000