Loan & Investment Rates

rates

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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 6.14% APR Apply Online
New & Used Auto: Refinance from another Financial Up to 72 months & up to 130% NADA Retail Value 6.14% APR Apply Online
Auto Equity (Title Loan): Use your vehicle title and get a great rate! Up to 72 months & up to 100% NADA Retail Value 6.14% APR Apply Online
Other Secured: Motorcycles & RV’s Up to 84 months & 100% NADA Retail Value 6.49% 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

Documents needed with a Mortgage Application

Home Equity: Fixed Term and Rate Up to 20 years & 90% of the home’s value.
Estimated closing costs range from $500-$1,200, including origination and appraisal.
6.99% APR Apply Online

Documents needed with a Mortgage Application

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.
Estimated closing costs range from $500-$1,200, including origination and appraisal.
9.50% APR Variable Rate

Maximum rate is 18.00%

Apply Online

Documents needed with a Mortgage Application

What you should know about HELOCs 

Home Equity Line of Credit (HELOC):
Non-Capped rate adjustment (based on Prime Index Rate)
10-year draw period with a 20-year payment.
Estimated closing costs range from $500-$1,200, including origination and appraisal.
8.50% APR Variable Rate

Maximum rate is 18.00%

Apply Online

Documents needed with a Mortgage Application

What you should know about HELOCs

MCCU VISA Credit Card: Premier Rewards-earn 1 point for every $1 that you spend. Use points for gift cards, travel or merchandise
14.99% APR Variable Rate.

Maximum rate is 18.00%

Apply Online

Credit Card Application Disclosure

MCCU VISA Credit Card: Classic Card- Enjoy a simple, low fixed-rate
11.99% APR Apply Online

Credit Card Application Disclosure

Unsecured/Personal Up to 48 months 10.99% 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 2/1/2024.

Regular Share Savings: Dividends declared and paid at the end of each quarter. Dividend quoted is as of June 30, 2024.

Savings Rates - Effective Thursday, February 1, 2024
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 SAVINGS1%$500$500
MONEY MARKET SAVINGS1.11%$500$2500
MONEY MARKET SAVINGS1.15%$500$10000
MONEY MARKET SAVINGS1.25%$500$25000
MONEY MARKET SAVINGS1.5%$500$50000
MONEY MARKET SAVINGS1.55%$500$100000
MONEY WISE CHK0% $0
DIVID WISE CHK0.03% $500
YOUNG OWNER CHK0% $0
SMALL BUSINESS CHECKING0.03% $2500

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, July 23, 2024
Certificate TermAPYMinimum Deposit
6 MONTH SHARE CERTIFICATE4.5%$500
12 MO CERTIFICATE4.5%$500
12 MO CERTIFICATE4.75%$100000
18 MONTH SHARE CERTIFICATE3.45%$500
18 MONTH SHARE CERTIFICATE3.7%$100000
24 MONTH SHARE CERTIFICATE3.35%$500
24 MONTH SHARE CERTIFICATE3.6%$100000
36 MONTH SHARE CERTIFICATE3.25%$500
36 MONTH SHARE CERTIFICATE3.5%$100000
48 MONTH SHARE CERTIFICATE3.15%$500
48 MONTH SHARE CERTIFICATE3.4%$100000
60 MONTH SHARE CERTIFICATE3.05%$500
60 MONTH SHARE CERTIFICATE3.3%$100000
TRADITIONAL IRA CERTIFICATE4.5%$500
TRADITIONAL IRA CERTIFICATE4.75%$100000
ROTH IRA CERTIFICATE4.5%$500
ROTH IRA CERTIFICATE4.75%$100000
EDUCATION IRA CERTIFICATE4.5%$500
EDUCATION IRA CERTIFICATE4.75%$100000
12MO ROTH CONV IRA4.5%$500
12MO ROTH CONV IRA4.75%$100000
24MO TRADITIONAL IRA3.35%$500
24MO TRADITIONAL IRA3.6%$100000
24MO ROTH IRA CERT3.35%$500
24MO ROTH IRA CERT3.6%$100000
24MO EDUCATION IRA3.35%$500
24MO EDUCATION IRA3.6%$100000
24MO ROTH CONV IRA3.35%$500
24MO ROTH CONV IRA3.6%$100000
36MO TRADITIONAL IRA3.25%$500
36MO TRADITIONAL IRA3.5%$100000
36MO ROTH IRA CERT3.25%$500
36MO ROTH IRA CERT3.5%$100000
36MO EDUCATION IRA3.25%$500
36MO EDUCATION IRA3.5%$100000
36MO ROTH CON CERT3.25%$500
36MO ROTH CON CERT3.5%$100000
48MO TRADITIONAL IRA3.15%$500
48MO TRADITIONAL IRA3.4%$100000
48MO ROTH IRA CERT3.15%$500
48MO ROTH IRA CERT3.4%$100000
48MO EDUCATION IRA3.15%$500
48MO EDUCATION IRA3.4%$100000
48MO ROTH CONV IRA3.15%$500
48MO ROTH CONV IRA3.4%$100000
60MO TRADITIONAL IRA3.05%$500
60MO TRADITIONAL IRA3.3%$100000
60MO ROTH IRA CERT3.05%$500
60MO ROTH IRA CERT3.3%$100000
60MO EDUCATION IRA3.05%$500
60MO EDUCATION IRA3.3%$100000
60MO ROTH CONV IRA3.05%$500
60MO ROTH CONV IRA3.3%$100000