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.

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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 2.89% APR Apply Online
New & Used Auto: Refinance from another Financial Up to 72 months & up to 130% NADA Retail Value 2.89% APR Apply Online
Auto Equity: Use your vehicle title and get a great rate! Up to 72 months & up to 100% NADA Retail Value 2.89% 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 ApplicationMortgage Application Checklist
Home Equity: Fixed Term and Rate Up to 20 years & 90% of the homes value 3.74% 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) 10-year draw period with a 20-year payment 5.00% APR 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 4.00% APR 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
9.74% APR (Variable Rate) 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 7/1/2020

Regular Share Savings: Dividends declared and paid at the end of each quarter. Dividend quoted as of June 30, 2020.

Savings Rates - Effective Friday, April 17, 2020
APYMinimum
Deposit
Minimum
Balance
REGULAR SHARE SAVINGS0.100%$25.00$100.00
HOLIDAY CLUB SAVINGS0.100%$5.00$5.00
VACATION CLUB SAVINGS0.100%$5.00$5.00
OTHER SAVINGS0.100%$5.00$5.00
MONEY MARKET SAVINGS0.150%$2,500.00$2,500.00
MONEY MARKET SAVINGS0.200%$2,500.00$10,000.00
MONEY MARKET SAVINGS0.300%$2,500.00$25,000.00
MONEY MARKET SAVINGS0.350%$2,500.00$50,000.00
MONEY MARKET SAVINGS0.400%$2,500.00$100,000.00
MONEY-WI$E CHECKING0.000%$0.00$0.00
DIVIDEND-WI$E CHECKING0.030%$0.00$500.00
SMALL BUSINESS CHECKING0.030%$0.00$2,500.00
IRA SHARE ACCOUNT0.100%$0.00$100.00
IRA SHARE ACCOUNT0.150%$0.00$2,500.00
IRA SHARE ACCOUNT0.200%$0.00$10,000.00
IRA SHARE ACCOUNT0.300%$0.00$25,000.00
IRA SHARE ACCOUNT0.350%$0.00$50,000.00
IRA SHARE ACCOUNT0.400%$0.00$100,000.00
EDUCATION IRA0.100%$0.00$100.00
EDUCATION IRA0.150%$0.00$2,500.00
EDUCATION IRA0.200%$0.00$10,000.00
EDUCATION IRA0.300%$0.00$25,000.00
EDUCATION IRA0.350%$0.00$50,000.00
EDUCATION IRA0.400%$0.00$100,000.00
ROTH CONVERSION0.100%$0.00$100.00
ROTH CONVERSION0.150%$0.00$2,500.00
ROTH CONVERSION0.200%$0.00$10,000.00
ROTH CONVERSION0.300%$0.00$25,000.00
ROTH CONVERSION0.350%$0.00$50,000.00
ROTH CONVERSION0.400%$0.00$100,000.00
SEP IRA0.100%$0.00$100.00
SEP IRA0.150%$0.00$2,500.00
SEP IRA0.200%$0.00$10,000.00
SEP IRA0.300%$0.00$25,000.00
SEP IRA0.350%$0.00$50,000.00
SEP IRA0.400%$0.00$100,000.00

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 14, 2020
Certificate TermAPYMinimum Deposit
6 MONTH SHARE CERTIFICATE0.550%$1,000.00
9 MONTH SHARE CERTIFICATE0.600%$1,000.00
12 MO CERTIFICATE0.700%$1,000.00
12 MO CERTIFICATE0.800%$25,000.00
18 MONTH SHARE CERTIFICATE0.750%$1,000.00
18 MONTH SHARE CERTIFICATE0.850%$25,000.00
24 MONTH SHARE CERTIFICATE0.800%$1,000.00
24 MONTH SHARE CERTIFICATE0.900%$25,000.00
30 MONTH SHARE CERTIFICATE0.900%$1,000.00
30 MONTH SHARE CERTIFICATE1.000%$25,000.00
36 MONTH SHARE CERTIFICATE1.050%$1,000.00
36 MONTH SHARE CERTIFICATE1.150%$25,000.00
48 MONTH SHARE CERTIFICATE1.100%$1,000.00
48 MONTH SHARE CERTIFICATE1.200%$25,000.00
60 MONTH SHARE CERTIFICATE1.150%$1,000.00
60 MONTH SHARE CERTIFICATE1.250%$25,000.00
TRADITIONAL IRA CERTIFICATE0.700%$1,000.00
TRADITIONAL IRA CERTIFICATE0.800%$25,000.00
ROTH IRA CERTIFICATE0.700%$1,000.00
ROTH IRA CERTIFICATE0.800%$25,000.00
EDUCATION IRA CERTIFICATE0.700%$1,000.00
EDUCATION IRA CERTIFICATE0.800%$25,000.00
12MO ROTH CONV IRA0.700%$1,000.00
12MO ROTH CONV IRA0.800%$25,000.00
24MO TRADITIONAL IRA0.800%$1,000.00
24MO TRADITIONAL IRA0.900%$25,000.00
24MO ROTH IRA CERT0.800%$1,000.00
24MO ROTH IRA CERT0.900%$25,000.00
24MO EDUCATION IRA0.800%$1,000.00
24MO EDUCATION IRA0.900%$25,000.00
24MO ROTH CONV IRA0.800%$1,000.00
24MO ROTH CONV IRA0.900%$25,000.00
36MO TRADITIONAL IRA1.050%$1,000.00
36MO TRADITIONAL IRA1.150%$25,000.00
36MO ROTH IRA CERT1.050%$1,000.00
36MO ROTH IRA CERT1.150%$25,000.00
36MO EDUCATION IRA1.050%$1,000.00
36MO EDUCATION IRA1.150%$25,000.00
36MO ROTH CON CERT1.050%$1,000.00
36MO ROTH CON CERT1.150%$25,000.00
48MO TRADITIONAL IRA1.100%$1,000.00
48MO TRADITIONAL IRA1.200%$25,000.00
48MO ROTH IRA CERT1.100%$1,000.00
48MO ROTH IRA CERT1.200%$25,000.00
48MO EDUCATION IRA1.100%$1,000.00
48MO EDUCATION IRA1.200%$25,000.00
48MO ROTH CONV IRA1.100%$1,000.00
48MO ROTH CONV IRA1.200%$25,000.00
60MO TRADITIONAL IRA1.150%$1,000.00
60MO TRADITIONAL IRA1.250%$25,000.00
60MO ROTH IRA CERT1.150%$1,000.00
60MO ROTH IRA CERT1.250%$25,000.00
60MO EDUCATION IRA1.150%$1,000.00
60MO EDUCATION IRA1.250%$25,000.00
60MO ROTH CONV IRA1.150%$1,000.00
60MO ROTH CONV IRA1.250%$25,000.00