Deposit Rates
Deposit accounts earn dividends daily. Dividends are posted at the end of each quarter as follows:
1st Quarter (Jan-March)/Dividend Paid April 1
2nd Quarter (April-June)/Dividend Paid July 1
3rd Quarter (July-Sept)/Dividend Paid Oct. 1
4th Quarter (Oct.-Dec.)/Dividend Paid Jan. 1
Rates are subject to change on a quarterly basis, following the same schedule above, and will be updated here.
| Rate | Annual Percentage Yield | |
| Savings (Regular Share Acct)º | 1.250% | 1.257% |
| IRA Accounts¹ | 2.000% | 2.020% |
| E-Checking (Share Draft Acct)² | 0.625%³ | 0.626%³ |
ºThe minimum balance to earn dividends on regular accounts is $50.00
¹The minimum balance to earn dividends on IRA accounts is $200.00
²The minimum balance to earn dividends on share draft accounts is $1.00
³Rate and annual percentage yield with e-statements. Without e-statements deduct 0.50%.
Loans‡
Note: All rates shown are the credit union’s lowest rates. Individual rates are based on credit worthiness and other factors. Where available, a 0.25% discount is applied for auto-pay. Without auto-pay from a credit union savings or checking account, add 0.25%. If you are interested in finding your actual rate, please submit a loan application.
Home Equity Loans**
Home Equity Line of Credit*‡
| Loan Amount | Loan-to-value | Annual Percentage Rate |
| $10,000 – $100,000 | ≤80% | 3.25%* |
| $100,001-$200,000 | ≤70% | 3.25%* |
*This is a variable rate revolving line of credit with a 10-year draw and a maximum 15-year payback. The rate adjusts according to the prime rate as set forth in the Wall Street Journal. Fees apply where full appraisals are required.
‡Loan and credit card rates are the lowest rates for qualified applicants, based on creditworthiness. Other restrictions may apply based on underwriting criteria.
Fixed Rate 2nd Mortgage*‡
| Term | Loan Amount | Annual Percentage Rate |
| 5 years (60 months) | $10,000 – $50,000 | 3.75% |
| 7 years (84 months) | $25,000 – $50,000 | 4.00% |
**Fees apply where full appraisals are required.
‡Loan and credit card rates are the lowest rates for qualified applicants, based on creditworthiness. Other restrictions may apply based on underwriting criteria.
Vehicle Loans‡
Rates below are the lowest rates possible for new and used automobiles, RVs, boats, and motorcycles.
| Term | APR* |
| 24 months | 2.75% |
| 36 months | 2.75% |
| 48 months | 3.00% |
| 60 months | 3.25% |
| 72 months | 3.50% |
‡Loan and credit card rates are the lowest rates for qualified applicants, based on creditworthiness. Other restrictions may apply based on underwriting criteria.
Unsecured (Personal) Loans‡
| Term | Annual Percentage Rate |
| 12 months | 9.00% APR |
| 36 months | 9.25% APR |
| 48 months | 9.50% APR |
| 60 months | 9.75% APR |
‡Loan and credit card rates are the lowest rates for qualified applicants, based on creditworthiness. Other restrictions may apply based on underwriting criteria.
Share (Savings) Secured Loans‡
| Term | Annual Percentage Rate |
| Up to 72 months | 3.25% APR* |
*This is a variable rate loan with the rate set at the current MEFCU share rate plus 2.25%.
‡Loan and credit card rates are the lowest rates for qualified applicants, based on creditworthiness. Other restrictions may apply based on underwriting criteria.
MasterCard/Visa
| Annual Percentage Rate |
| 8.28% APR |
‡Loan and credit card rates are the lowest rates for qualified applicants, based on creditworthiness. Other restrictions may apply based on underwriting criteria.
