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Current Rates
Loans | Savings | Certificates | Fees & Disclosures
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Personal Loans
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APR*
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Secured car and truck loan as low as**
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4.74%
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Calculator
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Recreation loan as low as**
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6.50%
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Calculator
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Signature loan as low as**
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11.00%
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Calculator
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Fast Funds Line of Credit
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15.00%
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*APR is the Annual Percentage Rate. **Rates posted are the lowest possible rates and may vary depending on past credit history, down payment, and approximate term. Rates are effective August 16, 2010 and are subject to change. All rates subject to approval depending on qualifications.
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Business Loans
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Please call Deb Otto in Duluth or Karla Miller in Cloquet for our current commercial loan rates - 218-625-8500 or 800-296-8871.
Go To Loan Application | Go To Calculators | Back To Top
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Mortgage Loans
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APR*
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For current mortgage rates, please click here.
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Consumer Home Equity Loans
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APR*
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Term |
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Home Equity to 80% Loan to Value to 180 Months ***
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6.25%
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180 |
Calculator
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| Home Improvement up to 80% Loan to Value to 180 Months*** |
7.00%
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180 |
Calculator
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* APR is the Annual Percentage Rate. Rates are effective June 7, 2010 and are subject to change. ***Rates posted are the lowest possible rates and may vary depending on past credit history and loan-to-value ratio. All rates subject to approval depending on qualifications. Rate may increase over loan period. 1-Maximum APR is 18.00%
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Savings¹
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Dividend
Rate
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APY* |
Term
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Share Savings²
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0.10%
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0.10% |
n/a
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MembersPlus Money Market5
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| Tier 2 |
0.15% |
0.15% |
n/a
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| Tier 3 |
0.60% |
0.60% |
n/a
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| Tier 4 |
0.80% |
0.80% |
n/a
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| Tier 5 |
1.00% |
1.00% |
n/a
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| Tier 6 |
1.24% |
1.25% |
n/a
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| Tier 7 |
1.49% |
1.50% |
n/a
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| MembersBasic Money Market5 |
Rate |
APY* |
Term |
| Tier 2 |
0.15% |
0.15% |
n/a
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| Tier 3 |
0.40% |
0.40% |
n/a
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| Tier 4 |
0.70% |
0.70% |
n/a
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| Tier 5 |
0.95% |
0.95% |
n/a
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| Money Market |
Rate |
APY |
Term |
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Tier 2
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0.15%
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0.15% |
n/a
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Tier 3
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0.40%
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0.40% |
n/a
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Tier 4
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0.70%
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0.70% |
n/a
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Tier 5
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0.95%
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0.95% |
n/a
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| Emergency Fund |
0.10%
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0.15% |
n/a
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Christmas Club
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0.10%
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0.10% |
n/a
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Preferred Checking³
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0.05%
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0.05% |
n/a
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Classic Checking³
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0.05%
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0.05% |
n/a
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Roth IRA
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0.55%
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0.55% |
n/a
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Education IRA
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0.55%
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0.55% |
n/a
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Traditional IRA
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0.55%
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0.55% |
n/a
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Certificate IRA 36 Months
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2.08%
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2.10% |
36
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Certificate IRA 36 Months
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2.13%
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2.15% |
36
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Certificate IRA 36 Months
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2.18%
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2.20% |
36
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Certificate IRA 36 Months
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2.23%
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2.25% |
36
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Certificate IRA 60 Months
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2.48%
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2.50% |
60
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Certificate IRA 60 Months
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2.53%
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2.55% |
60
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Certificate IRA 60 Months
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2.58%
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2.60% |
60
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Certificate IRA 60 Months
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2.62%
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2.65% |
60
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(1) APY is the Annual Percentage Yield effective June 28, 2010, and is subject to change. (2) Fees could reduce the earnings on the account. (3) $2,500 minimum daily account balance required to earn posted APY. (4) $1000 minimum deposit. (5) Certain limits on electronic debits apply. See a Financial Solutions Consultant for further details. All rates are Annual Percentage Yield effective June 28, 2010 and are subject to change. A penalty will or may be imposed for early withdrawal.
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Share Certificates
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| 3 Month Term |
Rate
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APY |
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$1,000
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0.55%
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0.55% |
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$10,000
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0.55%
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0.55% |
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$50,000
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0.55%
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0.55% |
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$100,000
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0.55%
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0.55% |
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6 Month Term
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Rate
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APY |
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$1,000
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1.15%
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1.15% |
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$10,000
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1.15%
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1.15% |
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$50,000
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1.15%
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1.15% |
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$100,000
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1.20%
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1.20% |
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12 Month Term
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Rate
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APY |
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$1,000
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1.34%
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1.35% |
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$10,000
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1.39%
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1.40% |
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$50,000
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1.49%
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1.50% |
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$100,000
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1.64%
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1.65% |
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24 Month Term
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Rate |
APY |
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$1,000
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1.59%
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1.60% |
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| $10,000 |
1.64% |
1.65% |
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| $50,000 |
1.74% |
1.75% |
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| $100,000 |
1.84% |
1.85% |
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36 Month Term
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Rate
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APY |
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$1,000
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1.74%
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1.75% |
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| $10,000 |
1.79% |
1.80% |
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| $50,000 |
1.89% |
1.90% |
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| $100,000 |
1.99% |
2.00% |
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48 Month Term
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Rate
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APY |
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$1,000
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1.99%
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2.00% |
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| $10,000 |
2.03% |
2.05% |
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| $50,000 |
2.08% |
2.10% |
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| $100,000 |
2.23% |
2.25% |
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60 Month Term
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Rate
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APY |
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$1,000
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2.18%
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2.20% |
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| $10,000 |
2.23% |
2.25% |
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| $50,000 |
2.28% |
2.30% |
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| $100,000 |
2.43% |
2.45% |
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Funeral
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Rate
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APY |
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Same as 60 Month Term
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2.18%
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2.20% |
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All rates are Annual Percentage Yield effective June 28, 2010 and are subject to change. A penalty will or may be imposed for early withdrawal.
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Copyright 2009 | Members Cooperative Credit Union | All rights reserved.
