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Loan Rates
Offering rates are valid as of 7-1-11 and are subject to change without notice. For a current rate update, call or visit your credit union office.
| Mortgages | Call Paul DeUmberto at 609-731-9198 | |
| Home Equity | ||
| Fixed Rate | 3 years | 4.00% APR |
| 5 years | 5.00% APR | |
| 7-year | 5.25% APR | |
| 10-year | 5.50% APR | |
| 15-year | 5.75% APR | |
| Variable Rate Line of Credit | 15-year | At Prime (Floor Rate--3.25%) |
| Automobile | APR | |
| New Car | 24-72 mos | As low as 3.99% |
| *Pre-Owned | 24-60 mos | As low as 3.99% |
| (0.25% Rate Reduction on any loan with auto payment from your Checking Account) | ||
| Credit Cards | APR | |
| VISA Classic Card | 11.5% | |
| VISA Platinum Card | 7.5% | |
| Personal Loans | APR | |
| * Unsecured - up to $5,000. | up to 60 months | As low as 9.99% |
| Savings Secured | 12 months | 4.50% |
| 24 months | 5.00% | |
| 36 months | 5.50% | |
| Secured Term Savings Certificates | up to 24 months | 3.00% Higher than Term Savings Certificate |
| Educational Loans | ||
| No longer offered | ||
Deposit Rates
Rates as of 1-1-12. Rates subject to change any time. Deposit insured to $250,000 by the NCUA.
| ACCOUNT | APR* | APY** |
| Savings Accounts | ||
| Dividend paid on balances of $100.00 or more | 0.15% | 0.15% |
| Money Market | ||
| $2,500.00 to $9,999.99 | 0.15% | 0.15% |
| $10,000 to 24,999.99 | 0.30% | 0.30% |
| $25,000 and over | 0.45% | 0.45% |
| Tiny Tyke Accounts | 0.50% | 0.50% |
| Club Accounts | ||
| Holiday | 0.25% | 0.25% |
| Vacation | 0.25% | 0.25% |
| Summer Savings | 0.50% | 0.50% |
| Checking | 0.00% | 0.00% |
| Term Savings Certificates | ||
| 90 DAY | 0.25% | 0.25% |
| 6 month | 0.40% | 0.40% |
| 12 month | 0.60% | 0.60% |
| 18 month | 0.70% | 0.70% |
| 24 month | 0.90% | 0.90% |
| 30 month | 1.00% | 1.00% |
| 36 month | 1.20% | 1.21% |
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
For Loans, the listed APRs (annual percentage rates) are based on payments that are automatically deducted from a MCNJTFCU account. All rates subject to change without notice.
