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Loan Rates
Offering rates are valid as of 5/01/08 and are subject to change without notice. For a current rate update, call or visit your credit union office.
| Mortgages | Call 1-609-586-6669 Ext 12 | |
| Home Equity | ||
| Fixed Rate | 3 years | 5.50% APR |
| 5 years | 6.00% APR | |
| 7-year | 6.50% APR | |
| 10-year | 6.75% APR | |
| 15-year | 7.25% APR | |
| Variable Rate Line of Credit | 15-year | At Prime (Floor Rate--6.00%) |
| Automobile | APR | |
| Auto Equity | 24-60 mos | As low as 5.90% |
| New Car | 24-72 mos | As low as 4.75% |
| *Pre-Owned | 24-60 mos | As low as 5.90% |
| (0.25% Rate Reduction on any loan with auto payment from your Checking Account) | ||
| Credit Cards | APR | |
| VISA Credit Builder Card | 16.9% | |
| VISA Classic Card | 11.5% | |
| VISA Platinum Card | 7.5% | |
| Personal Loans | APR | |
| * Unsecured - up to $10,000. | up to 60 months | As low as 10.50% |
| 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 | ||
| Int. rate during repayment | ||
| Federal Stafford |
6.80% Fixed | |
| Federal Plus/SLS | 8.50% Fixed | |
Deposit Rates
Rates as of 5/01/08. Rates subject to change any time. Deposit insured to $100,000 by the NCUA.
| ACCOUNT | APR* | APY** |
| Savings Accounts | ||
| Dividend paid on balances of $100.00 or more | 0.80% | 0.80% |
| Money Market | ||
| $2,500.00 to $9,999.99 | 1.00% | 1.00% |
| $10,000 to 24,999.99 | 1.45% | 1.46% |
| $25,000 and over | 1.75% | 1.76% |
| Tiny Tyke Accounts | .90% | .90% |
| Club Accounts | ||
| Holiday | .75% | .75% |
| Vacation | .75% | .75% |
| Summer Savings | .75% | .75% |
| Checking | ||
| Average Daily balance to earn interest is $300.00 | .50% | .50% |
| Term Savings Certificates | ||
| 90 DAY | 1.50% | 1.51% |
| 6 month | 1.90% | 1.91% |
| 12 month | 2.25% | 2.27% |
| 18 month | 2.25% | 2.27% |
| 24 month | 2.40% | 2.42% |
| 30 month | 2.25% | 2.27% |
| 36 month | 2.25% | 2.27% |
*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
The listed APRs (annual percentage rates) are based on payments that are automatically deducted from a MCNJTFCU account. For other methods of payment add 1/2%. All rates subject to change without notice.
