Members Federal Credit Union

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Rates

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Savings, Certificates and Money Markets

Rates last updated January 31st, 2012___________________________Printer Friendly

Savings Account Dividend Rate
APY
Regular Savings
0.12%
0.12%
Other Savings
0.05%
0.05%
Health Savings Account
0.25%
0.25%
Money Market Accounts
$2,000-$9,999
0.15%
0.15%
$10,000-$24,999
0.20%
0.20%
$25,000 - $49,999
0.30%
0.30%
$50,000 - $74,999
0.40%
0.40%
$75,000 and above
0.50%
0.50%
Term Certificates- $500 Minimum
6 Month
0.25%
0.25%
12 Month
0.35%
0.35%
18 Month
0.45%
0.45%
24 Month
0.68%
0.68%
36 Month
0.85%
0.85%
48 Month
1.00%
1.00%
60 Month
1.42%
1.43%
Jumbo Certificates- $10,000
6 Month
0.30%
0.30%
12 Month
0.47%
0.47%
18 Month
0.50%
0.50%
24 Month
0.82%
0.82%
36 Month
1.14%
1.15%
48 Month
1.32%
1.33%
60 Month
1.82%
1.84%
Super Jumbo Certificates- $50,000
6 Month
0.35%
0.35%
12 Month
0.52%
0.52%
18 Month
0.58%
0.58%
24 Month
0.96%
0.96%
36 Month
1.30%
1.31%
48 Month
1.48%
1.49%
60 Month
1.98%
2.00%
Individual Retirement Accounts
IRA Shares
0.13%
0.13%
IRA 12 Month CD
0.52%
0.52%
IRA 24 Month CD
0.96%
0.96%
IRA 36 Month CD
1.30%
1.31%
IRA 48 Month CD
1.48%
1.49%
IRA 60 Month CD
1.98%
2.00%
Club Accounts
Christmas
0.15%
0.15%
Vacation
0.15%
0.15%
Education
0.15%
0.15%

Loans

Rates Current As Of _______________________________________________Printer Friendly

New & Used Auto
24 Month Term*
80%
90%
100%
   36 Month Term*
80%
90%
100%
740 +
2.25
2.90
3.25
 740 +
2.28
2.93
3.28
739-720
2.50
3.15
3.50
 739-720
2.53
3.18
3.53
719-670
3.00
3.65
4.00
 719-670
3.03
3.68
4.03
669-620
6.50
7.15
7.50
 669-620
6.53
7.18
7.53
Below 619
12.00
12.65
13.00
 Below 619
12.03
12.68
13.03
48 Month Term*
80%
90%
100%
 60 Month Term*
80%
90%
100%
740 +
2.30
2.98
3.35
 740 +
2.99
3.26
3.61
739-720
2.55
3.23
3.60
 739-720
3.24
3.51
3.86
719-670
3.05
3.73
4.10
 719-670
3.74
4.01
4.36
669-620
6.55
7.23
7.60
 669-620
7.24
7.51
7.86
Below 619
12.05
12.73
13.10
 Below 619
12.74
13.01
13.36
72 Month Term*
80%
90%
100%
 84 Month Term*
80%
90%
100%
740 +
2.58
3.38
3.95
 740 +
4.75
5.40
5.85
739-720
2.83
3.63
4.20
 739-720
5.00
5.65
6.10
719-670
3.33
4.13
4.70
 719-670
5.50
6.15
6.60
669-620
6.83
7.63
8.20
 669-620
9.00
9.65
10.10
Below 619
12.33
13.13
13.70
 Below 619
14.50
15.15
15.60

*All rates shown are Annual Percentage Rate (APR). Rate shown is lowest available. Rates are subject to change without notice.
Deduct .10% with a Tax Saver Loan. Must be a homeowner to qualify. Consult with your tax advisor for tax deductibility.
72 and 84 month terms are available only for loan amounts over $20,000.

Motorcycle & RV
24 Month Term*
Motorcycle
Group A
Group B
   36 Month Term*
Motorcycle
Group A
Group B
740 +
6.00
7.00
8.00
 740 +
6.10
7.10
8.10
739-720
6.25
7.25
8.25
 739-720
6.35
7.35
8.35
719-670
6.75
7.75
8.75
 719-670
6.85
7.85
8.85
669-620
10.25
11.25
12.25
 669-620
10.35
11.35
12.35
Below 619
15.75
16.75
17.75
 Below 619
15.85
16.85
17.85
48 Month Term*
Motorcycle
Group A
Group B
 60 Month Term*
Motorcycle
Group A
Group B
740 +
6.30
7.30
8.30
 740 +
6.40
7.40
8.40
739-720
6.55
7.55
8.55
 739-720
6.65
7.65
8.65
719-670
7.05
8.05
9.05
 719-670
7.15
8.15
9.15
669-620
10.55
11.55
12.55
 669-620
10.65
11.65
12.65
Below 619
16.05
17.05
18.00
 Below 619
16.15
17.15
18.00
72 Month Term*
Motorcycle
Group A
Group B
 84 Month Term*
Motorcycle
Group A
Group B
740 +
6.99
7.99
8.99
 740 +
7.99
8.99
9.89
739-720
7.24
8.24
9.24
 739-720
8.24
9.24
10.14
719-670
7.74
8.74
9.74
 719-670
8.74
9.74
10.64
669-620
11.24
12.24
13.24
 669-620
12.24
13.24
14.14
Below 619
16.74
17.74
18.00
 Below 619
17.74
18.00
18.00

*All rates shown are Annual Percentage Rate (APR). Rate shown is lowest available. Rates are subject to change without notice.
Deduct .10% with a Tax Saver Loan. Must be a homeowner to qualify. Consult with your tax advisor for tax deductibility.
72 and 84 month terms are available only for loan amounts over $20,000.
Group A = Street Legal and Group B = Not Street Legal.

Home Loans
Fixed Rate Home Equity Loans
Add 1% to listed rate for 81-90% LTV
Add 2% for 91-95%
Add 3% for 95-100% (Loan Under $20k or Less Than 5yrs Only)
5 Year*
10 Year*
15 Year*
740 +
3.85%
4.65%
5.60%
739-720
4.35%
5.10%
6.10%
719-670
4.85%
5.60%
6.60%
669-620
8.85%
9.60%
10.60%
Below 619
12.85%
13.60%
14.60%
Home Equity Variable Line of Credit
Add 1% to listed rate for 81-90% LTV
Add 2% for 91-95%
Add 3% for 95-100% (Loan Under $20k or Less Than 5yrs Only)
Rate*
740 +
3.75%
739-720
4.25%
719-670
4.75%
669-620
8.25%
Below 619
12.75%

Variable rate may be adjusted once per quarter
0.25% change in index ~ NO change in rate
Maximum increase/decrease per quarter is 0.5%, per year is 2%
8-year draw period with a 10-year payback
Mini-Mortgage
1st Mortgage less than 150K and LTV 50% or less.
5 Year*
7 Year*
10 Year*
740 +
3.25%
4.00%
4.50%
739-720
3.50%
4.25%
4.75%
719-670
4.00%
4.75%
5.00%
669-620
7.50%
8.00%
8.50%
Below 619
12.00%
13.00%
13.50%
Home Improvement Loan
Up to 15 Years
Rate*
740+
10.00%
739-720
11.00%
719-670
12.00%
669-620
13.00%
Below 619
14.00%

-Maximum loan $17,500
Equity is NOT required
See loan Officer for details
CC, UN & Sec Loan & Overdraft
Credit Cards
 
Visa Platinum Credit Card*
740 +
9.90%
739-720
10.90%
719-670
12.90%
669-620
15.90%
Below 619
17.90%
Unsecured Loan
 
12 month*
24 month*
36 month*
740 +
12.75%
13.75%
14.75%
739-720
13.00%
14.00%
15.00%
719-670
13.50%
14.50%
15.50%
669-620
15.00%
16.00%
17.00%
Below 619
18.00%
18.00%
18.00%
Secured Loan
Type
Rate
Term
Savings Secured
Rate is 3% over shares
Limit of a 5-year term
Certificate Secured
Rate is 2% over certificate rate
Loan term is equal to certificate maturity
Overdraft Protection

18.00%*

Qwik Loan
28.00%*

$20.00 Application Fee for all applicants
1-6 month term
Max Loan Amount of $1000.00

*All rates shown are Annual Percentage Rate (APR). Rate shown is lowest available. Rates are subject to change without notice.

Credit Cards

Rates last updated October 5th, 2011 ______________________________________Printer Friendly

Visa Platinum Credit Card- Fixed Rate
17.9%*

Below 619
15.9%*
669-620
12.9%*
719-670
10.9%*
739-720
9.9%*
740+
*All rates displayed are Annual Percent Rate (APR). Interest rates and terms provided above are only estimates. Best Rate may vary based on personal credit history and will be provided by Members Federal Credit Union upon approval of a completed loan application. Rates are subject to change without notice.

Fee Schedule

Fees last updated November 1st, 2011______________________________________Printer Friendly

Membership
Membership Fee
$5.00
Youth Account (Superheroes Savings Club)
FREE
Checking
Advantage Checking Accounts
FREE
Overdraft Courtesy Transfer
FREE
Non-Sufficient Funds (personal acct)
$27.00
Non-Sufficient Funds (business acct)
$27.00
Return Deposited Item (personal)
$27.00
Return Deposited Item (business)
$27.00
Stop Payment
$27.00
Check Copy (personal)
$2.00
Check Copy (CU check)
$5.00
Check Orders
Varies
Self to Self RDI
$30.00
Temporary Checks (first 10 free w/order)
$.50 each
Account Reconciliation/Balancing
$25.00/hr
Auto/RV Loans
Refinance
Higher of 1% or $200.00
Colorado Auto Title and Filing
$25.00
GAP Insurance

$325.00

Tax Saver Loan Filing
$103.00
Uniform Commercial Code Filing
$28.80
Coupon Book
$10.00
Subsequent Action (one per loan/addtl)
FREE/$25.00
Late Fee (Over 10 days past due)
$25.00
Life, Disability and Unemployment Debt Protection
Varies
Duplicate Titles
$10.00
Mortgage and Equity Loans
Refinance
Higher of 1% or $200.00
Title Insurance
Determined by Issuer
Verification of Deposit
FREE
Appraisal (if required)
Cost
Home Equity Fixed Filing
Varies
Home Equity Variable Filing
Varies
Late Fee
$25.00
Subordination Fee
$150.00
Life, Disability and Unemployment Debt Protection
Varies
VISA Credit Card / VISA Debit Card
VISA Credit Card
FREE
VISA Debit Card
FREE
VISA Credit Card Fraud Alert
FREE
PIN Select (in person)
FREE
Reissue PIN (mailer)
$1.00
ATM Withdraw (first 10 a month/thereafter)
FREE/$2.00
Card Replacement
$12.00
Emergency Card
Cost
Photocopy of Sales Draft
$5.00
Late Fee (Credit Card over 10 days past due)
$25.00
Visa C.C. Life, Disability and Unemployment Debt Protection
Varies
Safe Deposit Box
Annual Rent for Various Sizes
5" x 5"
$40.00
3" x 10"
$50.00
5" x 10"
$60.00
3" x 5"
$35.00
Late Payment (over 30 days)
$5.00
Drilling (abandoned box, etc)
Cost
Lost Key
$35.00
Funds Transfer Fees
Virtual Branch Account to Account
FREE
CheckFree ZashPay
$0.50
Fast Cash
$8.00
Western Union
$25.00
Bank Wire (outgoing)
$20.00
Bank Wire (incoming)
$7.00
Bank Wire (international)
$40.00
Additional Services
Virtual Branch Online Banking
FREE
Online Bill Pay
FREE
Telephone Teller (automated transaction information)
FREE
Money Orders ($1,000 maximum)
$2.00
CU Draft (first two a month/thereafter)
FREE/$5.00
VISA Gift Card
$2.50
Coin Counting up to $100
FREE
Coin Counting ($100 to $199)
$5.00
Coin Counting (per $100 over $199)
$1.00
Cash Advance (Non-MFCU card)
$35.00
Notary Service (Member only)
FREE
Signature Guarantee (member only)
FREE
Overnight Document
Higher of $20 or cost
Foreign Item Collection
$20.00
Check Exchange (Non-Member)
$10.00
Member Check Cash - Balance <$100 & No Loans
$10.00
Non-Member Check Cash (On Us Item)
$10.00
Account Research (one hour minimum)
$25.00/hr
Fax/Photocopy Fee (member only)
$1.00 per page
Cash Advance Non-MFCU Card
$25.00
Shared Branch Deposit (first six a month/thereafter)
FREE/$2.00
Shared Branch Withdrawal (first six a month/thereafter)
FREE/$2.00
Qwik Loan Application
$20.00
Phone Transaction Fee (when self-service options not used)
$2.00
Account Maintenance
Early Christmas Club Withdrawal (greater)
Dividends/$25.00
Early Certificate Withdrawal
Varies on Term
Account Closure (within six months)
$15.00
Bad Address/Postal Address Correction
$5.00/mth
Statement Copies (current qtr/prior qtr)
$2.00/$10.00
Garnishment Service
$50.00
Account Maintenance Fee (after one year)
$5.00/mth
Reopen Savings Account
$10.00
Money Market Withdrawal (over three/mth)
$27.00
ATM Deposit Correction / Empty Envelope
$5.00
Reg D Violation
$5.00