MCFCU Lending Rates

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MCFCU Lending Rates 2016-10-25T14:41:53+00:00
  • Rates are based on a Loan-to-Value of 80% or less.
  • 1.5% added to the loan rate if LTV exceeds 80%
  • 3.0% added to the loan rate if LTV exceeds 100%
  • 80% LTV maximum on all commercial/ag loans

Fixed Rate Loans

Loan Type Term Fixed APR*
Unsecured N/A Starting at 8.50%
Commercial & Consumer < 36 months Starting at 3.50%
Commercial & Consumer 37 – 60 months Starting at 4.00%
Commercial & Consumer > 60 months Starting at 5.50%

Real Estate Loans

Loan Type Term APR*
Variable Rate ARM 1 – 5 years Starting at 0.50% + prime**
Fixed Rate < 10 years Starting at 7.00%
Fixed Rate > 10 years Starting at 7.50%

Variable Rates are available for Real Estate and Ag/Commercial Loans. *APR is Annual Percentage Rate. **Prime is considered to be the published Wall Street Journal rate. Rates listed are effective September 28, 2016 until further notice.

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