MCFCU Lending Rates

/MCFCU Lending Rates
MCFCU Lending Rates 2018-02-01T16:44:02+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 TypeTermFixed APR*
UnsecuredN/AStarting at 8.50%
Commercial & Consumer< 36 monthsStarting at 3.75%
Commercial & Consumer37 – 60 monthsStarting at 4.25%
Commercial & Consumer> 60 monthsStarting at 5.75%

Real Estate Loans

Loan TypeTermAPR*
Variable Rate ARM1 – 5 yearsStarting at 0.50% + prime**
Fixed Rate< 10 yearsStarting at 7.25%
Fixed Rate> 10 yearsStarting at 7.75%

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 February 1, 2018 until further notice.

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