Rates for Morgan County
Loan Products
Rates effective as of March 19, 2019
Fixed Home Equity Loan
| Rate Description | APR |
| 60 months | As low as 3.25% |
| 84 months | As low as 3.50% |
| 120 months | As low as 3.75% |
| 180 months | As low as 4.25% |
*Certain Restrictions Apply
Home Equity Line of Credit Promotion
| Rate Description | APR |
| LTV<80% | As low as 1.99% |
| LTV>80% | As low as 2.74% |
Free Closing Costs*
Rate fixed until 06/30/2019
*Certain Restrictions Apply
Auto Loans
| Rate Description | APR |
| 2016 & newer: 0-36 months | As low as 1.75% |
| 2016 & newer: 37-48 months | As low as 1.75% |
| 2016 & newer: 49-60 months | As low as 2.25% |
| 2016 & newer: 61-72 months | As low as 3.00% |
| 2016 & newer: 73-84 months | As low as 3.50% |
| 2011-2015: 0-36 months | As low as 2.50% |
| 2011-2015: 37-48 months | As low as 2.50% |
| 2011-2015: 49-60 months | As low as 3.25% |
| 2011-2015: 61-72 months | As low as 4.00% |
| 2011-2015: 73-84 months | As low as 4.75% |
| 2007-2010: 0-36 months | As low as 3.75% |
| 2007-2010: 37-48 months | As low as 4.75% |
| 2006 & older: 0-48 months | As low as 5.25% |
Other terms & rates available. Please contact us for more information.
GPS Program-Guiding People to Savings
| Rate Description | APR |
| 2016-2019 | As low as 2.75% |
| 2014-2015 | As low as 3.50% |
The GPS Program is an alternative to auto leasing.
Purchases through dealerships only. Private party and business purchases not eligible.
Max LTV-125%
RVs & Motorhomes
| Rate Description | APR |
RVs/Motorhomes-72 months
Minimum Value-$20,000 | Auto Rate + 1.00% |
RVs/Motorhomes-84 Months
Minimum Value-$30,000 | Auto Rate + 1.00% |
Motorcycles
| Rate Description | APR |
New-Up to 72 months
Value must be $20,000+ | 2.00% over Auto Rate |
Used-Up to 60 months
Value must be $12,000+ | 2.00% over Auto Rate |
Motorhomes-New
| Rate Description | APR |
| 0-60 months | As low as 5.00% |
| 61-84 months | As low as 7.00% |
| 85-144 months | As low as 7.75% |
100% maximum LTV
Motorhomes-Used
| Rate Description | APR |
| 0-60 months | As low as 5.25% |
| 61-84 months | As low as 7.50% |
100% maximum LTV
Boats/Travel Trailers
| Rate Description | APR |
New-Up to 72 months
Value must be $20,000+ | 3.00% over Auto Rates |
Used-Up to 60 months
Value must be $12,000+ | 3.00% over Auto Rates |
ATVs/Snowmobiles/Personal Watercrafts
| Rate Description | APR |
| New-Up to 60 months | 4.00% over Auto Rates |
| Used-Up to 48 months | 4.00% over Auto Rates |
Credit Cards
| Rate Description | APR |
| Visa Classic | 11.50% |
| Visa Platinum | 8.99% |
Deposit Products
Rates effective as of March 19, 2019
Savings Accounts
| Rate Description | APY | Dividend/Interest |
Regular, Business, Club/Secondary & Christmas Club Shares
on balances greater than $100 | 0.10% | 0.100% |
Star Savers/Teen Savers Account
on balances greater than $5 | 0.10% | 0.100% |
Payroll Holiday Accounts
on balances greater than $100 | 1.00% | 0.995% |
IRA Shares
on balances greater than $100 | 0.65% | 0.648% |
Checking Accounts
| Rate Description | APY | Dividend/Interest |
| eFirst Checking - Up to $25,000 | 2.00% | 1.980% |
| eFirst Checking - Balance in excess of $25,000 | 0.10% | 0.100% |
Non-Profit Checking
on balances of $100 and greater | 1.10% | 1.094% |
Thrift Savings Accounts
| Rate Description | APY | Dividend/Interest |
| $100 - $499 | 0.10% | 0.100% |
| $500 - $4,999 | 0.35% | 0.349% |
| $5,000 - $24,999 | 0.65% | 0.648% |
| $25,000 - $74,999 | 1.25% | 1.242% |
| $75,000 - $149,999 | 1.55% | 1.538% |
| $150,000 - $249,999 | 1.85% | 1.833% |
| $250,000 + | 2.10% | 2.087% |
One free withdrawal per quarter.
$25 fee for each additional w/d in same quarter.
Balances below $100 earn 0.00%.
Money Market Deposit Accounts (MMDA)
| Rate Description | APY | Dividend/Interest |
| $100 - $999 | 0.10% | 0.100% |
| $1,000 - $9.999 | 0.20% | 0.200% |
| $10,000 - $24,999 | 0.25% | 0.250% |
| $25,000 - $49,000 | 0.35% | 0.349% |
| $50,000 - $99,999 | 0.50% | 0.499% |
| $100,000 - $249,999 | 0.65% | 0.648% |
| $250,000 + | 0.75% | 0.747% |
Three free withdrawals per month.
$10 fee for each additional w/d in same month
Balances that fall below $100, earn 0.00%
Certificates
| Rate Description | APY | Dividend/Interest |
| 91 Days | 0.10% | 0.100% |
| 6 Months | 0.35% | 0.349% |
| 9 Months-Promotional Rate | 2.60% | 2.567% |
| 12 Months | 0.65% | 0.648% |
| 18 Months | 0.75% | 0.747% |
| 21 Months-Promotional Rate | 2.85% | 2.810% |
| 24 Months | 0.90% | 0.896% |
| 36 Months | 1.00% | 0.995% |
| 39 Months-Promotional Rate | 3.00% | 2.956% |
| 48 Months | 1.25% | 1.242% |
| 48 Months (step up) | 1.25% | 1.242% |
| 60 Months-Promotional Rate | 3.05% | 3.005% |
| 72 Months | 1.80% | 1.784% |
IRA Certificates must be at least 12 months.
IRAs are eligible.
$500 minimum balance required.
Early withdrawal penalty applies.
Certificate Specials renew at the non-promotional rate.
Mortgage Products
Rates effective as of March 19, 2019
ARM (Adjustable Rate Mortgage)
| Rate Description | APR |
| 1/1 | As low as 1.49% |
| 3/1 | As low as 3.25% |
| 5/1 | As low as 3.50% |
| 7/1 | As low as 3.75% |
| 10/1 | As low as 3.875% |
Rates are subject to an increase or a decrease after the Initial Fixed Period.
Maximum Loan Amount-$484,350
Loans over $424,100 may be subject to additional criteria and different terms, please check with a Mortgage Specialist for details.
Fixed Mortgages
| Rate Description | APR |
| 15 Year - Fixed Rate | As low as 3.375% |
| 20 Year - Fixed Rate | As low as 3.750% |
| 30 Year - Fixed Rate | As low as 4.000% |
Rates are subject to change daily
Maximum loan amount is $484,350
Rates based on Primary or Secondary Residence/Owner Occupied
Please contact Credit Union for additional program options
All rates subject to change without notice.
APR - Annual Percentage Rate
APY - Annual Percentage Yield
LTV (Loan to Value) = Loan amount divided by appraised value
Fees and/or other conditions could reduce earnings.
