MAFCU Loan Rates

Car Loans | Personal Loans | Boat Loans
Credit Cards | Fixed-Rate Mortgages | ARM Mortgages
2nd Mortgages | Home Equity Loans | Student Loans

Autos - New Car

Rate Estimated Monthly Payment Term  
as low as 4.50% APR* As low as $29.75 per $1000 for 36 months** up to 36 mos. 0% down - 105%
LTV up to 100,000
as low as 4.75% APR* As low as $18.76 per $1000 for 60 months** 37 to 60 mos. 0% down - 105%
LTV up to 100,000
as low as 5.00% APR* As low as $16.10 per $1000 for 72 months** 61 to 72 mos. 0% down - 105%
LTV up to 100,000
as low as 5.25% APR* As low as $14.25 per $1000 for 84 months** 73 to 84 mos. 0% down - 105%
LTV up to 100,000

Autos - Used Car

Rate Estimated Monthly Payment Term  
as low as 4.50% APR* As low as $29.75 per $1000 for 36 months* up to 36 mos. 0% down - 100%
LTV up to 100,000
as low as 4.75% APR* As low as $18.76 per $1000 for 60 months* 37 to 60 mos. 0% down - 100%
LTV up to 100,000

*Annual Percentage Rates are determined by your personal credit history and reflect MAFCU Relationship Pricing discounts for active MAFCU checking account, direct deposit of entire net paycheck to MAFCU accounts and a current MAFCU loan or MAFCU Visa. Rates quoted are for members with the best credit score. Other rates are available.
**We will finance up to 5 years for vehicles that are 1-4 years old; 4 years for vehicles that are 5-6 years old; 3 years for vehicles that are 7 years old; and 2 years for vehicles that are 8-9 years old. .25% reduction in rates for Hybrid Vehicles.

Consumer/Personal Loans

Rate Estimated Monthly Payment Term  
As low as 9.50% APR* As low as 87.57 per $1000 for 12 Months* 1 yr up to $25,000
As low as 10.50% APR* As low as $46.26 per $1000 for 24 months* 2 yrs up to $25,000
As low as 11.50% APR* As low as $32.86 per $1000 for 36 Months* 3 yrs up to $25,000
As low as 12.50% APR* As low as $26.46 per $1000 for 48 Months* 4 yrs up to $25,000
As low as 13.50% APR* As low as $22.88 per $1000 for 60 Months* 5 yrs up to $25,000

Boat Loan Rates - New and Used

  Rate Term
New 7.49% APR* 4 years
Used 8.34% APR* 5-7 years

*Annual Percentage Rates are determined by your personal credit history. Rates quoted are for members with the best credit score. Other rates are available.

MAFCU VISA Credit Cards

Type Rate Term
VISA Platinum 9.90% APR* Revolving/No annual fee
VISA Classic 12.90% APR* Revolving/No annual fee
VISA Secured 13.99% APR* Revolving/No annual fee
VISA Student 13.99% APR* Revolving/No annual fee

Jumbo Adjustable Rate Mortgages

Rate Points APR Payment Term
5/1 4.500% 0 4.500% $5.07 per $1000/Mo.  
7/1 5.250% 0 5.250% $5.52 per $1000/Mo.  
10/1 6.000% 0 6.000% $6.00 per $1000/Mo  

Conforming Fixed Rate Mortgages

Rate Points APR Payment Term
N/A 0 N/A per $1000/Mo 40 Year Fixed
Owner Occup.-loans
$50,000 to $417,000
95% LTV purchases
N/A 1 N/A per $1000/Mo 40 Year Fixed
Owner Occup.-loans
$50,000 to $417,000
95% LTV purchases
N/A 2 N/A per $1000/Mo 40 Year Fixed
Owner Occup.-loans
$50,000 to $417,000
95% LTV purchases
5.250% 0 5.363 $5.52 per $1000/Mo 30 Year Fixed
Owner Occup.-loans
$50,000 to $417,000
95% LTV purchases
5.125% 0.5 5.361 $5.44 per $1000/Mo 30 Year Fixed
Owner Occup.-loans
$50,000 to $417,000
95% LTV purchases
5.000% 1 5.359 $5.37 per $1000/Mo 30 Year Fixed
Owner Occup.-loans
$50,000 to $417,000
95% LTV purchases
4.875% 1.25 5.212 $5.29 per $1000/Mo 30 Year Fixed
Owner Occup.-loans
$50,000 to $417,000
95% LTV purchases
4.875% 2 5.24 $5.29 per $1000/Mo 30 Year Fixed
Owner Occup.-loans
$50,000 to $417,000
95% LTV purchases
4.500% 0 4.688 $7.65 per $1000/Mo 15 Year Fixed
80% LTV Cash Out Refinancing
4.375%
 0.5 4.639 $7.59 per $1000/Mo 15 Year Fixed
80% LTV Cash Out Refinancing
4.375% 1 4.716 $7.59 per $1000/Mo 15 Year Fixed
80% LTV Cash Out Refinancing
4.25% 1.25 4.628 $7.52 per $1000/Mo 15 Year Fixed
80% LTV Cash Out Refinancing
4.25% 2 4.745 $7.52 per $1000/Mo 15 Year Fixed
80% LTV Cash Out Refinancing

FNMA Jumbo First Mortgages

Rate Points APR Payment Term
N/A 0 N/A per $1000/Mo 30 Year Jumbo Fixed
Owner Occup.-loans
$417,000 to $700,000
N/A 1 N/A per $1000/Mo 30 Year Jumbo Fixed
Owner Occup.-loans
$417,000 to $700,000
N/A 2 N/A per $1000/Mo 30 Year Jumbo Fixed
Owner Occup.-loans
$417,000 to $700,000
N/A 0 N/A per $1000/Mo 15 Year Jumbo Fixed
N/A 1 N/A per $1000/Mo 15 Year Jumbo Fixed
N/A 2 N/A per $1000/Mo 15 Year Jumbo Fixed

Other programs available. Rates are subject to change. Level Pricing also available.

Home Equity Loans (maximum amount $225,000)

Rate Payment Term
5.500% APR $19.10 per $1,000/Mo. 5 yrs
6.000% APR $11.10 per $1,000/Mo. 10 yrs
6.25% APR $8.57 per $1,000/Mo. 15 yrs

Home equity loans and lines may have tax benefits. Please consult your tax advisor for details,

Home Equity Lines of Credit (HELOC)

Type Rate
Variable 3.99% A.P.R.
Fixed Rate 8.5% A.P.R.

***SPECIAL RATE FOR 80% CLTV 6.49% FIXED HELOC***

Student Loans

July 1, 2008 through June 30, 2009 Borrower Rate Rate Cap
Federal Stafford Loans 6.80% 6.80%
Loans made on or after July 1, 1998 (in-school, grace, or deferment) 3.61% 8.50%
Loans made on or after July 1, 1998: (repayment) 4.21% 8.25%
Federal PLUS Loans (Parental Loan for Undergraduate Students) 8.50% 8.50%
Loans made on or after July 1, 1998 5.01% 9.00%

Conforming Adjustable Rate Mortgages

Rate Points APR Payment Term
5/1 4.750% 0   $5.22 per $1000/Mo Based Upon $200,000 Mortgage:
SFR; O/O; 30 Day Lock.
APR includes Points Only.
7/1 5.375% 0   $5.60 per $1000/Mo Based Upon $200,000 Mortgage:
SFR; O/O; 30 Day Lock.
APR includes Points Only.

RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE

Dividend Rates

 Checking / Saving  |  Money Market / Holiday Club / Vacation Club/Back-to-School  |  Term Certificate  |  IRA   

Checking/Savings

Account Type Dividend Rate APY Minimum Balance
Savings 0.20% 0.20% minimum balance $25 - compounding daily
Checking 0.00% 0.00% no minimum balance - compounding daily
Value Plan* 0.00% 0.00% no minimum balance
Value Plan Plus** 0.20% 0.20% $1,000 - $1,999 balance - compounding daily
  0.40% 0.40% $2,000 and above - compounding daily

APY=Annual Percentage Yield
*$5 monthly maintenance fee without Direct Deposit or Payroll Deduction
**$6 monthly fee on balances below $1,000 + no dividend earned for that period

Money Market/Club Accounts

Account Type Dividend Rate APY Minimum Balance (minimum balance is $1,500 for Money Market Accounts)
Money Market 0.40% 0.40% Balances $1,500-$9,999
Money Market 0.50% 0.50% Balances $10,000-$24,999
Money Market 0.60% 0.60% Balances $25,000-$39,999
Money Market 0.70% 0.70% Balances $40,000-$74,999
Money Market 1.00% 1.00% Balances $75,000 and above
Holiday Club 0.40% 0.40% Funds disbursed in November--no minimum balance
Vacation Club 0.40% 0.40% Funds disbursed in May--no minimum balance
Back-to-School Club 0.40% 0.40% Funds disbursed in August--no minimum balance

APY = Annual Percentage Yield

Term Certificates

Only $500 minimum deposit required.

    Less Than $99,999.99   Greater Than $100,000.00  
Account Type   Rate APY Rate APY
3 months Paid Monthly 0.40% 0.40% 0.50% 0.50%
6 months Paid Monthly 0.50% 0.50% .60% .60%
12 months Paid Monthly 1.10% 1.11% 1.20% 1.21%
18 months Paid Monthly 1.40% 1.41% 1.50% 1.51%
24 months Paid Monthly 1.70% 1.71% 1.80% 1.81%
30 months Paid Monthly 1.90% 1.92% 2.00% 2.02%
36 months Paid Monthly 2.10% 2.12% 2.20% 2.22%
48 months Paid Monthly 2.25% 2.27% 2.35% 2.38%
60 months Paid Monthly 2.75% 2.78% 2.85% 2.89%

APY = Annual Percentage Yield

IRA (Traditional, Roth, Coverdell Education Savings Account**)

Only $500 minimum deposit required.

    Less Than $99,999.99   Greater Than $100,000.00  
Account Type   Rate APY Rate APY
6 months Paid Monthly .60% .60% .70% .70%
12 months Paid Monthly 1.20% 1.21% 1.30% 1.31%
18 months Paid Monthly 1.50% 1.51% 1.50% 1.51%
24 months Paid Monthly 1.80% 1.81% 1.90% 1.92%
30 months Paid Monthly 2.00% 2.02% 2.10% 2.12%
36 months Paid Monthly 2.20% 2.22% 2.30% 2.32%
48 months Paid Monthly 2.35% 2.38% 2.45% 2.48%
60 months Paid Monthly 2.85% 2.89% 2.95% 2.99%
Share IRA Paid Monthly 0.40% 0.40% 0.40% 0.40%
Roth IRA Paid Monthly 0.40% 0.40% 0.40% 0.40%

APY = Annual Percentage Yield


**2 1/2 yr term not available for Education IRAs.

All dividend and interest rates are subject to change without notice.