Minuteman Community FCU

Current Consumer Loan Rates

Minuteman Community FCU has the perfect loan for you and will try to match any other offer you receive. Whether you're in the market for a new or used vehicle, a motor home to tour the country or a home equity loan to add on that deck you've been dreaming of, Minuteman Community FCU has the best rates in town. Click one of the links below to view the current loan rates offered by your Minuteman Community FCU.


Personal
Auto
Recreational Vehicles
Home Equity
Share Account
Share Certificates
Regular Money Market Account

TYPE OF LOAN   Terms Premier + Premier Standard Value Rebuilder
      720 - Above 680-719 679-640 639-600 599 - Below
Shares Pledged     Any Term 2.25% over 2.25% over 2.25% over 2.25% over 2.25% over
CD's Pledged   Term of CD 6.00% Floor 6.00% Floor 6.00% Floor 6.00% Floor 6.00% Floor
 

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Personal Loans Pmt-5% of Bal. 24 Months 9.90% 10.90% 11.90% 13.90% 18.00%
Personal Vacation   12 Months 9.90% 10.90% 11.90% 13.90% 18.00%
Personal Christmas 12 Months 10.00% 11.00% 12.00% 15.00% 18.00%
Personal Computers Up to $2,500.00 24 Months 10.00% 10.25% 10.75% 12.75% 14.75%
  Apply Now!
New/Nearly New 2008 - 2010 24 Months 4.50% 4.75% 5.25% 7.25% 9.25%
Autos, Pickups and Vans   36 Months 4.50% 4.75% 5.25% 7.25% 9.25%
    48 Months 5.00% 5.25% 5.75% 7.75% 9.75%
    60 Months 5.00% 5.25% 5.75% 7.75% 9.75%
    72 Months 5.50% 5.75% 6.25% 8.25% 10.25%
  Loans over $25,000 84 Months 6.69% 6.94% 7.44% 9.44% 11.44%
     
Used 2004 - 2007 24 Months 4.90% 5.15% 5.65% 7.65% 9.65%
Autos Pickups and Vans   36 Months 5.20% 5.45% 5.95% 7.95% 9.95%
    48 Months 5.40% 5.65% 6.15% 8.15% 10.15%
    60 Months 5.55% 5.80% 6.30% 8.30% 10.30%
    72 Months 7.00% 7.25% 7.75% 9.75% 11.75%
Loans over $25,000 84 Months 7.29% 7.54% 8.04% 10.04% 12.04%
       
Used 2002 - 2003 24 Months 6.50% 6.75% 7.25% 9.25% 11.25%
Autos Pickups and Vans   36 Months 6.50% 6.75% 7.25% 9.25% 11.25%
    48 Months 6.50% 6.75% 7.25% 9.25% 11.25%
    60 Months 6.75% 7.00% 7.50% 9.50% 11.50%
     
Used 2001 and Older 24 Months 8.75% 9.00% 9.50% 11.50% 13.50%
Autos Pickups and Vans   36 Months 8.75% 9.00% 9.50% 11.50% 13.50%
    48 Months 9.25% 9.50% 10.00% 12.00% 14.00%
     
Classic Cars   48 Months 7.45% 7.70% 8.20% 10.20% 12.20%
      60 Months 7.45% 7.70% 8.20% 10.20% 12.20%
Loan Payment example:  At 6.00% APR (Annual Percentage Rate) for a 60 month term, 0% down, and 30 days to the first payment, monthly payments are calculated at $19.34 per $1,000.00 borrowed. *

* Not all borrowers will qualify for the lowest APR or 0% down.  To find out if you qualify, call MCFCU at (605)-394-2505 OR (605) 394-1772. 
 

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Motor Homes New-6 Years Old            
Travel Trailers TO $2499 36 Months 7.75% 8.00% 8.50% 10.50% 12.50%
Campers $2,500 - $4,999 60 Months 6.75% 7.00% 7.50% 9.50% 11.50%
5th Wheels $5,000 - $9,999 84 Months 5.75% 6.00% 6.50% 8.50% 10.50%
Boats $10,000-$14,999 96 Months 5.99% 6.24% 6.74% 8.74% 10.74%
  $15,000-$24,999 120 Months 7.00% 7.25% 7.75% 9.75% 11.75%
  $25,000+ 144 Months 7.00% 7.25% 7.75% 9.75% 11.75%
   

Apply Now!
Motor Homes Used  
Travel Trailers TO $2499 36 Months 8.15% 8.40% 8.90% 10.90% 12.90%
Campers $2,500 - $4,999 60 Months 7.15% 7.40% 7.90% 9.90% 11.90%
5th Wheels $5,000 - $9,999 84 Months 6.15% 6.40% 6.90% 8.90% 10.90%
Boats $10K - $14,999 96 Months 6.45% 6.70% 7.20% 9.20% 11.20%
  $15K- $24,999 120 Months 7.45% 7.70% 8.20% 10.20% 12.20%
  $25,000+ 144 Months 7.45% 7.70% 8.20% 10.20% 12.20%
       
Balloon Payments  New-6 Years Old    
available for  $5,000 - $9,999 60 Months (84) 5.55% 5.80% 6.30% 8.30% 10.30%
$5,000 and over $10K - $14,999 60 Months (120) 5.55% 5.80% 6.30% 8.30% 10.30%
  $15K- $24,999 60 Months (144) 5.55% 5.80% 6.30% 8.30% 10.30%
  $25,000+ 60 Months (180) 5.55% 5.80% 6.30% 8.30% 10.30%
                 
MINUTEMAN COMMUNITY FEDERAL CREDIT UNION
CONSUMER LOAN RATE SCHEDULE
Truth In Savings:  Rates effective as of January 5, 2010 and subject to change without notice.  (APR = Annual Percentage Rate)  
These rates include a .25% discount discount available to members who have their loan payment made by an automatic payment method!
TYPE OF LOAN   Terms Premier + Premier Standard Value Rebuilder
        720 - Above 680-719 679-640 639-600 599 - Below
                 
All Terrain 2009 - 2010 24 Months 5.95% 6.20% 6.70% 8.70% 10.70%
Snowmobiles   36 Months 5.95% 6.20% 6.70% 8.70% 10.70%
Personal Watercrafts   48 Months 5.95% 6.20% 6.70% 8.70% 10.70%
           

 Apply Now!
 

Used  2005 - 2008

 24 Months 6.75% 7.00% 7.50% 9.50% 11.50%
    36 Months 6.75% 7.00% 7.50% 9.50% 11.50%
    48 Months 6.75% 7.00% 7.50% 9.50% 11.50%
     
  Used  2004 and Older 24 Months 7.90% 8.15% 8.65% 10.65% 12.65%
   
Motorcycles $2,499 24 Months 7.75% 8.00% 8.50% 10.50% 12.50%
NEW AND USED $2,500 - $4,999 36 Months 7.25% 7.50% 8.00% 10.00% 12.00%
  $5,000 - $9,999 48 Months 6.15% 6.40% 6.90% 8.90% 10.90%
  $10K - $14,999 60 Months 5.75% 6.00% 6.50% 8.50% 10.50%
  $15K - $19,999 72 Months 5.95% 6.20% 6.70% 8.70% 10.70%
    $20,000+ 84 Months 6.05% 6.30% 6.80% 8.80% 10.80%
 

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Mobile Homes   72 Months 9.50% 9.75% 10.25% 12.25% 14.25%
Manufactured Homes   96 Months 9.50% 9.75% 10.25% 12.25% 14.25%
      120 Months 12.50% 12.75% 13.25% 15.25% 17.25%
   
Second Mortgages             Apply Now!
Home Equity      0 -   60 Months 5.50% 5.75% 6.25% 8.25% 10.25%
     61-120 Months 5.74% 5.99% 6.49% 8.49% 10.49%
    120-180 Months 6.14% 6.39% 6.89% 8.89% 10.89%
Home Equity Variable as low as 4.00% Up to 20 Years           
             
   
SAVINGS AND INVESTMENT RATES
Truth In Savings:  Rates effective as of January 5, 2010 and subject to change without notice.  (APY = Annual Percentage Yield)  
Share Account   Balance   DIVIDEND RATE APY
    0 - $5000 0.15% 0.15%
    $5,001 - $25,000 0.15% 0.15%
    $25,001 and UP 0.15% 0.15%
               

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Share Certificate -   6 Months 1.25% 1.25%
Share Certificate -   9 Months 1.25% 1.25%
Share Certificate - 12 Months 1.50% 1.50%
Share Certificate - 24 Months 1.60% 1.60%
Share Certificate - 36 Months   1.90% 1.90%
Share Certificate - 48 Months 2.25% 2.25%
Share Certificate - 60 Months - $25,000 and over         2.75% 2.75%

Money Market Accounts

Money Market Invest Accounts
Minimum opening deposit:$0.00  
No minimum daily balance required to earn the stated APY  
                APY
$2,500.00 - $4,999.99   0.25%
$5,000.00 - $24,999.99   0.50%
$25,000.00 - $49,999.99   0.60%
$50,000.00 - $89,999.99     0.80%
$90,000.00 +   0.80%
           

 

PREMIERE - High Yield Money Market Accounts
Minimum opening deposit:$2,500.00  
Minimum monthly balance required of $2,500.00 to avoid monthly service fees  
                APY
0 - $2,499.99   0.25%
$2,500.00 - $4,999.99   0.50%
$5,000.00 - $24,999.99   0.75%
$25,000.00 - $49,999.99   0.80%
$50,000.00 - $89,999.99     1.00%
$90,000.00 +   1.05%
           

Please call or contact the fantastic staff at Minuteman Community FCU for the latest rates.

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Truth In Savings:  Rates effective as of January 5, 2010 and subject to change without notice.  (APR = Annual Percentage Rate). These rates include a .25% discount available to members who have their loan payment made by an automatic payment method! Minuteman Community Federal Credit Union offers a tiered pricing program which allows as many members as possible to obtain financing.  Your individual rate will be determined based on the type and/or age of collateral offered, length of loan and your credit history. 

 
    
  Copyright © 1999-2008 Minuteman Community FCU. Legal Notices

QUESTIONS? CALL US AT 605.394.1772 or 605.394.2505
Minuteman Community Federal Credit Union

Your savings insured to $250,000 by the National Credit Union Administration, an agency of the U.S. Government. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.