This credit union is federally insured by the National Credit Union Administration.
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.
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.
Follow these easy steps to calculate the monthly payments for any kind of loan.
| Consumer Loans | |||||||
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Rates effective as of February 3, 2012 and subject to change without notice . These rates include a .25% discount discount available to members who have their loan payment made by an automatic payment method! APR - Annual Percentage Rate |
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| Type of Loan | Conditions | Terms | |||||
| Credit Score | 720 - Above | 680-719 | 679-640 | 639-600 | 599 - Below | ||
| APR | APR | APR | APR | APR | |||
| Personal Loans | Pmt - 5% of Bal. | 24 Months | 9.50% | 11.40% | 12.40% | 14.40% | 18.00% |
| Short Term-Small Amount Loans | Term - 1-6 Months | Not To Exceed 6 Mo | 20.00% | 21.00% | 22.00% | 23.00% | 28.00% |
| Personal Vacation | 12 Months | 10.00% | 11.00% | 12.00% | 15.00% | 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 | 10.50% | 10.75% | 11.25% | 13.25% | 15.25% |
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New/Nearly New Autos, Pickups and Vans |
2010 - 2012 | 24 Months | 2.00% | 2.25% | 2.75% | 4.75% | 6.75% |
| 36 Months | 2.30% | 2.55% | 3.05% | 5.05% | 7.05% | ||
| 48 Months | 2.40% | 2.65% | 3.15% | 5.15% | 7.15% | ||
| 60 Months | 2.50% | 2.75% | 3.25% | 5.25% | 7.25% | ||
| 72 Months | 3.00% | 3.25% | 3.75% | 5.75% | 7.75% | ||
| Loans over $25,000 | 84 Months | 4.50% | 4.75% | 5.25% | 7.25% | 9.25% | |
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Used Autos Pickups and Vans |
2006 - 2009 | 24 Months | 2.30% | 2.55% | 3.05% | 5.05% | 7.05% |
| 36 Months | 2.50% | 2.75% | 3.25% | 5.25% | 7.25% | ||
| 48 Months | 2.60% | 2.85% | 3.35% | 5.35% | 7.35% | ||
| 60 Months | 2.75% | 3.00% | 3.50% | 5.50% | 7.50% | ||
| 72 Months | 3.25% | 3.50% | 4.00% | 6.00% | 8.00% | ||
| Loans over $25,000 | 84 Months | 5.00% | 5.25% | 5.75% | 7.75% | 9.75% | |
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Used Autos Pickups and Vans |
2004 - 2005 | 24 Months | 2.40% | 2.65% | 3.15% | 5.15% | 7.15% |
| 36 Months | 2.50% | 2.75% | 3.25% | 5.25% | 7.25% | ||
| 48 Months | 2.50% | 2.75% | 3.25% | 5.25% | 7.25% | ||
| 60 Months | 2.60% | 2.85% | 3.35% | 5.35% | 7.35% | ||
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Used Autos Pickups and Vans |
2003 and Older | 24 Months | 6.00% | 6.25% | 6.75% | 8.75% | 10.75% |
| 36 Months | 6.50% | 6.75% | 7.25% | 9.25% | 11.25% | ||
| 48 Months | 7.00% | 7.25% | 7.75% | 9.75% | 11.75% | ||
| Classic Cars | 48 Months | 6.50% | 6.75% | 7.75% | 9.25% | 11.25% | |
| 60 Months | 6.50% | 6.75% | 7.75% | 9.25% | 11.25% | ||
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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 | 4.00% | 4.25% | 4.75% | 6.75% | 8.75% |
| Campers | $2,500 - $4,999 | 60 Months | 4.00% | 4.25% | 4.75% | 6.75% | 8.75% |
| 5th Wheels | $5,000 - $9,999 | 84 Months | 4.50% | 4.75% | 5.25% | 7.25% | 9.25% |
| Boats | $10,000 - $14,999 | 96 Months | 4.75% | 5.00% | 5.50% | 7.50% | 9.50% |
| $15,000 - $24,999 | 120 Months | 5.75% | 6.00% | 6.50% | 8.50% | 10.50% | |
| $25,000+ | 144 Months | 5.75% | 6.00% | 6.50% | 8.50% | 10.50% | |
| Motor Homes | Used | ||||||
| Travel Trailers | To $2499 | 36 Months | 4.00% | 4.25% | 4.75% | 6.75% | 8.75% |
| Campers | $2,500 - $4,999 | 60 Months | 4.00% | 4.25% | 4.75% | 6.75% | 8.75% |
| $5,000 - $9,999 | 84 Months | 4.50% | 4.75% | 5.25% | 7.25% | 9.25% | |
| Boats | $10K - $14,999 | 96 Months | 4.75% | 5.00% | 5.50% | 7.50% | 9.50% |
| $15K - $24,999 | 120 Months | 5.75% | 6.00% | 6.50% | 8.50% | 10.50% | |
| $25,000+ | 144 Months | 5.75% | 6.00% | 6.50% | 8.50% | 10.50% | |
| Balloon Payments $5,000 and over | New-6 Years Old | ||||||
| $5,000 - $9,999 | 60 Months (84) | 4.50% | 4.75% | 5.25% | 7.25% | 9.25% | |
| $10K - $14,999 | 60 Months (120) | 3.75% | 4.00% | 4.50% | 6.50% | 8.50% | |
| $15 K - $24,999 | 60 Months (144) | 5.25% | 5.50% | 6.00% | 8.00% | 10.00% | |
| $25,000+ | 60 Months (180) | 5.25% | 5.50% | 6.00% | 8.00% | 10.00% | |
| All Terrain | 2010 - 2011 | 24 Months | 1.99% | 2.24% | 2.74% | 4.74% | 6.74% |
| Snowmobiles | 36 Months | 1.99% | 2.24% | 2.74% | 4.74% | 6.74% | |
| Personal Watercrafts | 48 Months | 1.99% | 2.24% | 2.74% | 4.74% | 6.74% | |
| Used 2006 - 2009 | 24 Months | 2.25% | 2.50% | 3.00% | 5.00% | 7.00% | |
| 36 Months | 2.25% | 2.50% | 3.00% | 5.00% | 7.00% | ||
| 48 Months | 2.25% | 2.50% | 3.00% | 5.00% | 7.00% | ||
| Used 2005 and Older | 24 Months | 2.50% | 2.75% | 3.25% | 5.25% | 7.25% | |
| Motorcycles-NEW AND USED | |||||||
| $2,499 | 24 Months | 1.99% | 2.24% | 2.74% | 4.74% | 6.74% | |
| $2,500 - $4,999 | 36 Months | 2.25% | 2.50% | 3.00% | 5.00% | 7.00% | |
| $5,000 - $9,999 | 48 Months | 2.50% | 2.75% | 3.25% | 5.25% | 7.25% | |
| $10K - $14,999 | 60 Months | 2.75% | 3.00% | 3.50% | 5.50% | 7.50% | |
| $15K - $19,999 | 72 Months | 3.50% | 3.75% | 4.25% | 6.25% | 8.25% | |
| $20,000+ | 84 Months | 4.75% | 5.00% | 5.50% | 7.50% | 9.50% | |
This credit union is federally insured by the National Credit Union Administration.