|
Savings
|
Minimum Balance
|
Dividend
Rate
|
APY*
|
Dividend
Paid
|
|
Regular Share Savings
|
$10
|
.20%
|
.20%*
|
Qtrly
|
|
Special Savings
|
$100
|
.20%
|
.20%*
|
Qtrly
|
|
Checking Accounts
|
N/A
|
.00%
|
.00%*
|
---
|
|
Individual Retirement Account (IRA)
|
$250
|
.50%
|
.50%*
|
Qtrly
|
|
IRA Rollover
|
N/A
|
.50%
|
.50%*
|
Qtrly
|
|
Christmas Club
|
N/A
|
.20%
|
.20%*
|
Mo
|
|
Vacation Club
|
$100
|
.20%
|
.20%*
|
Qtrly
|
|
Money Management Accounts
|
Minimum Balance
|
Dividend
Rate
|
APY*
|
Dividend
Paid
|
|
$0.01 to $2,499.99
|
$0.01
|
.10%
|
.10%*
|
Mo
|
|
$2,500 to $4,999.99
|
$2,500
|
.20%
|
.20%*
|
Mo
|
|
$5,000 to $24,999.99
|
$5,000
|
.25%
|
.25%*
|
Mo
|
|
$25,000 to $49,999.99
|
$25,000
|
.30%
|
.30%*
|
Mo
|
|
$50,000 to $149,999.99
|
$50,000
|
.30%
|
.30%*
|
Mo
|
|
$150,000.00 and up
|
$150,000
|
.35%
|
.35%*
|
Mo
|
|
Certificates of Deposit
|
Minimum Balance
|
Dividend
Rate
|
APY*
|
Interest Paid
|
|
One Year (Youth)
|
$100
|
.40%
|
.40%*
|
Mo
|
|
Six Month
|
$500
|
.40%
|
.40%*
|
Mo
|
|
One Year
|
$500
|
.65%
|
.65%*
|
Mo
|
|
Two Year
|
$500
|
.99%
|
1.00%*
|
Mo
|
|
Three Year
|
$500
|
1.24%
|
1.25%*
|
Mo
|
|
Four Year
|
$500
|
1.39%
|
1.40%*
|
Mo
|
|
Five Year
|
$500
|
1.79%
|
1.80%*
|
Mo
|
|
Save to Win
|
$25
|
.40%
|
.40%*
|
|
|
Jumbo Certificates of Deposit
|
Minimum Balance
|
Interest Rate
|
APY*
|
Interest Paid
|
|
Six Month
|
$100,000
|
.40%
|
.40%*
|
Mo
|
|
One Year
|
$100,000
|
.65%
|
.65%*
|
Mo
|
|
Two Year
|
$100,000
|
.99%
|
1.00%*
|
Mo
|
|
Three Year
|
$100,000
|
1.24%
|
1.25%*
|
Mo
|
|
Four Year
|
$100,000
|
1.39%
|
1.40%*
|
Mo
|
|
Five Year
|
$100,000
|
1.79%
|
1.80%*
|
Mo
|
|
*APY = Annual Percentage Yield. Penalty for early withdrawl for Certificates of Deposit. Rates as of 5/24/12.
|
|
Loans - New or Used Vehicle
|
Term
|
APR*
|
|
Auto Loan
|
Up to 36 months
|
1.99%*
|
Apply
|
|
Auto Loan
|
Up to 48 months
|
2.24%*
|
Apply
|
| Auto Loan |
Up to 60 months
|
2.49%*
|
Apply
|
|
Auto Loan (over $15,000)
|
Up to 72 months
|
2.99%*
|
Apply
|
|
Auto Loan (over $35,000)
|
84 months and over
|
3.74%*
|
Apply
|
| Used Auto (2009) |
Up to 60 months
|
2.99%*
|
Apply
|
|
Used Auto (2009) (over $15,000)
|
Up to 72 months
|
3.99%*
|
Apply
|
|
Used Auto (2007 to 2008)
|
Up to 60 months
|
3.99%*
|
Apply
|
|
Used Auto (2006 and older)
|
Up to 60 months
|
4.99%*
|
Apply
|
|
RV, Motorcycle, Jet Skis, Snowmobiles, ATV
|
Term
|
APR*
|
|
Fixed
|
Up to 60 months fixed
|
3.75%*
|
Apply
|
|
Fixed
|
Up to 72 months fixed
|
4.25%*
|
Apply
|
|
Fixed over $10,000
|
Up to 84 months fixed
|
4.74%*
|
Apply
|
|
Boats, Campers and Motor Homes
|
Term
|
APR*
|
|
|
Fixed under $25,000
|
Up to 84 months fixed
|
4.75%*
|
Apply
|
|
Fixed $25,000 to $49,999
|
Up to 120 months fixed
|
5.75%*
|
Apply
|
|
Fixed $50,000 and over
|
Up to 180 months fixed
|
6.75%*
|
Apply
|
|
Recreational Vehicle
|
85 to 120 over $15K ARM
|
7.24%*
|
Apply
|
|
Recreational Vehicle
|
120 to 180 over $25K ARM
|
7.49%*
|
Apply
|
|
Recreational Vehicle
|
181 to 240 over $50K ARM
|
7.99%*
|
Apply
|
|
Signature Loans
|
Term
|
APR*
|
|
Minimum loan - $300; Total aggregate of $15K unsecured
|
Up to 60 months
|
10.74%*
|
Apply
|
|
Mobile Homes
|
Term
|
APR*
|
|
New Homes - 10% down payment required
|
Up to 180 months
|
8.00%*
|
Apply
|
|
Used Homes - 20% down payment required
|
Max 15 yrs above home's age
|
9.00%*
|
Apply
|
|
Share Secured
|
Term
|
APR*
|
|
Secured by Credit Union Shares
|
Variable
|
3%* above Savings
|
Apply
|
|
Secured by Certificate of Deposit
|
Variable
|
3% *above CD
|
Apply
|
|
Revolving Credit
|
Term
|
APR*
|
|
Line of Credit
|
Open
|
12.90%*
|
Apply
|
|
VISA Platinum
|
Open
|
9.50%*
|
Apply
|
|
VISA Classic
|
Open
|
12.90%*
|
Apply
|
|
Fixed Rate Mortgages
|
Points
|
APR*
As Low As
|
|
10 Year Fixed Rate Mortgage
|
0
|
2.875%
|
|
10 Year Fixed Rate Mortgage
|
1
|
2.675%
|
|
10 Year Fixed Rate Mortgage
|
2
|
2.375%
|
| 15 Year Fixed Rate Mortgage |
0
|
3.000%
|
| 15 Year Fixed Rate Mortgage |
1
|
2.750%
|
| 15 Year Fixed Rate Mortgage |
2
|
2.500%
|
| 20 Year Fixed Rate Mortgage |
0
|
3.500%
|
| 20 Year Fixed Rate Mortgage |
1
|
3.250%
|
| 20 Year Fixed Rate Mortgage |
2
|
3.000%
|
|
30 Year Fixed Rate Mortgage
|
0
|
3.875%
|
| 30 Year Fixed Rate Mortgage |
1
|
3.625%
|
|
30 Year Fixed Rate Mortgage
|
2
|
3.375%
|
|
FHA Mortgages
|
Points
|
|
|
10 Year Fixed Rate Mortgage
|
0
|
Temporarily Unavailable
|
|
15 Year Fixed Rate Mortgage
|
0
|
Temporarily Unavailable
|
|
20 Year Fixed Rate Mortgage
|
0
|
Temporarily Unavailable
|
|
30 Year Fixed Rate Mortgage
|
0
|
Temporarily Unavailable
|
|
VA Mortgages
|
Points
|
APR*
As Low As
|
|
10 Year Fixed Rate Mortgage
|
0
|
3.500%
|
|
10 Year Fixed Rate Mortgage
|
1 |
3.250% |
|
10 Year Fixed Rate Mortgage
|
2 |
3.000% |
|
15 Year Fixed Rate Mortgage
|
0
|
3.625%
|
|
15 Year Fixed Rate Mortgage
|
1 |
3.375% |
|
15 Year Fixed Rate Mortgage
|
2 |
3.125% |
|
20 Year Fixed Rate Mortgage
|
0 |
4.000% |
|
20 Year Fixed Rate Mortgage
|
1 |
3.750% |
|
20 Year Fixed Rate Mortgage
|
2 |
3.500% |
|
30 Year Fixed Rate Mortgage
|
0 |
4.250% |
|
30 Year Fixed Rate Mortgage
|
1 |
4.000% |
|
30 Year Fixed Rate Mortgage
|
2 |
3.750% |
|
Adjustable Rate Mortgages
|
Points
|
APR*
As Low As...
|
|
Call for today's rates - 586-466-7800, option 3
|
|
|
|
MSHDA Loans
|
Points
|
APR*
As Low As...
|
|
|
|
Home Equity Line of Credit
|
Points
|
APR*
As Low As...
|
|
Five Year ARM - 80% LTV (fixed for 60 months)
|
N/A
|
5.250%
|
|
Bridge Loan
|
Points
|
APR*
As Low As...
|
|
Nine Month Bridge Loan
|
N/A
|
7.000%
|
|
Construction Loan
|
Points
|
APR*
As Low As...
|
|
12 Month Construction Loan
|
N/A
|
4.875%
|
|
Construction to Mortgage (5 Year ARM)
|
N/A
|
6.500%
|
|
Construction to Mortgage (12 Months)
|
N/A
|
6.000%
|
|
For today's current mortgage rates, please call us at 586-466-7800, option 3.
**Ask us about our Special Promotions!**
*APR = Annual Percentage Rate. Some loans qualify for a .25 discount based on direct deposit or credit life/disability insurance with CMCCU. Rates are "as low as" and are subject to credit history, terms, and other factors. Rates as of 5/10/13 and are subject to change at any time without notice. Please call 586-466-7800 for current rates.
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