Rates

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

APR*
As Low As

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...

Visit http://www.michigan.gov/mshda/0,1607,7-141-5672-173538--,00.html for today's rates and current options.

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.
                                                                                                                                  

 

Your funds are SAFE AND SOUND when you trust Central Macomb Community Credit Union as your financial institution. We are federally insured to at least $250,000 by the National Credit Union Administration. For more information, visit www.ncua.gov or www.lovemycreditunion.org.

 

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