|
Savings
|
Minimum Balance
|
Dividend
Rate
|
APY*
|
Dividend
Paid
|
| Regular Share Savings |
$10
|
0.35%
|
0.35%
|
Qtrly
|
| Special Savings |
$100
|
0.35%
|
0.35%
|
Qtrly
|
| Checking Accounts |
N/A
|
0.00%
|
0.00%
|
---
|
| Individual Retirement Account (IRA) |
$250
|
.99%
|
1.00%
|
Qtrly
|
| IRA Rollover |
N/A
|
.99%
|
1.00%
|
Qtrly
|
| Christmas Club |
N/A
|
0.35%
|
0.35%
|
Mo
|
| Vacation Club |
$100
|
0.35%
|
0.35%
|
Qtrly
|
| Money Management Accounts |
Minimum Balance
|
Dividend
Rate
|
APY*
|
Dividend
Paid
|
| $0.01 to $2,499.99 |
$0.01
|
.35%
|
.35%
|
Mo
|
| $2,500 to $4,999.99 |
$2,500
|
.35%
|
.35%
|
Mo
|
| $5,000 to $24,999.99 |
$5,000
|
.50%
|
.50%
|
Mo
|
| $25,000 to $49,999.99 |
$25,000
|
.75%
|
.75%
|
Mo
|
| $50,000 to $149,999.99 |
$50,000
|
.99%
|
1.00%
|
Mo
|
| $150,000.00 and up |
$150,000
|
1.24%
|
1.25
|
Mo
|
| Certificates of Deposit |
Minimum Balance
|
Dividend
Rate
|
APY*
|
Interest Paid
|
| One Year (Youth) |
$100
|
1.24%
|
1.25%
|
Mo
|
| Six Month |
$500
|
.99%
|
1.00%
|
Mo
|
| One Year |
$500
|
1.49%
|
1.50%
|
Mo
|
| Two Year |
$500
|
1.74%
|
1.75%
|
Mo
|
| Three Year |
$500
|
1.98%
|
2.00%
|
Mo
|
| Four Year |
$500
|
2.23%
|
2.25%
|
Mo
|
| Five Year |
$500
|
2.47%
|
2.50%
|
Mo
|
| Jumbo Certificates of Deposit |
Minimum Balance
|
Interest Rate
|
APY*
|
Interest Paid
|
| Six Month |
$100,000
|
1.24%
|
1.25%
|
Mo
|
| One Year |
$100,000
|
1.74%
|
1.75%
|
Mo
|
| Two Year |
$100,000
|
1.98%
|
2.00%
|
Mo
|
| Three Year |
$100,000
|
2.23%
|
2.25%
|
Mo
|
| Four Year |
$100,000
|
2.47%
|
2.50%
|
Mo
|
| Five Year |
$100,000
|
2.72%
|
2.75%
|
Mo
|
| *APY = Annual Percentage Yield. Penalty for early withdrawl for Certificates of Deposit. Rates as of 08/31/09. |
| Loans - New or Used Vehicle |
Term
|
APR*
As Low As
|
| Auto Loan |
Up to 60 months
|
3.99%
|
Apply
|
| Auto Loan (over $15,000) |
Up to 72 months
|
4.24%
|
Apply
|
| Auto Loan (over $35,000) |
84 months and over
|
6.00%
|
Apply
|
| Used Auto (2002 to 2005) |
Up to 60 months
|
3.99%
|
Apply
|
| Used Auto (2001 and older) |
Up to 48 months
|
4.99%
|
Apply
|
| RV, Motorcycle, Boats, Jet Skis, Snowmobiles, ATV |
Term
|
APR*
As Low As
|
| Recreational Vehicle |
Up to 84 months fixed
|
6.50%
|
Apply
|
| Recreational Vehicle |
85 to 144 over $15K ARM
|
6.25%
|
Apply
|
| Recreational Vehicle |
145 to 180 over $25K ARM
|
6.50%
|
Apply
|
| Recreational Vehicle |
181 to 240 over $50K ARM
|
7.00%
|
Apply
|
| Signature Loans |
Term
|
APR*
As Low As
|
| Minimum loan - $300; Total aggregate of $15K unsecured |
Up to 60 months
|
10.25%
|
Apply
|
| Mobile Homes |
Term
|
APR*
As Low As
|
| 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*
As Low As
|
| Secured by Credit Union Shares |
12 months
|
5.00%
|
Apply
|
| Secured by Credit Union Shares |
13 to 24 months
|
5.00%
|
Apply
|
| Secured by Credit Union Shares |
25 to 36 months
|
5.00%
|
Apply
|
| Secured by Credit Union Shares |
37+ months
|
5.00%
|
Apply
|
| Secured by Certificate of Deposit |
Variable
|
3% above CD
|
Apply
|
| Revolving Credit |
Term
|
APR*
As Low As
|
| 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 |
.25%
|
4.375%
|
| 15 Year Fixed Rate Mortgage |
.25%
|
4.500%
|
| 20 Year Fixed Rate Mortgage |
.25%
|
5.000%
|
| 30 Year Fixed Rate Mortgage |
.25%
|
5.250%
|
| FHA and VA Mortgages |
Points |
APR*
As Low As
|
| 10 Year Fixed Rate Mortgage |
.25% |
5.250% |
| 15 Year Fixed Rate Mortgage |
.25% |
5.250% |
| 20 Year Fixed Rate Mortgage |
.25% |
5.375% |
| 30 Year Fixed Rate Mortgage |
.25% |
5.500% |
| 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...
|
| Without Downpayment Assistance (DPA) |
N/A
|
5.375%
|
| With Downpayment Assistance (DPA) |
N/A
|
5.750%
|
| Step Rate Loan (1 to 3 years-rate increases after 1st three years) |
N/A
|
4.875%
|
| Step Rate Loan (4 to 30 years) |
N/A
|
5.875%
|
| Employer Assisted Housing Down Payment Assistance - 30 yrs |
N/A
|
6.500%
|
| Acquisition/Development/Resale Assistance - 30 years |
N/A
|
5.375%
|
| Graduated Purchase Assistance Program |
|
|
| 30 Years without DPA |
N/A
|
4.125%
|
| 30 Years with DPA |
N/A
|
5.875%
|
| Assist Refinance Program (Conventional Mortgages Only) |
N/A
|
6.875%
|
| 30 Years 97% Loan to Value and Below |
N/A
|
6.500%
|
| 30 Years 97% Loan to Value with a 2nd Lien |
N/A
|
6.875%
|
| Rescue Refinance Program (Conventional Mortgages Only) |
|
|
| 30 Years 97% Loan to Value and Below |
N/A
|
7.125%
|
| Home Equity Line of Credit |
Points
|
APR*
As Low As...
|
| Five Year ARM - 80% LTV (fixed for 60 months) |
N/A
|
4.250%
|
| Bridge Loan |
Points
|
APR*
As Low As...
|
| Nine Month Bridge Loan |
N/A
|
7.625%
|
| Construction Loan |
Points
|
APR*
As Low As...
|
| 12 Month Construction Loan |
N/A
|
6.000%
|
| Construction to Mortgage (5 Year ARM) |
N/A
|
6.000%
|
| Construction to Mortgage (12 Months) |
N/A
|
6.500%
|
|
*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 03/05/2010.
**Limited time offer. Must maintain a balance of $150,000 to take advantage of special rate. All balances below $150,000 will receive 0% interest. Six electronic transactions per month. Offer subject to termination without notice.
|
