| Mutual Savings Credit Union |
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| Loan Products |
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| New Vehicle Loans |
| 48 Month Term | 4.50% APR |
| 60 Month Term | 5.00% APR |
| 72 Month Term | 5.50% APR |
| 84 Month Term | 6.25% APR |
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| Used Vehicle Loans |
| 48 Month Term | 5.00% APR |
| 60 Month Term | 5.25% APR |
| 72 Month Term | 6.00% APR |
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| Older Used Vehicle Loans |
| 48 Month Term | 6.50% APR |
| 60 Month Term | 7.00% APR |
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| Boat, Motorcycle and Other Vehicles |
| New – 84 Month Term | 7.25% APR |
| Used – 60 Month Term | 7.75% APR |
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| Personal Loan – Deposit Secured |
| Share or Certificate Secured – 60 Month Term | 2% Over Dividend Rate (3.5% Minimum) |
| Single Payment – 12 Month Term | 2% Over Dividend Rate (3.5% Minimum) |
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| Personal Loans – Unsecured |
| Single Payment Signature Loan – 3 Month Term | 13.50% APR |
| Signature Line of Credit – 24 Month Term | 13.50% APR |
| Closed End Signature Loan – 60 Month Term | 14.50% APR |
| Closed End Signature Loan – 48 Month Term | 13.50% APR |
| Breathe Easy Loan* – 12 Month Term | 18.00% APR |
| *Certain restrictions and requirements apply. See credit union for details. |
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| Credit Cards |
| Mastercard variable rate credit cards are the prime rate plus 6.00% APR |
| Current rates range from 13.00% – 21.00% APR and is based on creditworthiness |
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| 1st Mortgages, 90% LTV, no PMI |
| Fixed-Rate 1st Mortgages (not available on mobile home loans) |
| 15 Year Amortization (Fixed-Rate) |
| 90% LTV | 5.75% APR |
| 80% LTV | 5.50% APR |
| 10 Year Amortization (Fixed-Rate) |
| 90% LTV | 5.35% APR |
| 80% LTV | 5.10% APR |
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| Origination fee may be up to 1.00% on both 15 year and 10 year fixed rate mortgages. |
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| Minimum loan amount for 1st mortgage products is $30,000 (excluding HELOC). |
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| Adjustable Rate Mortgages (“ARM”) |
| 30 Year Amortization (15/1 ARM) |
| 90% LTV | 6.50% APR |
| 80% LTV | 6.25% APR |
| 30 Year Amortization (10/1 ARM) |
| 90% LTV | 6.00% APR |
| 80% LTV | 5.75% APR |
| 30 Year Amortization (7/1 ARM) |
| 90% LTV | 5.75% APR |
| 80% LTV | 5.50% APR |
| 15 Year Amortization (7/1 ARM) |
| 90% LTV | 5.50% APR |
| 80% LTV | 5.25% APR |
| 30 Year Amortization (5/1 ARM) |
| 90% LTV | 5.25% APR |
| 80% LTV | 5.00% APR |
| 15 Year Amortization (5/1 ARM) |
| 90% LTV | 5.00% APR |
| 80% LTV | 4.75% APR |
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| Jumbo Loan |
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| For loans greater than $700,000.00, add 1.00% to the listed rates (1st Mortgage). Max LTV 80%. |
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| 2nd Mortgages, 90% LTV, no PMI |
| Fixed-Rate 2nd Mortgages (not available on mobile home loans) |
| 7 Year Amortization (Fixed-Rate) |
| 90% LTV | 6.50% APR |
| 80% LTV | 6.25% APR |
| 5 Year Amortization (Fixed-Rate) |
| 90% LTV | 6.25% APR |
| 80% LTV | 6.00% APR |
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| Origination fee may be up to 1.00% on both 15 year and 10 year fixed rate mortgages. |
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| Minimum loan amount for 2nd mortgage products is $10,000 (excluding HELOC). |
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| Home Equity Line of Credit (“HELOC”), no PMI |
| Home Equity Line of Credit |
| 90% LTV | 7.00% APR |
| 80% LTV | 6.50% APR |
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| Interest Only Payment* |
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| Features a 15-Year Maturity 10-Year draw period. |
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| No closing costs with loan advance of $15,000 or higher. If loan is paid in full or principal balance within one year of the loan, closing costs will be assessed. |
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| .Features a 15-Year Maturity 10-Year draw period. |
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| Land, Investment and 2nd Home Loans |
| 15-Year Amortization 7/1 ARM |
| 80% LTV | 7.25% APR |
| 15-Year Amortization 5/1 ARM |
| 80% LTV | 6.75% APR |
| 10-Year Fixed-Rate |
| 80% LTV | 7.10% APR |
| 15-Year Fixed-Rate |
| 80% LTV | 7.50% APR |
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| Rates quoted are best available and subject to change. Rates may vary depending on your credit, loan to value and payment terms. |
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| Contact us for full details about our rates, terms and credit insurance options. |
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| Notes |
| 1. “New Vehicles” include current and previous two model years with 45,000 or less miles. 72 months requires a minimum loan amount of $15,000. 84 months requires a minimum loan amount of $25,000. |
| 2. “Used Vehicles” include autos not considered “New”. Not to exceed 6 years from current year. 72 month terms require a minimum loan amount of $15,000.00 and vehicle mileage must not exceed 55,000 miles. |
| 3. “Older Used Vehicles” include all models manufactured greater than 6 years from current year. |
| 4. 72 months or greater requires a minimum loan amount of $25,000. “New Boats and Other Secured” include current and previous two year models. |
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| LTV = Loan to Value |
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| Loan Rates Effective 10/31/25 |
