Mutual Savings Credit Union

Loan Rates

Loan Products APR
New Vehicle Loans (1)
48 Month Term 2.50%
60 Month Term 3.00%
72 Month Term 3.50%
84 Month Term 4.50%
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Used Vehicle Loans (2)
48 Month Term 3.00%
60 Month Term 3.45%
72 Month Term 4.20%
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Older Used Vehicle Loans  (3)
60 Month Term 5.00%
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Boat, Motorcycle and Other Vehicles (4)
New – 84 Month Term 5.10%
Used – 60 Month Term 5.80%
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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 10.50%
Signature Line of Credit – 24 Month Term 10.50%
Closed End Signature Loan – 60 Month Term 11.50%
Closed End Signature Loan – 48 Month Term 10.50%
Breathe Easy Loan – 12 Month Term 18.00%
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Credit Cards
VISA Blue 18.00%
VISA Blue Rewards 9.90% or 13.70%
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1st Mortgages, 90% LTV, no PMI
Fixed-Rate Mortgages (not available on mobile home loans Up to 90% LTV 80% LTV
15 Year Amortization (Fixed-Rate) 4.75% 4.50%
10 Year Amortization (Fixed-Rate) 4.25% 4.25%
*Origination fee may be up to 1.00% on 15-year loans. There are no origination fees on 10-year fixed mortgages.
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Adjustable Rate Mortgages (“ARM”) Up to 90% LTV 80% LTV
30 Year Amortization (15/1 ARM) 4.75% 4.50%
15 Year Amortization (10/1 ARM) 4.50% 4.25%
30 Year Amortization (7/1 ARM) 4.25% 4.00%
15 Year Amortization (7/1 ARM) 4.25% 4.00%
30 Year Amortization (5/1 ARM) 4.125% 3.875%
15 Year Amortization (5/1 ARM) 4.125% 3.875%
30 Year Amortization (3/1 ARM) 4.00% 3.75%
15 Year Amortization (3/1 ARM) 4.00% 3.75%
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2nd Mortgages, 90% LTV, no PMI Up to 90% LTV 80% LTV
30 Year Amortization | 5 Year Balloon 6.25% Contact MSCU for Quote
Home Equity Line of Credit (5)
Interest Only Payment* 6.25% 5.75%
No closing costs with loan advance of $15,000 or higher; with the exception being if a home appraisal required. Rate reflected is the minimum. Depending on the loan-to-value, your rate may be higher. *Closing costs must be paid by the member if the loan is paid in full or the principal balance is below 75% of the initial advance within one year of the loan date.
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Land Loans Up to 80% LTV
15-Year Amortization 7/1 ARM 6.00%
15-Year Amortization 5/1 ARM 5.875%
15-Year Amortization 3/1 ARM 5.75%
10-Year Fixed-Rate 6.25%
15-Year Fixed-Rate 6.50%
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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.
5. Features a 15-Year Maturity 10-Year draw period.
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LTV = Loan to Value
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Loan Rates Effective 9/23/2022
Mutual Savings Credit Union
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Loan Products
New Vehicle Loans (1)
48 Month Term | 2.50% APR
60 Month Term | 3.00% APR
72 Month Term | 3.50% APR
84 Month Term | 4.50% APR
.
Used Vehicle Loans (2)
48 Month Term | 3.00% APR
60 Month Term | 3.45% APR
72 Month Term | 4.20% APR
.
Older Used Vehicle Loans  (3)
60 Month Term | 5.00% APR
.
Boat, Motorcycle and Other Vehicles (4)
New – 84 Month Term | 5.10% APR
Used – 60 Month Term | 5.80% APR
.
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)
.
Personal Loans – Unsecured
Single Payment Signature Loan – 3 Month Term | 10.50% APR
Signature Line of Credit – 24 Month Term | 10.50% APR
Closed End Signature Loan – 60 Month Term | 11.50% APR
Closed End Signature Loan – 48 Month Term | 10.50% APR
Breathe Easy Loan – 12 Month Term | 18.00% APR
.
Credit Cards
VISA Blue | 18.00% APR
VISA Blue Rewards | 9.90% or 13.70% APR
.
1st Mortgages, 90% LTV, no PMI
Fixed-Rate Mortgages (not available on mobile home loans
15 Year Amortization (Fixed-Rate)
90% LTV | 4.75% APR
80% LTV | 4.50% APR
10 Year Amortization (Fixed-Rate)
90% LTV | 4.25% APR
80% LTV | 4.25% APR
*Origination fee may be up to 1.00% on 15-year loans. There are no origination fees on 10-year fixed mortgages.
.
Adjustable Rate Mortgages (“ARM”)
30 Year Amortization (15/1 ARM)
90% LTV | 4.75% APR
80% LTV | 4.50% APR
15 Year Amortization (10/1 ARM)
90% LTV | 4.50% APR
80% LTV | 4.25% APR
30 Year Amortization (7/1 ARM)
90% LTV | 4.25% APR
80% LTV | 4.00% APR
15 Year Amortization (7/1 ARM)
90% LTV | 4.25% APR
80% LTV | 4.00% APR
30 Year Amortization (5/1 ARM)
90% LTV | 4.125% APR
80% LTV | 3.875% APR
15 Year Amortization (5/1 ARM)
90% LTV | 4.125% APR
80% LTV | 3.875% APR
30 Year Amortization (3/1 ARM)
90% LTV | 4.00% APR
80% LTV | 3.75% APR
15 Year Amortization (3/1 ARM)
90% LTV | 4.00% APR
80% LTV | 3.75% APR
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2nd Mortgages, 90% LTV, no PMI
30 Year Amortization | 5 Year Balloon
90% LTV | 6.25% APR
80% LTV | Contact MSCU for Quote
Home Equity Line of Credit (5)
90% LTV | 6.25% APR
80% LTV | 5.75% APR
Interest Only Payment*
.
No closing costs with loan advance of $15,000 or higher; with the exception being if a home appraisal required. Rate reflected is the minimum. Depending on the loan-to-value, your rate may be higher. *Closing costs must be paid by the member if the loan is paid in full or the principal balance is below 75% of the initial advance within one year of the loan date.
.
Land Loans
15-Year Amortization 7/1 ARM
80% LTV | 6.00% APR
15-Year Amortization 5/1 ARM
80% LTV | 5.875% APR
15-Year Amortization 3/1 ARM
80% LTV | 5.75% APR
10-Year Fixed-Rate
80% LTV | 6.25% APR
15-Year Fixed-Rate
80% LTV | 6.50% APR
.
Rates quoted are best available and subject to change. Rates may vary depending on your credit, loan to value and payment terms.
.
Contact us for full details about our rates, terms and credit insurance options.
.
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.
5. Features a 15-Year Maturity 10-Year draw period.
.
LTV = Loan to Value
.
Loan Rates Effective 9/23/2022

You’re Welcome Here

Ready to get started?
At Mutual Savings Credit Union, we can fit your needs with our various loan types. With affordable monthly payments, let us work harder for you.

Call, Click or Come In

You’re Welcome Here

Ready to get started?
At Mutual Savings Credit Union, we can fit your needs with our various loan types. With affordable monthly payments, let us work harder for you.

Call, Click, or Come In