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Current Rates
CREDIT SCORING
We now base loan approval and interest rate on credit score. The rates shown here are our standard rates that could be adjusted per applicant. Please contact the credit union for details.
| New Auto/Motorcycle |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 1.49% |
1.49% |
12 |
| 1.49% |
1.49% |
24 |
| 1.49% |
1.49% |
36 |
| 1.99% |
1.99% |
48 |
| 1.99% |
1.99% |
60 |
| 2.79% |
2.79% |
72 |
| We will refinance new vehicles/motocycles from another institution within 12 months of purchase. |
| Used Auto/Motorcycle 2012-2008 |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 1.99% |
1.99% |
12 |
| 1.99% |
1.99% |
24 |
| 1.99% |
1.99% |
36 |
| 2.49% |
2.49% |
48 |
| 2.99% |
2.99% |
60 |
| Used Auto/Motorcyle 2007-2005 |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 4.99% |
4.99% |
12 to 48 |
| Used Auto/Motocycle 2004 & Older |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 5.99% |
5.99% |
12 to 36 |
| New Power Sport Vehicle |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 5.99% |
5.99% |
12 to 48 |
| Used Power Sport Vehicle |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 6.99% |
6.99% |
12 to 48 |
| Snowmobiles-New or Used |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 9.99% |
9.99% |
12 to 36 |
| Proof of purchase is required. |
| New Boat & Camper |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 3.99% |
3.99% |
12 |
| 3.99% |
3.99% |
24 |
| 3.99% |
3.99% |
36 |
| 4.99% |
4.99% |
48 |
| 5.29% |
5.29% |
60 |
| 6.79% |
6.79% |
120 |
| 6.99% |
6.99% |
144 |
Note: 120 & 144 months only available on loans over $20,000) *A Marine Survey is required on: a) Boats 10 years and older over $20,000 b) Any used boat over blue book value c) Any wood boat used as collateral regardless of age or amount |
| Used Boat & Camper |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 3.99% |
3.99% |
12 |
| 3.99% |
3.99% |
24 |
| 4.99% |
4.99% |
36 |
| 5.99% |
5.99% |
48 |
| 6.29% |
6.29% |
60 |
| 7.29% |
7.29% |
120 |
120 month available on loans over $20,000 **A Marine Survey is required on: a) Boats 10 years and older over $20,000 b) Any used boat over blue book value c) Any wood boat used as collateral regardletss of age or amount |
| Line-of-Credit/Overdraft Protection |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 15.00% |
15.00% |
Revolving |
| Max Limit $1,000.00 |
| Unsecured Loans $750.00-$3,000.00 |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 7.79% |
7.79% |
12 |
| 8.79% |
8.79% |
24 |
| 9.79% |
9.79% |
36 |
| Shares Secured |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 3.50% |
3.50% |
12 to 60 |
| Unsecured Over $3,000.00 (Bill Consolidation) |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 11.99% |
11.99% |
12 to 36 |
| **Maximum total unsecured loan limit per person is based on credit score. |
| Home Improvement |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 10.99% |
10.99% |
12 to 36 |
| Home Equity (Closed End) |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 4.49% |
4.49% |
36 to 60 |
| 5.49% |
5.49% |
61 to 180 |
| Home Equity Line-of-Credit |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR | Months |
| 5.00% |
5.00% |
180 Months |
| Variable Rate |
| VISA Classic |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR |
| 11.88% |
11.88% |
| Fixed rate and no annual fees! |
| VISA Platinum |
| Effective Date: Wednesday, February 22nd, 2012 |
| Interest Rate | APR |
| 8.88% |
8.88% |
| Low fixed rate, no annual fee and an amazing points program! |
| Savings Accounts |
| Effective Date: Wednesday, February 22nd, 2012 |
| Name | Interest Rate |
| Regular Shares |
0.16% APY |
Special Savings Account Balance |
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| $1,000.00-$49,999.00 |
.25% APY |
| $50,000.00-$99,999.00 |
.35% APY |
| $100,000 & Above |
.45% APY |
Premier Checking |
.25% APY |
IRA Savings |
1.06% APY |
| APY = Annual Percentage Yield |
| Certificates of Deposit |
| Effective Date: Wednesday, February 22nd, 2012 |
| Name | Rate | APY |
| Term (Minimum of $1,000.00) |
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| 30 Day *Jumbo CD* (Minimum Beposit $100,000.00) |
0.15% |
0.15% |
| 90 Day *Jumbo CD* (Minimum Deposit $100,000.00) |
0.20% |
0.20% |
| 6 Month |
0.35% |
0.35% |
7 Month * Super Saver CD* |
0.47% |
0.47% |
| 12 Month |
0.50% |
0.50% |
| 18 Month |
0.60% |
0.60% |
| 24 Month |
0.70% |
0.70% AVA |
| 36 Month |
1.01% |
1.01% AVA |
| 48 Month |
1.31% |
1.33% AVA |
| IRA Certificates of Deposit |
| Effective Date: Wednesday, February 22nd, 2012 |
| Name | Rate | APY |
| 12 Month |
0.65% |
0.65% |
| 24 Month |
0.85% |
.85% AVA |
| 36 Month |
1.25% |
1.26% AVA |
| 48 Month |
1.50% |
1.52% AVA |
Previous quarter dividends located in the newsletter tab. *Effective April 1, 2006 NCUA increased share insurance limits for retirement accounts to $250,000. I.e. Traditional and Roth IRA's. *The NCUA currenty insures all shares up to $250,000. |
Metro Shores Credit Union
2360 West Jefferson
Trenton, Michigan
48183
(734) 676-8666
Fax: (734) 676-5759
info@metroshores.org
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