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Loan Rates

Looking to save money on your next auto loan? You can receive .10% off your loan rate with auto transfer or auto pay – and if you open a checking account or have one already with MVCU you can get .25% off with auto transfer or auto pay.

Current Loan Rates effective as of: Oct – 2018

Loan Type Maximum Terms Fixed Fixed APR Rates With Auto Pay Variable APR
New or Used Car / Truck
2018-2014 84 Months As low as 4.99% 4.89% NA
2018-2014 72 Months As low as 4.24% 4.14% NA
2013-2012 72 Months As low as 4.24% 4.14% N/A
2011 72 Months As low as 4.99% 4.89% N/A
2010 60 Months As low as 4.99% 4.89% N/A
Used Car / Truck
2009-2008 60 Months As low as 4.99% 4.89% N/A
2007-2006 48 Months As low as 5.99% 5.89% N/A
2005-2004 48 Months As low as 6.49% 6.39% N/A
2003 – Under 36 Months As low as 6.99% 6.89% N/A
Personal Loans (Maximum $5,000)
Holiday Loans Up to 12 Months As low as
6.24%
6.14% N/A
Signature Loans Up to 12 Months As low as
7.00%
6.90% N/A
Up to 24 months As low as
8.00%
7.90% N/A
Up to 36 months As low as
9.00%
8.90% N/A
Up to 48 months As low as
10.00%
9.90% N/A
Classic Car
Certified Appraisal 96 Months As low as 6.50% 6.40% N/A
Home Equity Lines of Credit
$10,000 – Under 60 Months N/A N/A 4.00%
$10,001 – $15,000 120 Months N/A N/A 4.00%
$15,001 – Above 180 Months N/A N/A 4.00%
90% Loan to Value 180 Months N/A N/A 6.00%
Closed End Home Equity*
$5,000 – $10,000 60 Months 5.24% N/A N/A
$10,001 – $100,000 120 Months 5.24% N/A N/A
90% Loan to Value 120 Months 8.24% N/A N/A
New & Used Boats & RV’s
$10,000 and Under 72 Months As low as
4.84%
4.74%

N/A

$10,001 – $15,000 84 Months As low as
4.84%
4.74% N/A
$15,001 – $20,000 120 Months As low as
5.04%
4.94% N/A
$20,001 – $25,000 180 Months As low as
5.74%
5.64% N/A
$25,001 – $30,000 180 Months As low as
5.74%
5.64% N/A
$30,001 – $75,000 180 Months As low as
5.74%
5.64% N/A
New & Used Motorcycles
Up to $9,999 72 Months As low as 3.14% 3.04% NA
Over $10,000 84 Months As low as 4.09% 3.99% NA
Share Certificate
Equal to Term 3% Above CD N/A N/A
Share Secured
180 Months 3.25% N/A N/A
Home Loans: Call Liz Terwilliger NMLS ID 137587
Cell #419-699-5130 Office # 419-931-9011 for your mortgage options
80% LTV – 0 point 15 Years 4.125 N/A NA
80% LTV – 0 point 30 Years 4.500 N/A NA
VA & FHA Loans 30 Years 4.375 N/A NA
VISA Credit Card
Visa Platinum 2% of Balance
non-variable
9.9% to 19.9% N/A N/A
MVCU’s Visa Platinum Credit Card rates are based on your credit score.

Certain loan types are exempt from special promotional discounts

We match rate and terms – some dealer promotions do not apply

LTV = Loan to Value
*LTV 80% — Annual Percentage Rate (APR) – No Annual Fees!
Fixed rate loans have a $210 processing fee. Home loans are exempt from this fee.

Receive .10% off of your loan rate with auto transfer from checking or savings Receive .10% off of your loan rate with auto pay from your direct deposit to your loan. If you have auto pay with a credit union checking account you can receive a .25% discount on your loan.

Cash advances cannot be used to payoff current MVCU account
-We do business in accordance with the federal fair housing law and equal credit opportunity act.
-MVCU reserves the right to change rates at any time prior to loan closing.
-All Variable rates may increase or decrease after loan consumption.