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Loan Rates

Auto loan as easy as 1,2,3. 1. Drive to dealer. 2. Pick out your auto 3. Let them know that you want MVCU for your financing. That’s It! We can match rates too. Receive .25% off your loan rate with auto transfer or auto pay – ask how!

Current Loan Rates effective as of: April Р2018

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 3.79% 3.54% NA
2018-2014 72 Months As low as 3.24% 2.99% NA
2013-2012 72 Months As low as 3.24% 2.99% N/A
2011 72 Months As low as 4.24% 3.99% N/A
2010 60 Months As low as 4.99% 4.74% N/A
Used Car / Truck
2009-2008 60 Months As low as 4.99% 4.74% N/A
2007-2006 48 Months As low as 5.99% 5.74% N/A
2005-2004 48 Months As low as 6.49% 6.24% N/A
2003 – Under 36 Months As low as 6.99% 6.74% N/A
Personal Loans (Maximum $5,000)
Vacation Loans Up to 12 Months As low as
6.24%
5.99% N/A
Signature Loans Up to 12 Months As low as
7.00%
6.75% N/A
Up to 24 months As low as
8.00%
7.75% N/A
Up to 36 months As low as
9.00%
8.75% N/A
Up to 48 months As low as
10.00%
9.75% N/A
Classic Car
Certified Appraisal 96 Months As low as 6.50% 6.25% 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%
4.59%

N/A

$10,001 – $15,000 84 Months As low as
4.84%
4.59% N/A
$15,001 – $20,000 120 Months As low as
5.04%
4.79% N/A
$20,001 – $25,000 180 Months As low as
5.74%
5.49% N/A
$25,001 – $30,000 180 Months As low as
5.74%
5.49% N/A
$30,001 – $75,000 180 Months As low as
5.74%
5.49% N/A
New & Used Motorcycles
Up to $9,999 72 Months As low as 3.14% 2.89% NA
Over $10,000 84 Months As low as 4.09% 3.84% 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 $175 processing fee. Home loans are exempt from this fee.

Receive .25% off of your loan rate with auto transfer from checking or savings Receive .25% off of your loan rate with auto pay from your direct deposit to 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.