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Rates

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Savings, Certificates and Money Markets

Rates last updated March 4th, 2010. ___________________________Printer Friendly

Savings Account Dividend Rate
APY
Regular Savings
0.25%
0.25%
Other Savings
0.10%
0.10%
Health Savings Account
1.74%
1.75%
Money Market Accounts
$2,000-$9,999
0.50%
0.50%
$10,000-$24,999
0.75%
0.75%
$24,999 - $49,999
1.00%
1.00%
$50,000 and above
1.24%
1.25%
Term Certificates- $500 Minimum
6 Month
0.70%
0.70%
12 Month
0.90%
0.90%
18 Month
1.25%
1.26%
24 Month
1.77%
1.78%
36 Month
1.90%
1.92%
48 Month
2.04%
2.06%
60 Month
2.39%
2.42%
Jumbo Certificates- $10,000
6 Month
1.00%
1.00%
12 Month
1.49%
1.50%
18 Month
1.82%
1.84%
24 Month
1.98%
2.00%
36 Month
2.25%
2.27%
48 Month
2.50%
2.53%
60 Month
2.76%
2.80%
Super Jumbo Certificates- $50,000
6 Month
1.24%
1.25%
12 Month
1.64%
1.65%
18 Month
1.91%
1.93%
24 Month
2.18%
2.20%
36 Month
2.43%
2.46%
48 Month
2.71%
2.74%
60 Month
2.96%
3.00%
Individual Retirement Accounts
IRA Shares
0.25%
0.25%
IRA 12 Month CD
1.64%
1.65%
IRA 24 Month CD
2.18%
2.20%
IRA 36 Month CD
2.43%
2.46%
IRA 48 Month CD
2.71%
2.74%
IRA 60 Month CD
2.96%
3.00%
Club Accounts
Christmas
0.28%
0.28%
Vacation
0.28%
0.28%
Education
0.28%
0.28%

Loans

Rates last updated January 6th, 2010. ____________________________________________________Printer Friendly

New & Used Auto
24 Month Term
80%
90%
100%
   36 Month Term
80%
90%
100%
740 +
3.94
4.40
4.50
 740 +
4.00
4.45
4.55
739-720
4.19
4.65
4.75
 739-720
4.25
4.70
4.80
719-670
4.69
5.15
5.25
 719-670
4.75
5.20
5.30
669-620
7.19
7.65
7.75
 669-620
7.25
7.70
7.80
Below 619
11.19
11.65
11.75
 Below 619
11.25
11.70
11.80
48 Month Term
80%
90%
100%
 60 Month Term
80%
90%
100%
740 +
4.25
4.50
4.65
 740 +
4.50
4.65
4.75
739-720
4.50
4.75
4.90
 739-720
4.75
4.90
5.00
719-670
5.00
5.25
5.40
 719-670
5.25
5.40
5.50
669-620
7.50
7.75
7.90
 669-620
7.75
7.90
8.00
Below 619
11.50
11.75
11.90
 Below 619
11.75
11.90
12.00
72 Month Term
80%
90%
100%
 84 Month Term
80%
90%
100%
740 +
4.75
5.30
5.67
 740 +
5.00
5.60
6.00
739-720
5.00
5.55
5.92
 739-720
5.25
5.85
6.25
719-670
5.50
6.05
6.42
 719-670
5.75
6.35
6.75
669-620
8.00
8.55
8.92
 669-620
8.25
8.85
9.25
Below 619
12.00
12.55
12.92
 Below 619
12.25
12.85
13.25

Deduct .25% with a Tax Saver Loan. Must be a homeowner to qualify. Consult with your tax advisor for tax deductibility.
Motorcycle & RV
24 Month Term
Motorcycle
Group A
Group B
   36 Month Term
Motorcycle
Group A
Group B
740 +
6.49
7.49
8.49
 740 +
6.59
7.59
8.59
739-720
6.74
7.74
8.74
 739-720
6.84
7.84
8.84
719-670
7.24
8.24
9.24
 719-670
7.34
8.34
9.34
669-620
9.74
10.74
11.74
 669-620
9.84
10.84
11.84
Below 619
13.74
14.74
15.74
 Below 619
13.84
14.84
15.84
48 Month Term
Motorcycle
Group A
Group B
 60 Month Term
Motorcycle
Group A
Group B
740 +
6.79
7.79
8.79
 740 +
6.89
7.89
8.89
739-720
7.04
8.04
9.04
 739-720
7.14
8.14
9.14
719-670
7.54
8.54
9.54
 719-670
7.64
8.64
9.64
669-620
10.04
11.04
12.04
 669-620
10.14
11.14
12.14
Below 619
14.04
15.04
16.04
 Below 619
14.14
15.14
16.14
72 Month Term
Motorcycle
Group A
Group B
 84 Month Term
Motorcycle
Group A
Group B
740 +
6.99
7.99
8.99
 740 +
7.99
8.99
9.89
739-720
7.24
8.24
9.24
 739-720
8.24
9.24
10.14
719-670
7.74
8.74
9.74
 719-670
8.74
9.74
10.64
669-620
10.24
11.24
12.24
 669-620
11.24
12.24
13.14
Below 619
14.24
15.24
16.24
 Below 619
15.24
16.24
17.14

Deduct .25% with a Tax Saver Loan. Must be a homeowner to qualify. Consult with your tax advisor for tax deductibility.
Home Loans
Fixed Rate Home Equity Loans
Up to 90% Financing**
5 Year
10 Year
15 Year
740 +
4.50%
5.50%
6.50%
739-720
5.00%
6.00%
7.00%
719-670
5.50%
6.50%
7.50%
669-620
8.00%
9.00%
10.00%
Below 619
12.00%
13.00%
14.00%
Home Equity Variable Line of Credit
Up to 90% Financing**
Rate
740 +
4.00%
739-720
4.50%
719-670
5.00%
669-620
7.50%
Below 619
11.50%

**Add 2.00% to listed rate for 81%-90% LTV.
- .25 change in index ~ NO change in rate
- Maximum increase/decrease per quarter is .5%, per year is 2%
- 8-year draw period with a 10-year payback
Mini-Mortgage
1st Mortgage less than 75K and LTV 50% or less.
5 Year
7 Year
10 Year
740 +
4.25%
5.00%
5.50%
739-720
4.50%
5.25%
5.75%
719-670
5.00%
5.75%
6.00%
669-620
7.50%
8.25%
8.50%
Below 619
11.50%
12.25%
12.50%
Home Improvement Loan
Up to 15 Years
Rate
740+
13.9%
739-720
14.9%
719-670
15.9%
669-620
16.9%
Below 619
17.9%

-Maximum loan $17,500
Equity is NOT required
See loan Officer for details
CC, UN & Sec Loan & Overdraft
Credit Cards
 
Visa Platinum Credit Card
740 +
9.90%
739-720
10.90%
719-670
12.90%
669-620
14.90%
Below 619
17.90%
Unsecured Loan
 
12 month
35 month
36 month
740 +
12.75%
 13.75% 14.75%
739-720
13.00%
 14.00% 15.00%
719-670
13.50%
 14.50% 15.50%
669-620
14.50%
15.50%
 16.50%
Below 619
18.00%
 18.00% 18.00%
Secured Loan
Type
Rate
Term
Savings Secured
Rate is 3% over shares
Limit of a 5-year term
Certificate Secured
Rate is 2% over certificate rate
Loan term is equal to certificate maturity
Overdraft Protection
18.00%

Credit Cards

Rates last updated January 6th, 2010. _____________________________________Printer Friendly

Visa Platinum Credit Card- Fixed Rate
17.9%*

Below 619
14.9%*
669-620
12.9%*
719-670
10.9%*
739-720
9.9%*
740+
*All rates displayed are Annual Percent Rate (APR). Interest rates and terms provided above are only estimates. Best Rate may vary based on personal credit history and will be provided by Members Federal Credit Union upon approval of a completed loan application. Rates are subject to change without notice.

Fee Schedule

Fees last updated February 1, 2009. _______________________________________Printer Friendly

Membership
Membership Joining Fee
$5.00
Youth Acct (Superheroes Savings Club)
FREE
Checking
Advantage Checking Accounts
FREE
Overdraft Courtesy Transfer
FREE
Non-Sufficient Funds (personal acct)
$27.00
Non-Sufficient Funds (business acct)
$27.00
Non-Sufficient Funds Deposit (personal)
$10.00
Non-Sufficient Funds Deposit (business)
$20.00
Stop Payment
$27.00
Check Copy (personal)
$2.00
Check Copy (CU check)
$5.00
Check Orders
Varies
Self to Self RDI
$30.00
Temporary Checks (first 10 free w/order)
$.50 each
Auto/RV Loans
Refinance
Higher of 1% or $100.00
Colorado Auto Title and Filing
$25.00
GAP Insurance
$300.00
Tax Saver Loan Filing
$103.00
Uniform Commercial Code Filing
$28.80
Coupon Book
$10.00
Subsequent Action (one per loan/addtl)
FREE/$15.00
Late Fee (Over 10 days past due)
$25.00
Mortgage and Equity Loans
Refinance
Higher of 1% or $100.00
Title Insurance
Determined by Issuer
Verification of Deposit
FREE
Appraisal (if required)
Cost
Home Equity Fixed Filing
Varies
Home Equity Variable Filing
Varies
Late Fee
$25.00
VISA Credit or Debit Card
VISA Credit Card
FREE
VISA Debit Card
FREE
PIN Select (in person)
FREE
Reissue PIN (mailer)
$1.00
ATM Withdraw (first 12 a month/thereafter)
FREE/$2.00
Card Replacement
$12.00
Account Reconciliation
$10.00/hr
Emergency Card
up to $50.00
Over Limit Fee
$15.00
Photocopy of Sales Draft
$5.00
Late Fee (Credit Card over 10 days past due)
$25.00
Safe Deposit Box
Annual Rent for Various Sizes
5" x 5"
$40.00
3" x 10"
$50.00
5" x 10"
$60.00
3" x 5"
$35.00
Late Payment (over 30 days)
$5.00
Drilling (abandoned box, etc)
Cost
Lost Key
$35.00
Insurance
Single Credit Life (per $1,000 owed)
$0.50
Joint Credit Life (per $1,000 owed)
$0.80
Single Disability (per $1,000 owed)
$1.60
Joint Disability (per $1,000 owed)
$2.64
Wire Fees
Fast Cash (first five a month/thereafter)
FREE/$5.00
Western Union
$20.00
Bank Wire (outgoing)
$17.00
Bank Wire (incoming)
$7.00
Bank Wire (international)
$35.00
Additional Services
Money Orders ($1,000 maximum)
$2.00
CU Draft (first two a month/thereafter)
FREE/$2.00
Coin Counting up to $100
FREE
Coin Counting ($100 to $199)
$5.00
Coin Counting (per $100 over $199)
$1.00
Cash Advance (Non-MFCU card)
$25.00
Notary Service (Member only)
FREE
U.S. Savings Bond
FREE
Signature Guarantee (Member only)
FREE
Overnight Document
Higher of $20 or cost
Foreign Item Collection
$2.00
Check Exchange (Non-Member)
$10.00
Member Check Cash - Balance <$100 & No Loans
$5.00
Non-Member Check Cash (On Us Item)
$10.00
Account Research (one hour minimum)
$25.00/hr
Account Maintenance
Early Christmas Club Withdrawal (greater)
Dividends/$25.00
Early Certificate Withdrawal
Varies on term
Internet Banking
FREE
Telephone Teller
FREE
Account Closure (within six months)
$10.00
Bad Address/Postal Address Correction
$5.00/mth
Statement Copies (current qtr/prior qtr)
$2.00/$10.00
Garnishment Service
$50.00
Inactive Account (after one year)
$5.00/mth
Reopen Savings Account
$10.00
Money Market Withdrawal (over three/mth)
$27.00
Reg D Violation
$5.00