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Savings, Certificates and Money Markets
Rates last updated November 17, 2020___________________________Printer Friendly
Savings Account | Dividend Rate |
APY
|
Regular Savings |
0.05%
|
0.05%
|
Other Savings | 0.03% |
0.03% |
Health Savings Account |
0.08% |
0.08% |
Money Market Accounts | ||
$2,000-$9,999 |
0.10%
|
0.10%
|
$10,000-$24,999 |
0.15%
|
0.15%
|
$25,000 - $49,999 |
0.20%
|
0.20% |
$50,000 - $74,999 | 0.25% |
0.25% |
$75,000 and above | 0.30% |
0.30% |
Term Certificates- $500 Minimum | ||
6 Month |
0.15%
|
0.15%
|
12 Month |
0.45%
|
0.45%
|
18 Month |
0.50%
|
0.50%
|
24 Month |
0.60%
|
0.60% |
36 Month | 0.75%
|
0.75%
|
48 Month |
0.80%
|
0.80%
|
60 Month |
0.90%
|
0.90%
|
Jumbo Certificates- $10,000 | ||
6 Month |
0.25%
|
0.25%
|
12 Month |
0.50%
|
0.50%
|
18 Month |
0.60%
|
0.60% |
24 Month |
0.65%
|
0.65%
|
36 Month |
0.80%
|
0.80%
|
48 Month |
0.85%
|
0.85%
|
60 Month |
0.95%
|
0.95%
|
Super Jumbo Certificates- $50,000 | ||
6 Month |
0.35%
|
0.35%
|
12 Month |
0.55%
|
0.55%
|
18 Month |
0.65%
|
0.65%
|
24 Month |
0.70%
|
0.70%
|
36 Month |
0.85%
|
0.85%
|
48 Month |
0.90%
|
0.90%
|
60 Month |
1.00% |
1.00%
|
Individual Retirement Accounts | ||
IRA Shares |
0.30%
|
0.30%
|
IRA 12 Month CD |
0.65%
|
0.65%
|
IRA 24 Month CD |
0.70%
|
0.70%
|
IRA 36 Month CD |
0.85%
|
0.85%
|
IRA 48 Month CD |
0.90%
|
0.90%
|
IRA 60 Month CD |
1.00%
|
1.00%
|
Club Accounts | ||
Christmas |
0.08%
|
0.08%
|
Vacation | 0.08% |
0.08% |
Education | 0.08% |
0.08% |
Loans
Rates Current As Of ___________________________________________________________________Printer Friendly
New & Used Auto |
|||||||||
24 Month Term* | 80% |
90% |
100% |
36 Month Term* | 80% |
90% |
100% |
||
750 + | 2.25 |
2.70 |
2.80 |
750 + | 2.25 |
2.70 |
2.80 |
||
749-720 | 2.50 |
2.95 |
3.05 |
749-720 | 2.50 |
2.95 |
3.05 |
||
719-670 | 3.05 |
3.50 |
3.60 |
719-670 | 3.05 |
3.50 |
3.60 |
||
669-630 | 5.05 |
5.50 |
5.60 |
669-630 | 5.05 |
5.50 |
5.60 |
||
629-600 | 8.60 |
9.05 |
9.15 |
629-600 | 8.60 |
9.05 |
9.15 |
||
Below 599 | 12.35 |
12.80 |
12.90 |
Below 599 | 12.35 |
12.80 |
12.90 |
||
48 Month Term* | 80% |
90% |
100% |
60 Month Term* | 80% |
90% |
100% |
||
750 + | 2.35 |
2.70 |
2.80 |
750 + | 2.45 |
2.70 |
2.80 |
||
749-720 | 2.60 |
2.95 |
3.05 |
749-720 | 2.70 |
2.95 |
3.05 |
||
719-670 | 3.15 |
3.50 |
3.60 |
719-670 | 3.25 |
3.50 |
3.60 |
||
669-630 | 5.15 |
5.50 |
5.60 |
669-630 | 5.25 |
5.50 |
5.60 |
||
629-600 | 8.70 |
9.05 |
9.15 |
629-600 | 8.80 |
9.05 |
9.15 |
||
Below 599 | 12.45 |
12.80 |
12.90 |
Below 599 | 12.55 |
12.80 |
12.90 |
||
72 Month Term* | 80% |
90% |
100% |
84 Month Term* | 80% |
90% |
100% |
||
750 + | 2.64 |
2.70 |
2.80 |
750 + | 3.85 |
4.35 |
4.85 |
||
749-720 | 2.89 |
2.95 |
3.05 |
749-720 | 4.10 |
4.60 |
5.10 |
||
719-670 | 3.44 |
3.50 |
3.60 |
719-670 | 4.65 |
5.15 |
5.65 |
||
669-630 | 5.44 |
5.50 |
5.60 |
669-630 | 6.65 |
7.15 |
7.65 |
||
629-600 | 8.99 |
9.05 |
9.15 |
629-600 | 10.20 |
10.70 |
11.20 |
||
Below 599 | 12.74 |
12.80 |
12.90 |
Below 599 | 13.95 |
14.45 |
14.95 |
||
*All rates shown are Annual Percentage Rate (APR). Rate shown is lowest available. Rates are subject to change without notice. |
Motorcycle & RV |
|||||||||
24 Month Term* | Motorcycle |
Group A |
Group B |
36 Month Term* | Motorcycle |
Group A |
Group B |
||
750 + | 4.79 |
3.79 |
5.79 |
750 + | 5.04 |
4.04 |
6.04 |
||
749-720 | 5.04 |
4.04 |
6.04 |
749-720 | 5.29 |
4.29 |
6.29 |
||
719-670 | 5.54 |
4.54 |
6.54 |
719-670 | 5.79 |
4.79 |
6.79 |
||
669-630 | 7.54 |
6.65 |
8.54 |
669-630 | 7.79 |
6.79 |
8.79 |
||
629-600 | 11.04 |
10.04 |
12.04 |
629-600 | 11.29 |
10.29 |
12.29 |
||
Below 599 | 14.54 |
13.54 |
15.54 |
Below 599 | 14.79 |
13.79 |
15.79 |
||
48 Month Term* | Motorcycle |
Group A |
Group B |
60 Month Term* | Motorcycle |
Group A |
Group B |
||
750 + | 5.29 |
4.29 |
6.29 |
750 + | 5.54 |
4.54 |
6.54 |
||
749-720 | 5.54 |
4.54 |
6.54 |
749-720 | 5.79 |
4.79 |
6.79 |
||
719-670 | 6.04 |
5.04 |
7.04 |
719-670 | 6.29 |
5.29 |
7.29 |
||
669-630 | 8.04 |
7.04 |
9.04 |
669-630 | 8.29 |
7.29 |
9.29 |
||
629-600 | 11.54 |
10.54 |
12.54 |
629-600 | 11.79 |
10.79 |
12.79 |
||
Below 599 | 15.04 |
14.04 |
16.04 |
Below 599 | 15.29 |
14.29 |
16.29 |
||
72 Month Term* | Motorcycle |
Group A |
Group B |
84 Month Term* | Motorcycle |
Group A |
Group B |
||
750 + | 5.79 |
4.79 |
6.79 |
750 + | 6.29 |
5.29 |
7.29 |
||
749-720 | 6.04 |
5.04 |
7.04 |
749-720 | 6.54 |
5.54 |
7.54 |
||
719-670 | 6.54 |
5.54 |
7.54 |
719-670 | 7.04 |
6.04 |
8.04 |
||
669-630 | 8.54 |
7.54 |
9.54 |
669-630 | 9.04 |
8.04 |
10.04 |
||
629-600 | 12.04 |
11.04 |
13.04 |
629-600 | 12.54 |
11.54 |
13.54 |
||
Below 599 | 15.54 |
14.54 |
16.54 |
Below 599 | 16.04 |
15.04 |
17.04 |
||
*All rates shown are Annual Percentage Rate (APR). Rate shown is lowest available. Rates are subject to change without notice. |
Home Loans |
|||||
Fixed Rate Home Equity Loans | |||||
Add 1% to listed rate for 81-90% LTV Add 2% for 91-95% Add 3% for 95-100% (Loan Under $20k or Less Than 5yrs Only) |
5 Year* |
10 Year* |
15 Year* |
||
750 + | 3.00% |
4.45% |
5.45% |
||
749-720 | 3.50% |
4.95% |
5.95% |
||
719-670 | 4.00% |
5.45% |
6.45% |
||
669-630 | 5.00% |
6.45% |
7.45% |
||
629-600 | 8.00% |
9.45% |
10.45% |
||
Below 599 | 12.00% |
13.45% |
14.45% |
||
Home Equity Variable Line of Credit | |||||
Add 1% to listed rate for 81-90% LTV Add 2% for 91-95% Add 3% for 95-100% (Loan Under $20k or Less Than 5yrs Only) |
Rate* |
||||
750 + | 3.00% |
||||
749-720 | 3.50% |
||||
719-670 | 4.00% |
||||
669-630 | 6.00% |
||||
629-600 | 8.50% |
||||
Below 599 | 12.00% |
||||
Variable rate may be adjusted once per quarter |
|||||
Mini-Mortgage | |||||
1st Mortgage less than 150K and LTV 50% or less. | 5 Year* |
7 Year* |
10 Year* |
||
750 + | 2.50% |
3.25% |
3.75% |
||
749-720 | 2.75% |
3.50% |
4.0% |
||
719-670 | 3.25% |
4.00% |
4.25% |
||
669-630 | 5.25% |
6.00% |
6.25% |
||
629-600 | 8.70% |
9.45% |
9.70% |
||
Below 599 | 11.20% |
12.20% |
12.70% |
||
Home Improvement Loan | |||||
Up to 15 Years | Rate* |
||||
750 + | 7.00% |
||||
749-720 | 8.00% |
||||
719-670 | 9.00% |
||||
669-630 | 10.00% |
||||
629-600 | 11.00% |
||||
Below 599 | 12.00% |
||||
-Maximum loan $17,500 |
|||||
Unsecured & Secured Loan & Overdraft |
|||||
Unsecured Loan | |||||
12 month* |
24 month* |
36 month* |
|||
750 + | 12.75% |
13.75% |
14.75% |
||
749-720 | 13.00% |
14.00% |
15.00% |
||
719-670 | 13.50% |
14.50% |
15.50% |
||
669-630 | 14.50% |
15.50% |
16.50% |
||
629-600 | 16.00% |
17.00% |
18.00% |
||
Below 599 | 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%* |
|||||
Qwik Loan | |||||
28.00%* | |||||
$20.00 Application Fee for all applicants *All rates shown are Annual Percentage Rate (APR). Rate shown is lowest available. Rates are subject to change without notice. |
Credit Cards
Rates last updated January 12, 2021 _____________________________________ Printer Friendly
Visa Platinum Credit Card- Fixed Rate |
|
17.9%* |
Below 599 |
15.9%* |
629-600 |
13.9%* |
669-630 |
12.9%* |
719-670 |
10.9%* |
749-720 |
9.9%* |
750+ |
*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 July 1, 2019 __________________________________________Printer Friendly
Membership | |
Membership Fee | FREE |
Youth Account (Superheroes Savings Club) | FREE |
Checking | |
Advantage Checking Accounts | FREE |
2nd Chance Checking (Monthly) | $9.00 |
Overdraft Courtesy Transfer | FREE |
Non-Sufficient Funds (personal acct) |
$30.00
|
Non-Sufficient Funds (business acct) |
$30.00
|
Return Deposited Item (personal) |
$30.00
|
Return Deposited Item (business) |
$30.00
|
Stop Payment | $30.00 |
Check Copy (personal) |
$2.00
|
Check Copy (CU check) | $5.00 |
Check Orders | Varies |
Self to Self RDI | $35.00 |
Temporary Checks (first 10 free w/order) |
$.50 each |
Account Reconciliation/Balancing | $25.00/hr |
Auto/RV Loans | |
Refinance |
Higher of 1% or $200.00
|
Colorado Auto Title and Filing |
$25.00
|
GAP Insurance (Auto/Motorcycle) | $370.00/$395.00 |
Mechanical Breakdown Protection | Varies |
Tax Saver Loan Filing | $103.00 |
Uniform Commercial Code Filing | $28.80 |
Coupon Book | $10.00 |
Subsequent Action (one per loan/addtl) | FREE/$25.00 |
Late Fee (Over 10 days past due) | $25.00 |
Life, Disability and Unemployment Debt Protection | Varies |
Duplicate Titles | $10.00
|
Mortgage and Equity Loans | |
Refinance |
Higher of 1% or $200.00
|
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 |
Subordination Fee | $150.00 |
Life, Disability and Unemployment Debt Protection | Varies |
Land Title O&E Report | $5.00 |
VISA Credit Card / VISA Debit Card | |
VISA Credit Card |
FREE
|
VISA Debit Card | FREE |
VISA Credit Card Fraud Alert | FREE |
PIN Select (in person) | FREE |
Reissue PIN (mailer) | $1.00 |
ATM Withdraw (first 10 a month/thereafter) | FREE/$2.00 |
Card Replacement | $12.00 |
Emergency Card | Cost |
VISA International Processing Fee | 3.00% |
Photocopy of Sales Draft | $5.00 |
Late Fee (Credit Card over 10 days past due) | $25.00 |
Visa C.C. Life, Disability and Unemployment Debt Protection | Varies |
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
|
Funds Transfer Fees | |
Virtual Branch Account to Account | FREE |
Popmoney (1st 10/mth with Checking & DD/All others) | FREE/$0.50 |
Popmoney Instant | $3.00 |
Fast Cash |
$10.00
|
Western Union | $25.00 |
Bank Wire (outgoing) | $20.00 |
Bank Wire (incoming) | $10.00 |
Bank Wire (international) | $40.00 |
Additional Services | |
Virtual Branch Online Banking | FREE |
Online Bill Pay | FREE |
Telephone Teller (automated transaction information) | FREE |
Money Orders ($1,000 maximum) |
$2.00
|
CU Draft (first two a month/thereafter/Shared Branching) | FREE/$5.00/$10.00 |
VISA Gift Card | $2.50 |
Coin Counting (Mbr up to $100/Mbr over $100/Non-Mbr) | FREE/5%/10% |
Cash Advance (Non-AFCU card) | $35.00 |
Notary Service (Member only) | FREE |
Signature Guarantee (member only) | FREE with Checking & DD/$10.00 |
Overnight Document | Higher of $20 or cost |
Foreign Item Collection | Cost |
Check Exchange (Non-Member) | $10.00 |
Member Check Cash - Balance <$100 & No Loans | $10.00 |
Non-Member Check Cash (On Us Item) | $10.00 |
Account Research (one hour minimum) | $25.00/hr |
Fax/Photocopy Fee (member only) | $1.00 per page |
Cash Advance Non-AFCU Card | $25.00 |
Shared Branch Deposit (first six a month/thereafter) | FREE/$2.00 |
Shared Branch Withdrawal (first six a month/thereafter) | FREE/$2.00 |
Qwik Loan Application | $20.00 |
Phone Transaction Fee (when self-service options not used) | $2.00 |
Account Maintenance | |
Early Christmas Club Withdrawal (greater) | Dividends/$25.00 |
Early Certificate Withdrawal | Varies on Term |
Account Closure (within six months) | $15.00 |
Bad Address/Postal Address Correction | $5.00/mth |
Statement Copies (current qtr/prior qtr) | $2.00/$10.00 |
Garnishment Service | $50.00 |
Account Maintenance Fee (after one year) | $5.00/mth |
Reopen Savings Account | $10.00 |
Money Market Withdrawal (over three/mth) | $27.00 |
ATM Deposit Correction / Empty Envelope | $5.00 |
Reg D Violation | $5.00 |
Daily Negative Balance Fee | $1.00 |