Awesome rates across the board.
Certficate Accounts (CDs)
Special: 15-Month Bump-Up CD at 2.25% APY. Bump up your rate once when rates go up.
Certificate Accounts Effective Date: Thursday, October 18th, 2018 Term Minimum Deposit Dividend Rate APY* 91 Days
*APY = Annual Percentage Yield assumes that all funds, including dividends, remain on deposit for 365 days. Penalty for early withdrawal. Certificate rates are subject to change. Accounts are fully insured. **One-Time Bump Up Rate Option. ***20 Month CD: Rates not available on IRA Certificates. Early withdrawal penalties apply. Upon maturity this certificate will transfer to the main share account. Limited time offer - subject to change without notice.
Loans, Loans , Loans! 3 Easy Ways to learn more or apply:
1. Call 800-356-0067 (Option 5: Auto, Personal & Home Equity, Option 4: Mortgage)
2. Apply Online for Auto, Personal, or Home Equity Loan/Line below.
3. Visit your nearest MVCU branch location: Lawrence, N. Andover, Methuen, Haverhill, Plaistow, NH and Seabrook NH.
Auto Loans: As low as 1.99% APR up to 60 months PLUS 90 Days NO Payment NO Interest. And FREE Car-Buying Assistance.
Recreational Vehicle Loans (Boats, motorhomes, trailers, campers): As low as 2.99% APR up to 60 months.
Personal Loans: Borrow to to $25,000 with rates as low as 7.74% fixed up to 60 months.
Home Equity: HELOC as low as 3.24% APR fixed 1st 12 months, Prime +0% thereafter. Home Equity Loan as low as 2.99% APR fixed up to 5 years, other terms available.
Mortgages: Low Adjustable Rate Mortgages (as low as 3.50% / 4.361% APR for 5-year or 3.875% /4.395% for 7-year – both with 0 Points) plus Appraisal Credit up to $510 at closing and Cash Rewards! Fixed rate mortgages and other terms available. Call Becky, John or Bob to get pre-approved - 800-356-0067 Option 4.
- Undergrad: Borrow up to $75,000 with rates as low as 5.99% APR. Flexible line of credit, repayment and in-school deferment options. Call 855-500-0357.
- Loan Refi: Consolidate your federal and private loans. Borrow up to $100,000 with rates as low as 3.25% APR variable option or as low as 3.75% APR fixed for 5 years. Other terms available. Call 844-212-9714
All rates/APRs/APYs and offers are subject to change without notice.
Auto Loan: 1.99% APR (Annual Percentage Rate) reflects 0.25% discount with automatic funds transfer from an MVCU account. For 60 monthly payments at 1.99% APR, the repayment amount would be $17.52 per $1,000 borrowed. No payment and no interest for 90 days offer is for auto loans only. Offer excludes commercial vehicles. Principal and interest payments deferred 90 days, with equal payments for the term of the loan thereafter. Monthly automatic payment set up is required. For refinance of auto loans, the consumer auto loan must be refinanced from another financial institution. Not valid for existing MVCU loans. Loans subject to credit qualifications and approval. Regular loan rates apply. Other restrictions may apply.
Recreational vehicle and personal loan: Annual Percentage Rate reflects 0.25% discount with automatic funds transfer from an MVCU account. APR and term are determined by the evaulation of applicant’s credit history and the actual rate and/or term may vary. We use risk-based pricing to determine the interest rate and/or term. Risk-based pricing is a system that evaluates the risk factors of your loan application and credit profile and adjusts the interest rate and/or term up or down on this risk evaluation.
Home Equity loan: The APR (Annual Percentage Rate) is an estimate and could be higher, based on the date of closing and the number of days interest collected at consummation. For 60 monthly payments at 2.99% APR, the repayment amount would be $17.96 per $1,000 borrowed.
HELOC: Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. There is an appraisal fee for loan applications over $250,000 which can range from $305 - $580. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee may apply if closed within the first 12 months. Must meet eligibility guidelines.
HELOC Special: The APR is an estimate and could be higher, based on the date of closing and the number of days interest collected at consummation. 3.24% introductory rate is fixed for 12 months, after which the rate reverts to Prime. Prime Rate as of 8/21/18 is 5.00%. Members will be qualified at the 5.00% rate.
Mortgage: The APR (Annual Percentage Rate) is an estimate and could be higher, based on the date of closing and the number of days interest collected at consummation. Mortgage loan subject to credit qualifications and approval. Must meet eligibility guidelines.