Loan Rates

Get a loyalty rate deduction off your Auto, Boat, or Recreational Vehicle Loan!
Please ask a representative for your qualifying rate.

Rates effective as of August 2, 2023.                                                                             
Loan ProgramsApproximate TermAPR*
New AutosUp to 84 MonthsAs Low As 5.60%*
Pre-Owned AutosUp to 84 MonthsAs Low As 5.60%*
New & Pre-Owned Motorcycle/ATVUp to 60 months 2 As Low As 8.15%*
New & Pre-Owned Boat, RV, CampersUp to 84 monthsAs Low As 8.15%*
(Over $50,000)85 - 144 monthsAs Low As 9.15%*
Certificate Secured3.00% above index
Shared Secured2.50 above index
Signature LoansUp to 60 monthsas low as 8.750%
Line of CreditPayment: 3% of Limit with a minimum of $308.75% - 18.00%
Credit Cards
Payment: 3% of balance or $18 whichever is greater12.90% - 17.90%
MortgagesClick here for rates
* As Low As (Based On Credit Score And Loan Term)

Protection Products
GAP (Guaranteed Asset Protection)
MMP (Major Mechanical Protection)
Payment Protection
Identity Theft Protection

*APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria.
Each application is evaluated on an individual basis. Rates up to 18%. Stated “rates as low as” apply to well-qualified
applicants in combination with relationship discounts. Additional discounts available.

¹Annual percentage rate of 5.60% is an approximate term of 60 months. Payment Example: 12 payments of $19.15 per
$1000 borrowed at 5.60%. 2Annual percentage rate of 8.15% is an approximate term of 12-60 months. Payment Example:
12 payments of $20.35 per $1000 borrowed at 8.15%.
The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate
offered as security plus the index shown above. The loan payoff date must not exceed the Certificate maturity date. The
current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance.
We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments
or other defaults on your accounts may be reflected in your credit report.
Rates are subject to change without notice. Membership is required. For more information, please
contact a Memorial Credit Union representative at (713) 778-6300.