Loan Rates
| Loan Type | Maximum Amount | APR* as low as | Term |
|---|
| Personal Loans |
Up to $20,000** |
9.99% |
60 months |
| Credit Card Loans | Maximum Amount | Base APR* | Term |
|---|
| VISA Platinum (No Rewards) |
$15,000 |
9.99% |
Revolving |
| VISA Platinum (Rewards) |
$15,000 |
11.99% |
Revolving |
| Secured VISA |
$2,500 |
17.99% |
Revolving |
| Autos | Maximum Amount | APR* as low as | Term |
|---|
New Autos
|
Up to 135% MSRP |
4.99% |
Up to 48 months |
| Up to 135% MSRP |
5.99% |
49-60 months |
| Up to 135% MSRP |
6.99% |
61-72 months |
| Up to 135% MSRP |
7.99% |
73-84 months |
| Autos | Maximum Amount | APR* as low as | Term |
|---|
Used Autos
|
Up to 135% MSRP |
5.99% |
Up to 48 months |
| Up to 135% MSRP |
6.99% |
49-60 months |
| Up to 135% MSRP |
7.99% |
61-72 months |
| Up to 135% MSRP |
8.99% |
73-84 months |
| Home Equity Loans | Base APR* | Term |
|---|
Home Equity Line of Credit
Up to $150,000
Rate is Variable / Term = 10 Year Draw + 15 Year Repayment |
Prime - 0.50% [Up to 70% LTV] |
Open-End |
| Prime + 0.50% [71 - 80% LTV] |
Open-End |
| Prime + 1.00% [81 - 90% LTV] |
Open-End |
| Loan Type | Maximum Amount | APR* as low as | Term |
|---|
| New Motorcycles |
Up to 125% MSRP |
7.99% |
up to 48 months |
| Up to 125% MSRP |
8.99% |
49 - 72 months |
| Loan Type | APR* as low as | Term |
|---|
| Title Loan |
18.00% |
up to 36 months |
| Loan Type | APR* as low as | Term |
|---|
| Share Secured Loan |
4.55% |
up to 60 months |
| Loan Type | APR* as low as | Term |
|---|
| Certificate Secured Loan |
Certificate Rate + 3.00%*** |
Term of Certificate |
Effective date: December 1, 2022
Interest Rates are set by the Board of Directors and are subject to change.
*APR = Annual Percentage Rate. **Total unsecured debt with MAHPFCU shall not exceed $27,500 per member (includes Personal, Visa, Line of Credit and Overdraft Advance.) ***Certificate Secured rate is 3% over dividend rate.
