Millstream Area CU

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(419) 422-5626

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Rates

APY = Annual Percentage Yield

Rates effective as of December 1, 2018.

Rates may change after accounts are opened. Fees may reduce earnings.


Current Prime Rate = 5.25%

Share/IRA Certificate Accounts^

TermMinimum Deposit $500Minimum Deposit $5,000
RateAPYRateAPY
3 months0.50%0.501%1.00%1.004%
6 months0.70%0.702%1.60%1.610%
12 months0.90%0.903%1.90%1.914%
18 months1.00%1.004%2.10%2.117%
24 months1.10%1.105%2.50%2.524%
36 months1.30%1.306%2.60%2.625%
48 months1.50%1.508%2.75%2.778%
60 months1.75%1.762%3.00%3.034%

^Early Withdrawal penalties:

  • If the Certificate is less than 12 months, a 90 day dividend penalty will be imposed.
  • If the Certificate is greater than 12 months, a 180 day dividend penalty will be imposed.

Money Market

BalancesDividend RateAPY
$0 – $2,000.000.00%0.00%
$2,000 – $9,999.990.70%0.70%
$10,000 – $24,999.990.80%0.80%
$25,000 – $49,999.990.90%0.90%
$50,000 - $99,999.991.00%1.00%
$100,000.00 - $249,999.99 1.20%1.20%
$250,000.00 +1.30%1.30%

Individual Retirement Share Account

BalancesDividend RateAPY
$0 – $24.990.00%0.00%
$25 – $4,999.990.24%0.24%
$5,000 - 9,999.990.29%0.29%
$10,000 - 24,999.990.34%0.34%
$25,000 - 49,999.990.39%0.39%
$50,000 and over0.44%0.44%

Minor’s Certificates^

Same Rate as $500 Certificate AccountMinimum Deposit $250.00

^Early Withdrawal penalties:

  • If the Certificate is less than 12 months, a 90 day dividend penalty will be imposed.
  • If the Certificate is greater than 12 months, a 180 day dividend penalty will be imposed.

Share Savings

BalancesDividend RateAPY
$500 – $2,499.990.05%0.05%
$2,500 – $9,999.990.10%0.10%
$10,000 – $24,999.990.25%0.25%
$25,000 – $49,999.990.30%0.30%
$50,000 and over0.35%0.35%

*Includes Regular, Minor, Teen, Senior, Custodial, Trusts, and Business Accounts

Christmas Club Account

BalancesDividend RateAPY
$100 – $2,499.990.05%0.05%
$2,500 – $9,999.990.10%0.10%
$10,000 – $24,999.990.20%0.20%
$25,000 – $49,999.990.25%0.25%
$50,000 and over0.35%0.35%

Senior Checking

BalancesDividend RateAPY
$0 – $499.990.00%0.00%
$500 and over0.10%0.10%

Auto Loans & Motorcycles^

Model YearRateTerm
2019-2018 VehiclesAs low as 3.69%up to 84 months
2017 Used VehiclesAs low as 3.79%up to 72 months
2016 Used VehiclesAs low as 3.79%up to 66 months
2015 Used VehiclesAs low as 3.99%up to 60 months
2014-2013 Used VehiclesAs low as 4.99%up to 54 months
2012-2011 Used VehiclesAs low as 4.99%up to 48 months
2010 - 2008 Used VehiclesAs low as 5.99%up to 36 months
2007 & Older Used VehiclesAs low as 8.99%up to 36 months

Recreational Vehicles^

Model YearRateTerm
All Model YearsAs low as 6.00%up to 120 months

Variable Home Equity Line of Credit^

Loan to ValueRateTerm
Less than or Equal to 70% LTV = Prime Rate - 0.5Prime Rate + 0.25up to 240 months
70.01% - 79.99% LTV = Prime Rate - 0.25Prime Rate + 0.5up to 240 months
Up to 80% LTV = Prime Rate + 0Prime Rate + 0.75up to 240 months

^ Rate based on a credit score of 680 or higher. Floor Rate is 3.00% APR. Maximum interest rate is 18.00% APR.

Signature Loans

RateTerm
As low as 12.25%Up to 60 months

Share Secured Loans

RateTerm
Prime Rate or a floor rate of 3.00%Up to 60 months

Visa Credit Cards

TypeRate
Visa Platinum12.25% to 17.25%*

* Annual percentage rate is determined by credit score.