Millstream Area CU

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Please give us a call at:

(419) 422-5626

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Rates

APY = Annual Percentage Yield

Rates effective as of June 1, 2017.

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

Share/IRA Certificate Accounts^

TermMinimum Deposit $500Minimum Deposit $5,000
RateAPYRateAPY
90 Days0.05%0.05%0.10%0.10%
6 months0.10%0.10%0.25%0.25%
12 months0.25%0.25%0.45%0.45%
18 months0.30%0.30%0.55%0.55%
24 months0.35%0.35%0.65%0.65%
36 months0.55%0.55%1.05%1.05%
48 months0.70%0.70%1.41%1.42%
60 months0.80%0.80%1.61%1.62%

^^ Effective June 1, 2017 for a limited time only. Early Withdrawal Penalties:

  • Any early withdrawal for any of the above referenced IRA Certificates granted as part of our Special are subject to a 180 day dividend penalty for early withdrawal.

Money Market

BalancesDividend RateAPY
$0 – $2,499.000.00%0.00%
$2,500 – $9,999.990.05%0.05%
$10,000 – $24,999.990.05%0.05%
$25,000 – $49,999.990.05%0.05%
$50,000 – $99,999.990.10%0.10%
$100,000 -$249,999.990.10%0.10%
$250,000 and over0.10%0.10%

Individual Retirement Share Account

BalancesDividend RateAPY
$0 – $24.990.01%0.01%
$25.00 – $4,999.990.04%0.04%
$5,000 – 9,999.990.04%0.04%
$10,000 – $24,999.990.04%0.04%
$25,000 – $49,999.990.15%0.15%
$50,000 and over0.15%0.15%

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 - Regular, Senior, Business & Trusts

BalancesDividend RateAPY
$500 – $2,499.990.01%0.01%
$2,500 – $9,999.990.05%0.05%
$10,000 – $24,999.990.05%0.05%
$25,000 – $49,999.990.05%0.05%
$50,000 and over0.10%0.10%

Share Savings - Minor, Teen, Custodial, and Hancock Saves

BalancesDividend RateAPY
$0.00 – $2,499.990.01%0.01%
$2,500 – $9,999.990.05%0.05%
$10,000 – $24,999.990.05%0.05%
$25,000 – $49,999.990.05%0.05%
$50,000 and over0.10%0.10%

Christmas Club Account

BalancesDividend RateAPY
$100 – $2,499.990.01%0.01%
$2,500 – $9,999.990.01%0.01%
$10,000 – $24,999.990.04%0.04%
$25,000 – $49,999.990.04%0.04%
$50,000 and over0.05%0.05%

Senior Checking

BalancesDividend RateAPY
$0 – $499.990.00%0.00%
$500 and over0.05%0.05%

Auto Loans & Motorcycles^

Model YearRateTerm
2017-2016 VehiclesAs low as 3.19%up to 84 months
2015 Used VehiclesAs low as 3.39%up to 84 months
2014 Used VehiclesAs low as 3.39%up to 66 months
2013 Used VehiclesAs low as 3.49%up to 60 months
2012-2011 Used VehiclesAs low as 4.49%up to 54 months
2010-2009 Used VehiclesAs low as 4.49%up to 48 months
2008 - 2006 Used VehiclesAs low as 5.49%up to 36 months
2005 & Older Used VehiclesAs low as 8.50%up to 36 months

^ Call (419) 422-5626 for longer term rates

Recreational Vehicles^

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

^ Call (419) 422-5626 for longer term rates

Variable Home Equity Line of Credit^

Loan to ValueRateTerm
up to 70% LTV = 3.00% or Prime Rate -.53.00% or Prime Rate +0.25up to 240 months
70.01% - 79.99% LTV = 3.00% or Prime Rate -0.253.00% or Prime Rate +0.5up to 240 months
Up to 80% LTV = 3.00% or Prime Rate +03.00% or Prime Rate +0.75up to 240 months

^ Floor Rate is 3.00%APR

Maximum interest rate is 18.00% APR

Signature Loans

RateTerm
As low as 12.25%up to 48 months

Share Secured Loans

RateTerm
Equal to Prime Lending Rate with a floor rate of 3%Up to 60 months

Visa Credit Cards

TypeRate
Platinum11.00% to 16.00%*

*Annual percentage rate is determined by credit score.