Millstream Area CU

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(419) 422-5626

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Rates

APY = Annual Percentage Yield

Rates effective as of June 1, 2018.

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

Share/IRA Certificate Accounts^

TermMinimum Deposit $500Minimum Deposit $5,000
RateAPYRateAPY
3 months0.25%0.250%0.50%0.501%
6 months0.30%0.300%0.75%0.752%
12 months0.50%0.501%1.25%1.256%
18 months0.65%0.652%1.35%1.357%
24 months0.75%0.752%1.50%1.508%
36 months0.85%0.853%1.75%1.762%
48 months1.00%1.004%2.00%2.015%
60 months1.25%1.256%2.25%2.269%

^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 – $9,999.990.30%0.30%
$10,000 – $24,999.990.35%0.35%
$25,000 – $49,999.990.40%0.40%
$50,000 and over0.50%0.50%

Individual Retirement Share Account

BalancesDividend RateAPY
$0 – $24.990.00%0.00%
$25 – $20,000.000.15%0.15%
$20,001 – 75,000.000.20%0.20%
$75,001 and over0.25%0.25%

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 – $2,499.990.01%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%

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

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
2018-2017 VehiclesAs low as 3.19%up to 84 months
2016 Used VehiclesAs low as 3.39%up to 84 months
2015 Used VehiclesAs low as 3.39%up to 66 months
2014 Used VehiclesAs low as 3.49%up to 60 months
2013-2012 Used VehiclesAs low as 4.49%up to 54 months
2011-2010 Used VehiclesAs low as 4.49%up to 48 months
2009 - 2007 Used VehiclesAs low as 5.49%up to 36 months
2006 & Older Used VehiclesAs low as 8.50%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
Up to 70% LTV = 4.75% (Prime Rate) - 0.54.75% (Prime Rate) + 0.25up to 240 months
70.01% - 79.99% LTV = 4.75% (Prime Rate) - 0.254.75% (Prime Rate) + 0.5up to 240 months
Up to 80% LTV = 4.75% (Prime Rate) + 04.75% (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 60 months

Share Secured Loans

RateTerm
4.75% (Prime Rate) or a floor rate of 3%Up to 60 months

Visa Credit Cards

TypeRate
Visa Platinum11.75% to 16.75%*

* Annual percentage rate is determined by credit score.