Consumer Loan Rates

Loan Rates

MVFCU offers a variety of consumer loan options to best suit your lifestyle. You can apply from anywhere, 24 hours a day, by calling (800) 976-5198 or by applying online.

Rates Effective as of October 20, 2014

All interest rates are expressed as Annual Percentage Rates (APR).

» Current Loan Rates Printable PDF «

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Special SNOWSOON Loans

Type of Loan

Suggested Term

Interest Rate

Terms and Conditions

New snowmobile, snow blower, ATV with a plow, or other snow toy purchase Up to 36 months 2.49% Interest rates are based on individual credit scores. The Snowsoon rate does cover refinance loans; however, it does not cover MVFCU refinance loans.
48-60 months 2.75%

$15,000+,
up to 72 months

2.75%

 

Auto Loans

Type of Loan

Suggested Term

Base Interest Rate*

Terms and Conditions

New or Used 48 months 1.99% 2007 or newer.
60 months 2.25%
72 months 2.85%
84 months 3.75%
Older Vehicles
~ 8 to 10 years old ~
Year 2006: 24 months 3.99% Vehicle inspection required.
Year 2005: 18 months 4.95%
Year 2004: 12 months 4.95%
Classic Car Up to 60 months 5.25% Minimum 20% down payment required.
72-144 months 7.50%

 

Everyday Loan Rates & Terms

Type of Loan

Base Interest Rate*

Usual Down Payment

Terms and Conditions

Boats, Motorhomes and Travel Trailers 4.00% 10% minimum Contact MVFCU
for terms and conditions.
Motorcycles, ATVs, Jet Skis, & Snowmachines 3.00% 0%
Horse Trailers, Utility Trailers, Tractors, & Riding Lawnmowers 3.00% 0%
Signature Loan (unsecured) 9.95% n/a Maximum unsecured loan amount may be up to 200% of gross monthly income not to exceed $20,000.
Line of Credit (unsecured) 11.9% Variable n/a
Pledge of Share and
Pledge of Certificate
Dividend Rate
+ 2.00%
n/a Not available on Money Market (20) account.
VISA Classic Credit Card Variable
7.25% - 10.25%
n/a See More Information.**

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» Current Loan Rates Printable PDF «

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» Loan Application PDF «

Above chart is for reference only. Variances may apply.

Please consult your MVFCU Member Services staff for further details.

Interest and loan terms are subject to periodic change.

Loan requests are usually answered within 24 hours of submitting your completed application.

We offer zero down for qualified members with medium to high credit quality ratings on most loan types

*The Base Interest Rate: is the lowest interest rate available at MVFCU. Your actual interest rate may be higher depending on your credit history. Each loan request is considered on an individual basis.

**VISA Classic More Information: As market conditions fluctuate, so does your interest rate. The rate is tied to a market prime plus a percentage (as low as prime +4%). Interest rates are the same for purchases and cash advances. You have 30 days to repay your balance for purchases before being charged a finance charge. No minimum finance charge, no per transaction fees, Cash Advance Fee $5.00 (per day a cash advance is made, not per advance), Late Payment Fee $15.00, cannot exceed the minimum payment due.» top «