Millstream Area CU

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(419) 422-5626

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Rates

APY = Annual Percentage Yield

Rates effective as of August 21, 2019.

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

 

Current Prime Rate = 5.25%

Share/IRA Certificate Accounts^

Term Minimum Deposit $500
  Rate APY
3 months 0.60% 0.601%
6 months 0.80% 0.802%
12 months 1.80% 1.812%
18 months 2.00% 2.015%
24 months 2.10% 2.117%
36 months 2.25% 2.269%
48 months 2.60% 2.625%
60 months 2.75% 2.778%

^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

Balances Dividend Rate APY
$0 – $2,499.99 0.00% 0.00%
$2,500 – $9,999.99 0.70% 0.70%
$10,000 – $24,999.99 0.80% 0.80%
$25,000 – $49,999.99 0.90% 0.90%
$50,000 - $99,999.99 1.00% 1.00%
$100,000.00 - $249,999.99 1.20% 1.20%
$250,000.00 + 1.30% 1.30%

Individual Retirement Share Account

Balances Dividend Rate APY
$0 – $24.99 0.00% 0.00%
$25 – $4,999.99 0.24% 0.24%
$5,000 - 9,999.99 0.29% 0.29%
$10,000 - 24,999.99 0.34% 0.34%
$25,000 - 49,999.99 0.39% 0.39%
$50,000 and over 0.44% 0.44%

Minor’s Certificates^

Same Rate as Share Certificate Account Minimum 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

Balances Dividend Rate APY
$500 – $2,499.99 0.05% 0.05%
$2,500 – $9,999.99 0.10% 0.10%
$10,000 – $24,999.99 0.25% 0.25%
$25,000 – $49,999.99 0.30% 0.30%
$50,000 and over 0.35% 0.35%

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

Christmas Club Account

Balances Dividend Rate APY
$100 – $2,499.99 0.05% 0.05%
$2,500 – $9,999.99 0.10% 0.10%
$10,000 – $24,999.99 0.20% 0.20%
$25,000 – $49,999.99 0.25% 0.25%
$50,000 and over 0.35% 0.35%

Senior Checking

Balances Dividend Rate APY
$0 – $499.99 0.00% 0.00%
$500 and over 0.10% 0.10%

Auto Loans & Motorcycles^

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

Recreational Vehicles^

Model Year Rate Term
All Model Years As low as 6.00% up to 120 months

Variable Home Equity Line of Credit^

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

Rate Term
As low as 12.25% Up to 60 months

Share Secured Loans

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

Visa Credit Cards

Type Rate
Visa Platinum 12.50% to 17.50%*

* Annual percentage rate is determined by credit score.