Millstream Area CU

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(419) 422-5626

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Rates

APY = Annual Percentage Yield

Rates effective as of May 4, 2020.

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

 

Current Prime Rate = 3.25%%

Share/IRA Certificate Accounts^

Term Minimum Deposit $500
  Rate APY
3 months 0.10% 0.100%
6 months 0.20% 0.200%
12 months 0.40% 0.401%
18 months 0.50% 0.501%
24 months 0.60% 0.601%
36 months 0.75% 0.752%
48 months 0.85% 0.853%
60 months 0.95% 0.953%

^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.
  • Minor Certificates are the same rates, with a $250.00 minimum deposit

Money Market

Balances Dividend Rate APY
$0 – $2,499.99 0.00% 0.00%
$2,500 – $9,999.99 0.15% 0.15%
$10,000 – $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.25% 0.25%
$100,000.00 - $249,999.99 0.30% 0.30%

Individual Retirement Share Account

Balances Dividend Rate APY
$0 – $24.99 0.00% 0.00%
$25 – $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.10% 0.10%
$50,000 and over 0.15% 0.15%

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 0.01% 0.01%
$2,500 – $9,999.99 0.05% 0.05%
$10,000 – $24,999.99 0.05% 0.10%
$25,000 – $49,999.99 0.10% 0.10%
$50,000 and over 0.10% 0.10%

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

Christmas Club Account

Balances Dividend Rate APY
$100 – $2,499.99 0.01% 0.01%
$2,500 – $9,999.99 0.05% 0.05%
$10,000 – $24,999.99 0.05% 0.05%
$25,000 – $49,999.99 0.10% 0.10%
$50,000 and over 0.10% 0.10%

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
2020-2019 Vehicles As low as 2.99% up to 84 months
2018 Used Vehicles As low as 3.19% up to 72 months
2017 Used Vehicles As low as 3.19% up to 66 months
2016 Used Vehicles As low as 3.59% up to 60 months
2015-2014 Used Vehicles As low as 4.59% up to 54 months
2013-2012 Used Vehicles As low as 4.59% up to 48 months
2011 - 2009 Used Vehicles As low as 5.59% up to 36 months
2008 & Older Used Vehicles As low as 7.59% up to 36 months

* As of November 1, 2019

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 9.99% 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 10.90% to 15.90%*

* Annual percentage rate is determined by credit score.