Rates
View our current rates today. All rates are subject to change.
Rates
Loan Rates Effective February 21, 2024
All Loans Have $10.00 per borrower fee.
All rates include 0.25% reduction with payroll deduction or ACH payment.
Credit Score Members under 600 REQUIRE a Co-Signer with score above 671.
Member with "No Credit Score" use "B" pricing category plus 2% added to the rate.
*APR = Annual Percentage Rate
Share Rates Effective February 21, 2024
Share Account Rates |
|||
|---|---|---|---|
| Share | Certificate $1,000.00 minimum |
||
| Savings | 0.15% APR* | 6 Month | 1.00% APR* |
| Vacation Club | 0.15% APR* | 12 Month | 1.25% APR* |
| Christmas Club | 0.15% APR* | 18 Month | 2.00% APR* |
| 24 Month | 2.25% APR* | ||
| Certificate Specials Available | Call Credit Union For Special Rates | ||
Contact the office for our Auto Loan Specials.
New/Used Vehicles - less then 5,000 miles for first time owner |
|||||||
|---|---|---|---|---|---|---|---|
| Credit Score |
|||||||
| 2021 or Newer Models | Maximum Term | A 715 and up |
B 714 - 671 |
C 670 - 600 |
D 599 - 501 |
E 500 Below |
|
| 49 Months | 5.35% APR* | 6.60% | 8.85% | 11.60% | 13.85% | ||
| 64 Months | 5.45% APR* | 6.70% | 8.95% | 11.70% | 13.95% | ||
| 75 Months | 5.85% APR* | 7.10% | 9.35% | 12.10% | 14.35% | ||
| 84 Months | 6.65% APR* | 7.90% | 10.15% | 12.90% | 15.15% | ||
| Member with "No Credit Score" "B" pricing category plus 2% added to the rate. | |||||||
Used Vehicles |
|||||||
|---|---|---|---|---|---|---|---|
| Credit Score |
|||||||
| 2020 or 2017 Models | Maximum Term | A 715 and up |
B 714 - 671 |
C 670 - 600 |
D 599 - 501 |
E 500 Below |
|
| 48 Months | 6.15% APR* | 7.40% | 9.65% | 12.40% | 14.65% | ||
| 64 Months | 6.99% APR* | 8.24% | 10.49% | 13.24% | 15.49% | ||
| 78 Months | 7.49% APR* | 8.74% | 10.99% | 13.74% | 15.99% | ||
| Older than 2016 | 39 Months | 9.00% APR* | 10.25% | 12.50% | 15.25% | 17.50% | |
| 54 Months | 10.00% APR* | 11.25% | 13.50% | 16.25% | 18.00% | ||
| Member with "No Credit Score" "B" pricing category plus 2% added to the rate. | |||||||
Recreational Vehicles (RVs, Motor Homes, Watercraft, Campers & Trailers) |
|||||||
|---|---|---|---|---|---|---|---|
| Credit Score |
|||||||
| 2020 or Newer | Maximum Term | A 715 and up |
B 714 - 671 |
C 670 - 600 |
D 599 - 501 |
E 500 Below |
|
| 84 Months | 8.50% APR* | 9.75% | 12.00% | 14.75% | 17.00% | ||
| 120 Months | 10.50% APR* | 11.75% | 14.00% | 16.75% | 18.00% | ||
| 2019-2012 | 60 Months | 9.99% APR* | 11.24% | 13.49% | 16.24% | 18.00% | |
| 84 Months | 11.99% APR* | 13.24% | 15.49% | 18.00% | 18.00% | ||
| Member with "No Credit Score" "B" pricing category plus 2% added to the rate. | |||||||
Recreational Vehicles (Motorcycles / ATVs) |
|||||||
|---|---|---|---|---|---|---|---|
| Credit Score |
|||||||
| Maximum Term | A 715 and up |
B 714 - 671 |
C 670 - 600 |
D 599 - 501 |
E 500 Below |
||
| 2020 or Newer | 84 Months | 8.50% APR* | 9.75% | 12.00% | 14.75% | 17.00% | |
| 2019-2012 | 60 Months | 9.99% APR* | 11.24% | 13.49% | 16.24% | 18.00% | |
| Member with "No Credit Score" "B" pricing category plus 2% added to the rate. | |||||||
Personal Loan |
|||||||
|---|---|---|---|---|---|---|---|
| Personal Loans Maximum Term is 60 Months | |||||||
| Credit Score |
|||||||
| Maximum Term | A 715 and up |
B 714 - 671 |
C 670 - 600 |
D 599 - 501 |
E 500 Below |
||
| Up to $5,000.00 | 8.00% APR* | 9.25% | 11.50% | 14.25% | 16.50% | ||
| Up to $10,000.00 A Score Only |
11.75%* | N/A | N/A | N/A | N/A | ||
| Member with "No Credit Score" "B" pricing category plus 2% added to the rate. | |||||||
Share Secured & Share CD Secured |
|||||||
|---|---|---|---|---|---|---|---|
| Loans Maximum Term is 60 Months | |||||||
| 100% Secured Pledge – 3.15% |
* APR = Annual Percentage Rate.
Rates effective as of publication date and are subject to change without notice.
Loan Rates will be determined by credit history and year of auto.
Rates are based on the type of loan and your credit score.
Auto loan rates will be determined by credit history and year of auto.
All loans are subject to credit approval terms.
Loan rates are determined by personal credit history and term of loan.
Contact MSFCU staff for more information about applicable fees and terms.
Download our Mobile App today!
Get in touch with us!
Email
Multi-Schools Federal Credit Union
Routing Number: 243379734
If you are using a screen reader and are having trouble using this website, please call 724-740-1444.
Multi-Schools Federal Credit Union Does Not Cash Checks.
No Cash is kept at the Credit Union Office.
Copyright © Multi-Schools Federal Credit Union. All Rights Reserved.
We are an equal housing opportunity lender. Federally insured by the NCUA. Your savings are insured to at least $250,000 by the national credit union administration, a U.S. government agency. We do business in accordance with the fair housing law and equal credit opportunity act.