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Multi-Schools Federal Credit Union
1033 Main Street
Wampum, PA 16157
Main Office: (724) 740-1444
Riverside Office: (724) 201-0198
creditunion@rbcsd.com

Rates

View our current rates today. All rates are subject to change.

Rates

The rates and terms shown are effective as of April 5, 2021.

ALL loans Have $10.00 per borrower fee.
All rates are subject to 0.25% reduction with payroll deduction or ACH payment.

Share Account Rates
Share Certificate
Savings 0.10% 6 Month 0.25%
Vacation Club 0.10% 12 Month 0.35%
Christmas Club 0.10% 18 Month 0.45%
24 Month 0.55%

New/Used Auto & Motorcycles - less then 5,000 miles for first time owner
Credit Score
2019 or Newer Models Maximum Term A+
730
A
729-690
B
689-640
C
639-600
D
599-540
E
539 Below
36 Months 1.99% APR* 2.49% APR* 2.74% APR* 3.24% APR* 9.00% APR* 10.50%
APR*
48 Months 2.24% APR* 2.74% APR* 2.99% APR* 4.24% APR* 9.75% APR* 11.25%
APR*
60 Months 2.49% APR* 2.99% APR* 3.24% APR* 4.50% APR* 11.25% APR* 12.00%
APR*
72 Months 2.99% APR* 3.24% APR* 4.24% APR* 4.75% APR* 12.00% APR* 13.00%
APR*
84 Months 3.49% APR* 4.24% APR* 4.50% APR* 5.25% APR* 13.00% APR* 14.25%
APR*

Used Auto & Motorcycles
Credit Score
2017-2019 Models Maximum Term A+
730
A
729-690
B
689-640
C
639-600
D
599-540
E
539 Below
36 Months 2.24% APR* 2.74% APR* 3.74% APR* 4.99% APR* 10.00% APR* 12.00% APR*
48 Months 2.49% APR* 2.99% APR* 4.00% APR* 5.50% APR* 11.25% APR* 14.00% APR*
60 Months 2.99% APR* 3.49% APR* 4.25% APR* 6.00% APR* 13.00% APR* 15.00% APR*
72 Months 3.49% APR* 4.00% APR* 4.50% APR* 6.49% APR* 14.00% APR* 16.00 APR*
2017 and Older Models 36 Months 2.49% APR* 3.50% APR* 6.00% APR* 9.00% APR* 10.00% APR* 12.00% APR*
48 Months 2.99% APR* 4.00% APR* 6.49% APR* 9.50% APR* 13.00% APR* 15.00% APR*

New/Used Boats & Trailers Loan Officer Decision-Term & Value
Credit Score
2013 or Newer Models Maximum Term A+
730
A
729-690
B
689-640
C
639-600
D
599-540
E
539 Below
120 Months 4.50% APR* 5.00% APR* 5.50% APR* 6.00% APR* 9.00% APR* 12.00% APR*
144 Months 6.49% APR* 7.00% APR* 7.50% APR* 8.00% APR* 11.25% APR* 15.00% APR*

New/Used ATV Recreational
Credit Score
Maximum Term A+
730
A
729-690
B
689-640
C
639-600
D
599-540
E
539 Below
48 Months 2.49% APR* 2.99% APR* 4.00% APR* 5.50% APR* 8.50% APR* 14.00% APR*
60 Months 2.99% APR* 3.49% APR* 4.25% APR* 6.00% APR* 9.00% APR* 15.00% APR*
72 Months 3.49% APR* 4.00% APR* 4.50% APR* 6.49% APR* 10.00% APR* 16.00% APR*

Personal – Signature Loan
Credit Score
Co-Signer MUST have grade A+ thru B only and "No Credit Score" “B” risk based pricing
category plus 2% added to that rate.
Maximum Term Maximum Amount A+
730
A
729-690
B
689-640
C
639-600
D
599-540
E
539 Below
24 Months A+ - B : Up to $15000.

C - Up to $10,000.

D & E - up to $5,000
Loan Officer
Approval Required
5.25% APR* 6.00% APR* 8.00% APR* 9.00% APR* 14.00% APR* 15.00% APR*
36 Months 6.00% APR* 6.99% APR* 9.00% APR* 10.75% APR* 15.75% APR* 16.00% APR*
48 Months 6.99% APR* 8.00% APR* 10.00% APR* 11.75% APR* 17.00% APR* 17.75% APR*
60 Months 8.00% APR* 9.00% APR* 11.00% APR* 12.75% APR* 17.75% APR* 18.00% APR*

Share Secured-Standard Rates
Credit Score
Co-Signer MUST have grade A+ thru B only and "No Credit Score" “B” risk based pricing category plus 2% added to that rate.
Maximum Term Maximum Amount A+
730
A
729-690
B
689-640
C
639-600
D
599-540
E
539 Below
36 Months 100% 1.99% APR*
48 Months 2.49% APR*
60 Months 2.74% APR*
72 Months 3.49% APR*

Share CD Secured
Credit Score
Co-Signer MUST have grade A+ thru B only and "No Credit Score" “B” risk based pricing category plus 2% added to that rate.
Maximum Term Maximum Amount A+
730
A
729-690
B
689-640
C
639-600
D
599-540
E
539 Below
36 Months 100% 2.49% APR*
48 Months 2.74% APR*
60 Months 3.49% APR*
72 Months 3.99% APR*


Rates are subject to change without notice. Rates are based on type of loan and your credit score.

* APR = Annual Percentage Rate.

Call the Main Office 724-740-1444 or the Riverside Office at 724-201-0198
for more loan rate information or application.

Equal Haousing Lender. We do business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act