Loan Rates
| *Qualify for Super Saver Discount |
**Qualify for Easy Pay Rate |
By using a M1 Net Check Direct Deposit of at least $800/month and Automatic Loan Payment; or Net Check Direct Deposit of at least $800/month and use i.Teller to transfer the Loan Payment; or had a previous M1 loan and will use Automatic Loan Payment; or *Active M1 Checking Account and Automatic Loan Payment. |
By using Automatic Loan Payment with E.Statement, or Automatic Loan Payment with M1 Credit Card. |
| *Active Checking means 10 transactions within the last month. |
| Ask About Our 90-Day 1st Payment Delay |
Refy Special |
| Add only $90.00! | Refinance with M1CCU at 3.49% (APR) |
| *Restrictions apply. | Requires SuperSaver Qualifications Up to 99 Months Minimum Payment $199 Effective 09/06/19 |
Vehicle Rates
| Vehicles & Type A RV's | |||
| Effective Date: 04/02/20 | |||
| Cars, vans, trucks, conversion vans, motorcycles, motor homes, boats, fifth wheels, travel trailers, heavy duty vehicles/equipment, enclosed trailers with living quarters. Mobile/manufactured homes add 2.0% to all rates. Add 4.0% to waive insurance. Reduce SuperSaver ¼ % on New Cars,Vans, & Trucks at 75 months. | |||
| Term | Regular Rate | *Super Saver Discount Rate | **Easy Pay Rate |
**Auto Loan Special: All Model Years Up to 66 Months 2.99% | |||
| First Time Buyer: Up to 60 months | 6.49% | ||
| Up to 66 months | 9.99% | 3.49% | 3.49% |
| 75 months | 9.99% | 4.24% | 7.24% |
| 84 months | 9.99% | 5.49% | 8.49% |
| 120 months (no balloon) | 8.99% | 5.99 | 7.99% |
| 120 months (5 yr balloon) | 7.49 | 5.24% | 6.24% |
| 180 months (no balloon) | 9.49% | 6.49% | 8.49% |
| 180 months (5 yr balloon) | 8.49% | 5.74% | 7.24% |
| All Model years | |||
| * See above for Super Saver Discount Rate Qualifications | |||
| **See above for Easy Pay Rate Qualifications | |||
| Type B RV's | |||
| Effective Date: 04/02/20 | |||
| Includes: UTV's and/or ATV's, truck campers, tent campers, certain heavy duty trailers, snowmobiles, lawn tractors, off-road motorcycles, personal watercraft, enclosed trailers without living quarters (On purchases, lower rate .5% with 10% down or 1% with 20% down! Cash and/or trade on out-the-door price). (Add 4.00%, or use the unsecured rate if it is less, if M1ccu waives the requirement to carry full coverage physical damage insurance.) | |||
| Term | Regular Rate | *Super Saver Discount Rate | **Easy Pay Rate |
| Up to 60 months | 9.99% | 5.99% | 7.74% |
| 72 months | 9.99% | 6.99% | 8.74% |
| All Model years | |||
| * See above for Super Saver Discount Rate Qulifications | |||
| **See above for Easy Pay Rate Qualifications | |||
Other Loans
| Other Loans | ||
| Effective Date: 04/02/20 | ||
| Name | Regular Rate | *Super Saver Discount Rate |
| Personal Loans ($5,000 or less, up to 60 months) |
10.99% | 9.24% |
| Personal Loans (Over $5,000, up to 60 months) |
9.99% | 8.24% |
| *See above for Super Saver Discount Rate Qualifications | ||
| Cashline | 13.00% | N/A |
| MPower Credit Card | 9.90% | N/A |
| CURewards Credit Card | 12.90% | N/A |
Share Secured
| Share Secured | ||
| Effective Date: 04/02/20 | ||
| Term | Regular Rate | *Super Saver Discount Rate |
| up to 60 months | 5.99% | 3.99% |
| *See above for Super Saver Discount Rate Qualifications | ||
Home Equity Loans
HomeLine
A Home Equity Loan from us is the convenient way to tap into the savings you have worked so hard to build. Our Home equity Loans give qualified members affordable financing to get those improvements done. If you need financing to get your home into shape, or for any other qualified expense, our Home Equity Loan is for you!
Best Rate: 2.89%*
*restrictions apply
Variable Lines of Credit • Friendly Terms Available • Possible Tax Advantages
(consult your tax advisor)
HomeFix
Get your HomeFix!
Lock into a super-low fixed-rate with really easy payments! (Terms up to 12 years!)
Best Rate: 4.25%*
*restrictions apply*
*All Rates Quoted as APR (Annual Percentage Rate)
