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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
Is your vehicle or RV
      financed somewhere else?
         

         Add only $90.00!                      Refinance with M1CCU at
2.99% (APR)
*Restrictions apply. Requires SuperSaver Qualifications
Up to 99 Months
Minimum Payment $199
Effective 11/03/16

Vehicle Rates

Vehicles & Type A RV's
Effective Date: 03/27/17
Cars, vans, trucks, conversion vans, motorcycles, motor homes, boats, fifth wheels, travel trailers, utility vehicles/equipment, enclosed trailers with living quarters (mobile/manufactured homes add 2.0% to all rates).(Add 4.00% to waive insurance.)
TermRegular Rate*Super Saver Discount Rate**Easy Pay Rate
Up to 75 months 7.99% 2.99 (2.49% on New Cars, Vans, & Trucks) 4.99%
84 months 8.49% 5.24% 6.49%
120 months 8.49 %(no balloon) 5.24 %(no balloon) 7.49%(no ballon)
120 months 6.99 %(5 year balloon) 4.74%(5 year balloon) 5.74%(5 year balloon)
180 months 8.99 %(no balloon) 5.74 %(no balloon) 7.99%(no balloon)
180 months 7.99 %(5 year balloon) 5.24 %(5 year balloon) 6.74%(5 year balloon)
All Model years
* See above for Super Saver Discount Rate Qualifications
**See above for Easy Pay Rate Qualifications

Type B RV's
Effective Date: 03/27/17
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.)
TermRegular Rate*Super Saver Discount Rate**Easy Pay Rate
Up to 60 months 8.49% 5.24% 7.24%
72 months 9.49% 6.24% 8.24%
All Model years
* See above for Super Saver Discount Rate Qulifications
**See above for Easy Pay Rate Qualifications

Other Loans

Other Loans
Effective Date: 03/27/17
NameRegular 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% 13.00%
VISA 12.90% 12.90%

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Share Secured

Share Secured
Effective Date: 03/27/17
TermRegular Rate*Super Saver Discount Rate
up to 60 months 5.99% 3.99%
*See above for Super Saver Discount Rate Qualifications

Home Loans

Vacant Land
Effective Date: 02/11/11
25% down purchase money, 25% equity on refinance
TermRate
180 Months, 5 year balloon 5.49%
180 months, 7 year balloon 6.49%
Quotes for other rates & terms available. Please contact an M1 Loan Officer.

2-Step Construction Loans
Effective Date: 02/11/11
25% down purchase money, 25% equity on refinance
Built By:Rate
Owner Built 6.99%
Contractor Built 5.49%
Quotes for other rates & terms available. Please contact an M1 Loan Officer.

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: 1.919%*
*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: 3.74%*
*restrictions apply*

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*All Rates Quoted as APR (Annual Percentage Rate)

Equal Housing Lender National Credit Union Administration