Michigan One Community Credit Union Current Rates

Vehicle       Personal       Home       Savings

Vehicle Loans
Effective Date: Friday, August 7th, 2020
DescriptionAPR as low as*
Refy Special 2.99%
New Vehicles 2.49%
Used Vehicles 2.99%
Boats, RV's, Motorcycles 2.99%
ATV's, UTV's, Snowmobile's 4.99%
*Your rate may be higher depending on your credit history, loan purpose, amount, and/or term. *Rates and loan terms are based on creditworthiness. *Rates subject to change without notice. *Some restrictions may apply

Other Loans
Effective Date: 03/14/19
NameAPR as low as*
Share Secured 3.99%
Personal Loans
($5,000 or less, up to 60 months)
9.24%
Personal Loans
(Over $5,000, up to 60 months)
8.24%
Cashline 13.00%
MPower Credit Card 9.90%
CURewards Credit Card 12.90%
*Your rate may be higher depending on your credit history, loan purpose, amount, and/or term. *Rates and loan terms are based on creditworthiness. *Rates subject to change without notice. *Some restrictions may apply

Mortgage Loans
Effective Date: Friday, August 7th, 2020
Description
Click here for Today's Mortgage Rates
*Your rate may be higher depending on your credit history, loan purpose, amount, and/or term. *Rates and loan terms are based on creditworthiness. *Rates subject to change without notice. *Some restrictions may apply

Home Loans
Effective Date: Friday, August 7th, 2020
NameAPR as low as*Term
HomeLine 2.89% Flexible
HomeFix 3.99% Flexible
*Your rate may be higher depending on your credit history, loan purpose, amount, and/or term. *Rates and loan terms are based on creditworthiness. *Rates subject to change without notice. *Some restrictions may apply

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Deposit Rates

All Shares
Effective Date: Friday, August 7th, 2020
Interest Rate TiersDividend Rate (as APR)Annual Percentage YieldMinimum Opening BalanceMin. Balance to Earn DividendMinimum Balance to Avoid Fee
$100 - $49,999 0.01% 0.01% $5 $1,257 $0
$50,000 & over 0.01% 0.01% $5 $1,257 $0

IRA Savings
Effective Date: Friday, August 7th, 2020
Interest Rate TiersDividend Rate (as APR)Annual Percentage YieldMinimum Opening BalanceMin. Balance to Earn DividendMinimum Balance to Avoid Fee
$100 & over 0.25% 0.25% $5 $100 $0

Checking Accounts
Effective Date: Friday, August 7th, 2020
Interest Rate TiersDividend Rate (as APR)Annual Percentage YieldMinimum Opening BalanceMin. Balance to Earn DividendMinimum Balance to Avoid Fee
careFree
$0.00 0.00% 0.00% $0 $0 $0
careFull
$500 & over 0.01% 0.01% $0 $1,257 $0
carePlus & Business Interest
$1,500 & over 0.01% 0.01% $5 $1,500 $1,500
Your prospective dividend rate and annual percentage yield will equal the highest rate tier matching your daily balance and will be paid on the entire balance in your account. The dividend period is monthly. The dividend rate and annual percentage yield may change every month as determined by your board of directors.

Money Market Manager
Effective Date: Friday, August 7th, 2020
Interest Rate TiersDividend Rate (as APR)Annual Percentage YieldMinimum Opening BalanceMin. Balance to Earn DividendMinimum Balance to Avoid Fee
$1,000 - $24,999 0.10% 0.10% $5 $125 $1,000
$25,000-$49,999 0.20% 0.20% $5 $125 $1,000
$50,000 - $249,999 0.25% 0.25% $5 $125 $1,000
$250,000 & over 0.35% 0.35% $5 $125 $1,000

Certificate of Deposit and IRA Certificate of Deposit
Effective Date: Friday, August 7th, 2020
Length of MaturityMinimum Opening BalanceDividend Rate (as APR)Annual Percentage YieldMin. Balance to Earn Dividend
Purchase and Renewal Rates
6 months $500 0.01% 0.01% $1,257
12 months $500 0.45% 0.45% $5
18 months $500 0.45% 0.45% $5
24 months $500 0.45% 0.45% $5
30 months $500 0.45% 0.45% $5
36 months $500 0.45% 0.45% $5
48 months $500 0.70% 0.70% $5
60 months $500 0.70% 0.70% $5

The dividend rates and annual percentage yields were current as of the effective date above. Please call for current yields. Dividends are paid on your daily balance and the dividend period is monthly. Fees may lower earnings, additional information can be found in our Truth in Savings account disclosure and Fee Schedule.

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*All Rates Quoted as APR (Annual Percentage Rate)*

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