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Dividend Rates Term Savings Rates Loan Rates Mortgage Rates

Effective as of: January 1, 2017
New and Used Vehicle, Boat, RV and Travel Trailer Loans
Cars and trucks, 2011 and newer, registered in California.
Up to 125% of MSRP plus warranty and GAP (new). Up to 125% of Kelley Blue Book retail value plus warranty and GAP (used). Member's credit history determines loan to value ratio (LTV). Your rate is determined by your credit history and how long you finance your loan. Example payment: 60 month loan at 3.24% APR is $18.08 per $1000 borrowed.
APR = Annual Percentage Rate
TermBest Annual Percentage Rate*Current Promotional Rate**
up to 60 monthsas low as 3.24%as low as 2.39% thru 01/31/16
61-84 monthsas low as 3.74%ask for details
*APR=annual percentage rate based on credit history and includes rate reducing option of .50% for automatic transfer or payroll deduction. Models 2011 and newer. 60 payments of $17.77 per $1000 borrowed (payment calculated with first payment in 90 days). Longer terms available. Minimum $5,000 cash out on existing MSEFCU auto loans. First payment up to 90 days away. Offer ends January 31, 2017. Rates, terms and conditions subject to change.
 
Cars and trucks, 2006-2010, registered and titled in California.
Based on credit history. Up to 125% of retail Kelley Blue Book, plus warranty and GAP.
TermBest Annual Percentage Rate*
up to 60 monthsas low as 5.24%
61-84 monthsas low as 5.74%
Boats, RV's, Travel Trailers, etc. registered and titled in California.
For RV's, beyond 84 months, add .25% for each additional year, not to exceed 120 months. Rate reducing options do not apply to terms exceeding 84 months.
 
Motorcycle Purchase
New up to 100% of the purchase price. Used up to retail Kelley Blue Book value. 2011 and newer.
TermBest Annual Percentage Rate*
up to 60 monthsas low as 5.24%
 
Houseboats/Yachts
Up to 80% of purchase price for new. Up to 80% of appraisal/evaluation value for used. Follow all other conditions as defined under new and used Recreational Vehicle loans. Rate reducing options do not apply to terms exceeding 84 months.
 
*Best Rate!
The 'Best' interest rate is based on your credit history and these rate reducing options when applying for a new or used vehicle, boat, RV, or travel trailer loan:
  • Set up your loan on automatic payment and reduce your rate by .50%.
  • Borrow up to 80% of MSRP (new) or wholesale value (used) and deduct .25%.
If you discontinue any or all of the options, your rate will increase by the amount of the discount for each option that was discontinued for that subaccount.
Personal Loans
AmountTermAnnual Percentage Rate
Up to $25,000up to 60 monthsas low as 11.75%
Your rate is determined by your credit history. Minimum payment $35 per month.
 
Energy Efficient Loan - Drought Resistant Loan
AmountTermBest Annual Percentage Rate*
up to $40,000up to 84 monthsas low as 5.99%
up to $40,00085-180 monthsas low as 6.50%
*APR=annual percentage rate based on credit history and includes rate reducing option of .50% for automatic transfer or payroll deduction. 84 payments of $14.61 per $1000 borrowed. The Amount to be borrowed is determined by your credit history. Must own the home and be your primary residence. Purchases must be energy efficient. Equal Housing Lender. Rates, terms and conditions subject to change.
 
VISA
TypeVisa Credit Card AgreementAnnual Percentage Rate
Share SecuredVisa Share Secured Credit Card Disclosure8.25%
ClassicVisa Classic Credit Card Disclosure10.75%
Student Visa (Limit $300 to $500)Visa Student Credit Card Disclosure14.50%
No Annual Fee, 25-Day Grace Period on Purchases, 2% of the balance due, or minimum payment of $25 per month.
 
Share Secured Loans
TypeTermAnnual Percentage Rate
Share Secured Loansup to 60 months3.75%
Minimum loan $1000.
Term Savings3.00% above Term Rate
Minimum rate on loan secured by Term Savings, will not go lower than share secured rate.
 
Checking Credit Line(Overdraft Protection)
Checking Credit Line12.00%
Payment 2% of approved credit limit per month, regardless of balance with a minimum payment of $25 per month.

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